Micro, small and medium enterprises (MSMEs) lending of over Rs 15 trillion, accounted for around 22% of corporate lending in India as of fiscal 2018. The segment continues to offer attractive business opportunities for financiers, especially with the Goods and Services Tax (GST) regime in place. The challenge lies in spotting the sectors and clusters that are likely to offer the desired risk-adjusted returns. And that entails tracking the performance and riskiness of sectors and clusters on a timely basis.
Our report addresses this by providing:
Insights and outlook on business and financial prospects across sectors and clusters
Industry and cluster attractiveness matrices to differentiate between sectors and clusters
An interactive business and financial tool to assist in benchmarking across clusters and sectors
A database of ~7,000 SMEs, along with key financial ratios of ~6,000 of these
A six-month monitoring mechanism for SME sectors and clusters
Views on asset quality sector-wise and cluster-wise
Benefits of the report:
Identification of sectors with strong growth opportunities to aid focused lending
Assessment of risks and factors influencing the competitiveness of SME units across sectors and geographies, to enhance risk-monitoring capabilities for existing portfolio
Selection of promising geographies to focus on within a sector, based on business and financial analysis
Tools and databases for prospecting
Effective review and monitoring with introduction of six-month surveillance dashboard
Gauging the asset quality risk sector-wise and cluster-wise
Coverage of the report
Outlook on 73 manufacturing, services and trading industries that have a large SME presence
Placement in industry attractiveness matrix
Industry size, structure, SME presence
Demand-supply scenario and forecasts
Impact analysis of implementation of GST on the relevant sectors and SMEs
Growth drivers
Key risks for SMEs
Financial performance of SMEs
Ratings distribution of CRISIL-rated companies
Outlook from SME perspective (profiles of ~157 clusters across 73 industries)
Placement in cluster attractiveness matrix
Cluster snapshot (size, product profile, number of units, historical growth)
Comparison of financial performance of companies in a cluster vis-à-vis in the industry
Cluster competitiveness
Key risks faced by companies in a cluster
Ratings distribution of CRISIL-rated companies in the cluster
Outlook for the cluster from SME perspective
Voices from the industry
Asset quality sector-wise
Views on asset quality sector-wise
Benchmarking a cluster’s asset quality with overall sector
List of Around 7,000 SMEs
Location
SME/NSIC Rating
Constitution
Key financial parameters (select companies)
Six-month surveillance dashboard
Demand/ supply sentiment over the past six months
Trend in key raw material movement
Impact of regulatory change/ new developments
Any reason for change in business potential/ financial strength
Any cluster severely impacted with reasoning
Ratings upgrade to downgrade ratio
Financial performance update
Tools
Interactive tools to assist in benchmarking across clusters and sectors.
Financial tool to facilitate comparison on the basis of the past three years’ financial information, within sectors and clusters, and between sectors and clusters
Business tool offering information related to main products, capacities, plant locations, key clients, key risks, future capital expenditure plans, exports presence, etc. across ~6,000 SMEs rated by CRISIL
Latest news and analysis
SME related CRISIL releases
Annexures
Revenue cut-wise financials (provided on request basis only)