The document outlines credit rating scales for small and micro enterprises (SSIs) and small and medium enterprises (SMEs) as assessed by CRISIL Ratings. For SSIs, there is a matrix that rates financial strength on a scale of SE 1A to SE 5C based on performance capacity ranging from highest to poor. For SMEs, CRISIL uses an SME rating scale of SME 1 to SME 8 to define creditworthiness from highest to default. The document also provides a bases rates of interest chart tied to CRISIL ratings (CR1 to CR10) and linked to the base prime lending rate (BPLR).

1. CRISIL RATINGS
For SSIs:--
Table 1: The NSIC-CRISIL rating matrix
Financial Strength
High Moderate Low
Highest SE 1A SE 1B SE 1C
Performance Capacity
High SE 2A SE 2B SE 2C
Moderate SE 3A SE 3B SE 3C
Weak SE 4A SE 4B SE 4C
Poor SE 5A SE 5B SE 5C
For SMEs
Table 2: CRISIL SME Rating Scale and definitions
CRISIL SME Rating Definition
SME 1 Highest
SME 2 High
SME 3 Above Average
SME 4 Average
SME 5 Below Average
SME 6 Inadequate
SME 7 Poor
SME 8 Default
Bases Rate of interest chart
As per CRISIL Model Irrespective of Tenure of Loan
CR1 @BPLR-0.85%
CR2 @BPLR-0.50%
CR3 @BPLR-0.25%
CR4 @ BPLR+0.50%
CR 5, 6, 7, 8, 9 & 10 @BPLR+1.00%