CMR is a Part of Company Credit Report that allows
MSME to view their past Credit Management Records.
CIBIL MSME Rank (CMR) is a 1–10 ranking tool evaluating creditworthiness for businesses with ₹10 lakh to ₹50 crore exposure.
CMR-1 represents the lowest risk (best) and CMR-10 the highest risk.
Ranks 1-3 indicate a solid, low-risk track record,
while 4-10 show increasing risk of NPA.
Evaluation Factors: Based on credit history, payment behavior, credit utilization, and debt, analyzed over the past 24 months.
Components: It is part of the Company Credit Report (CCR).
Benefits: A lower rank (closer to 1) helps in faster loan approvals and better interest rates.
CMR 1-3: Solid track record; high, easy credit access.
CMR 4-7: Moderate risk; may face hurdles.
CMR 8-10: High risk of becoming a Non-Performing Asset (NPA).


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