Every Term Your Bank Uses — Explained
DSCR, CMA Data, MPBF, TOL/TNW, CGTMSE, FACR, NPA — banks evaluate your proposal using ratios and metrics most MSME owners never encounter in daily business. This glossary explains every term in plain language, with Karnataka context.
C
CIBIL Score
Finance FundamentalsA three-digit credit score (300–900) generated by TransUnion CIBIL based on a borrower's credit history — repayment behaviour, credit utilisation, number of enquiries, and account age. Both the business entity and the promoter have individual CIBIL scores. Most PSU banks require a minimum score of 700+ for MSME loan processing. A CIBIL score below 650 typically results in automatic rejection at the bank's preliminary screening stage.
Know the Terms. Now Let Us Handle the Numbers.
MSME Central prepares DPRs and CMA data that meet every ratio threshold banks require — and submits them to the right bank desk in Bengaluru and Karnataka.