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.
M
Moratorium
Bank CreditA grace period at the beginning of a term loan during which the borrower pays only interest — with no principal repayment obligation. Moratorium periods of 6–24 months are typically provided for projects that need time to construct, commission, and ramp up to revenue-generating capacity. During moratorium, the EMI in DSCR calculations should include the interest obligation — a detail often missed in CMA data preparation.
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.