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.
P
Priority Sector Lending (PSL)
BankingAn RBI directive requiring banks to lend specified percentages of their Adjusted Net Bank Credit (ANBC) to priority sectors including agriculture, MSME, education, housing, and export credit. For MSME lending, PSL classification means banks have an institutional quota-driven incentive to lend to Udyam-registered businesses. A bank behind on its PSL targets at quarter-end is more motivated to process and sanction MSME proposals quickly.
Read the full article →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.