Scheme & Sector Classification

Regulatory scheme flags, sector classification & compliance identifiers

Active Classifications
@if (enabledCount === 0) { No classifications enabled — toggle categories below } @for (cat of enabledCategories; track cat.id) { {{ cat.label }} close }
Udyam / MSME
MSME
Micro, Small & Medium Enterprise — Ministry of MSME / Udyam Registration
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@if (expanded['msme']) {
Udyam Registration
Udyam Registration Number Registration Date Registration Status Active Suspended Cancelled Pending Verification MSME Classification Micro (T/O ≤ ₹5 Cr, Inv ≤ ₹1 Cr) Small (T/O ≤ ₹50 Cr, Inv ≤ ₹10 Cr) Medium (T/O ≤ ₹250 Cr, Inv ≤ ₹50 Cr) Enterprise Type Manufacturing Services Trading NIC Activity Code
Financial Thresholds (as per Udyam Portal)
Annual Turnover — Last FY (₹ Cr) Investment — Plant & Machinery / Equipment (₹ Cr) Financial Year of Last Assessment 2025-26 2024-25 2023-24 2022-23 2021-22 2020-21
Owner / Promoter Details
Social Category of Owner General Scheduled Caste (SC) Scheduled Tribe (ST) Other Backward Class (OBC) Minority Gender of Primary Owner Male Female Other No. of Employees (approx.)
Women-led EnterpriseMajority ownership / management by women entrepreneur
Divyang (PWD) OwnedPersons with Disability — eligible for special scheme benefits
MSMED Act 2006 (Revised): Classification based on composite criteria of investment in plant & machinery AND annual turnover. Udyam Registration is mandatory for availing PSL benefits, government procurement preference, and CGSS coverage.
}
DPIIT
Startup India Registered
DPIIT recognition under Startup India initiative
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@if (expanded['startup']) {
Registration Details
DPIIT Recognition Number Recognition Date Certificate Expiry Date Entity Stage Early (0–2 years) Growth (2–5 years) Scale (5+ years) Sector as per DPIIT Fintech Agritech Edtech Healthtech Logistics Manufacturing SaaS / B2B Tech Information Technology Other NIC Industry Code
Government Scheme Benefits Availed
80IAC Tax Exemption SIDBI Startup Fund Self-Certification (Labour / Env.) Fast-track Patent / IPR Government Tender Exemption Credit Guarantee Scheme (CGSS)
PSL Linkage
Loan Limit for PSL Eligibility (Cr) PSL Sub-category Others (Startup India) MSME — Micro MSME — Small
RBI Circular RBI/2023-24/62: DPIIT-recognized startups eligible for PSL classification up to ₹50 Cr. Recognition certificate to be retained in document management system.
}
PMMY
Mudra Borrower
Pradhan Mantri Mudra Yojana — SIDBI / Mudra scheme borrower
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@if (expanded['mudra']) {
Loan Classification
Mudra Category Shishu (up to ₹50,000) Kishore (₹50,001 – ₹5,00,000) Tarun (₹5,00,001 – ₹10,00,000) Mudra Loan Account No. Lending Institution Name Sanctioned Amount (₹) Disbursement Date Loan Purpose Manufacturing Trading Services Agriculture Allied Activity Transport Working Capital
Scheme Details
MUDRA Card Number Current Outstanding (₹) Repayment Status Regular Overdue (1–30 days) Overdue (31–90 days) NPA
NPA FlagMark if account classified as Non-Performing Asset
PSL Tagging: Mudra loans must be tagged at both entity and account level for FIDD PSL returns. NPA flag mandatory for RBI quarterly reporting.
}
EOU
Export Oriented Unit
Customs-registered EOU under DGFT / Ministry of Commerce
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@if (expanded['eou']) {
EOU Registration
EOU Registration Number Registered DC Zone Mumbai (SEEPZ) Delhi (NSEZ) Chennai (MEPZ) Bangalore (BEPZ) Kolkata (FALTA) Hyderabad (VSEZ) Cochin (CSEZ) Other Bond / LUT Number Validity From Validity To GSTIN under EOU Scheme
Export Obligation & Compliance
Annual Export Obligation (₹ Cr) NFE Target (₹ Cr) SoftEx Filing Status CurrentPendingNot Applicable BRC Submission Status CurrentPendingNot Applicable AD Category Bank Code FEMA Declaration Date
FEMA / RBI: EOU accounts must be tagged for FEMA compliance on forex receipts. AD Category-I bank declaration mandatory. EDPMS reporting required for all export proceeds.
}
DGFT / IEC
Import Export Business
Entity with valid DGFT Importer Exporter Code
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@if (expanded['importexport']) {
IEC Registration
IEC Code (10-digit) IEC Issue Date IEC Status ActiveSuspended CancelledDeactivated Trade Type Export OnlyImport Only Both Import & Export Primary HS Code (Commodity) Key Trading Countries
Banking & Compliance
AD Category Bank Code ECGC Policy Number ECGC Policy Expiry
EEFC Account RequiredExchange Earners Foreign Currency account
PCFC Facility RequiredPre-shipment Credit in Foreign Currency
FEMA Declaration ObtainedForm A2 / LRS declaration on file
RBI / FEMA: IEC mandatory before any import/export transaction. AD bank must report all export proceeds via EDPMS and import payments via IDPMS. ECGC cover recommended for high-risk countries.
}
RBI PSL
Priority Sector Borrower
Eligible under RBI Priority Sector Lending guidelines
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@if (expanded['psl']) {
PSL Classification
PSL Category Agriculture MSME Housing Education Social Infrastructure Renewable Energy Export Credit Weaker Section Others PSL Sub-category Direct Agriculture — Crop Loan Direct Agriculture — Investment Allied Agriculture Micro Enterprise Small Enterprise Medium Enterprise Housing (up to ₹35L) Education Loan Weaker Section — SC/ST Weaker Section — Minorities Export Credit Others — Startup India PSL Loan Purpose Code PSL Eligibility Basis FIDD Reporting Code PSL Sanctioned Limit (₹)
@if (pslForm.get('pslCategory')?.value === 'MICRO_ENTERPRISE') {
MSME Sub-classification
MSME Classification Micro (T/O ≤ ₹5 Cr, Inv ≤ ₹1 Cr) Small (T/O ≤ ₹50 Cr, Inv ≤ ₹10 Cr) Medium (T/O ≤ ₹250 Cr, Inv ≤ ₹50 Cr) Udyam Registration Number Udyam Registration Date Annual Turnover (₹ Cr) Investment — Plant & Machinery (₹ Cr)
}
Special Category Flags
Weaker Section FlagSHG, JLG, SC/ST, OBC, Minorities, PWD borrowers
SC / ST Borrower FlagScheduled Caste or Scheduled Tribe classification
Women Entrepreneur FlagMajority-owned / managed by women
Minority Community FlagAs defined by Ministry of Minority Affairs
RBI FIDD Circular: PSL tagging mandatory at entity AND loan account level. MSME classification must be verified from Udyam portal — self-declaration not acceptable. Weaker section loans reported separately in FIDD quarterly returns.
}
General
Non-Priority Sector
Standard corporate / retail borrower — no special priority sector classification
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@if (expanded['nps']) {
Sector Classification
Industry Sector Large Corporate Mid-Market Corporate High Net Worth Individual (HNI) Retail — Salaried Retail — Self Employed Government / PSU Trust / NGO / Society Real Estate Other NIC Code (5-digit) Industry Description Annual Revenue Band Below ₹1 Cr ₹1 Cr – ₹10 Cr ₹10 Cr – ₹100 Cr ₹100 Cr – ₹500 Cr Above ₹500 Cr
Risk Classification
Risk Category Low Risk Medium Risk High Risk Customer Risk Score AML Risk Classification Standard Due Diligence (SDD) Customer Due Diligence (CDD) Enhanced Due Diligence (EDD)
PEP Flag — Politically Exposed PersonRequires mandatory EDD as per RBI KYC Master Circular
AML Watchlist MatchUN Sanctions / OFAC / EU / MHA match detected
Adverse Media FlagNegative news screening result — requires review
RBI KYC Master Circular 2023: PEP flag triggers mandatory EDD regardless of transaction size. AML watchlist match must be escalated to MLRO within 24 hours. Risk score reviewed annually for High Risk customers.
}
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