Module: General Practice
Q184: In the context of MSME credit appraisal, what does the specific report type "MIRA" primarily refer to when listed alongside CIBIL and D&B reports?
✅ Correct Answer: C
In the context of credit reports like "CIBIL, D&B, MIRA," the term refers to the Mira Inform Report, produced by Mira Inform (formerly Mercantile Information & Reference Agency). It is a Business Information Report (BIR) that provides creditworthiness assessments, financial standing, and background checks on companies.
Banks and lenders use these reports (similar to Dun & Bradstreet reports) to verify the credibility of SME borrowers or their buyers, especially in trade credit decisions.
While "MIRA" can refer to other entities in different contexts, in the specific Indian banking and MSME credit list, it refers to the credit intelligence agency Mira Inform.
Banks and lenders use these reports (similar to Dun & Bradstreet reports) to verify the credibility of SME borrowers or their buyers, especially in trade credit decisions.
While "MIRA" can refer to other entities in different contexts, in the specific Indian banking and MSME credit list, it refers to the credit intelligence agency Mira Inform.