SMERA ratings Limited is a joint initiative of Dum and Bradstreet Information Services India Private Limited (D&B), leading public/private sector banks in India and _____________

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1. Identify the agency: $SMERA$ stands for SME Rating Agency, created to evaluate creditworthiness of small and medium enterprises.

2. Founding partners: The agency was established as a joint initiative involving D&B (Dun & Bradstreet), leading public/private sector banks in India, and a dedicated development institution supporting SMEs.

3. Role of SIDBI: The Small Industries Development Bank of India ($SIDBI$) is the principal financial institution in India focused on promotion, financing and development of the MSME sector; its participation as a founding partner aligns directly with SMERA's SME-focused mandate.

4. Conclusion: Given SIDBI's central role in SME development and its documented participation in founding $SMERA$, the correct identification of the co-founding institution is $SIDBI$.

FINAL_ANSWER: c

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