Aggregate Exposure > 100 Cr. (Unrated now Rated Earlier) refers to flag for borrower or group exposure above ₹100 crore where the account is currently unrated although it was rated earlier. It should trigger rating-status review and policy compliance check. In MSME underwriting, it provides context for the borrower, facility, banking conduct or approval conditions and helps the credit officer connect operational data with credit judgement. For example, the item may influence eligibility, documentation, sanction conditions or the credit officer’s comfort even if it is not a ratio by itself. It matters because the term can affect how the proposal is documented, interpreted, approved and monitored after sanction. The common mistake is to read it in isolation; it should be checked against borrower documents, bank statements, financials and policy requirements.