Is Existing Limit with Bank identifies whether the borrower already enjoys a sanctioned limit from the same lender. In MSME credit workflows, this distinction affects appraisal approach, documentation, exposure aggregation, renewal process, and approval delegation. An existing borrower can be assessed using account conduct, repayment history, covenant compliance, and previous review notes, while a new borrower needs deeper onboarding checks. For example, a request for limit enhancement should be compared with current utilisation, turnover routing, stock statements, and past irregularities. This field matters because it prevents the case from being treated as a completely fresh exposure when historical data is available. The caution is to check all customer IDs, group entities, and linked facilities so existing exposure is not missed.