Collections by ageing bucket
| Ageing | What usually works | FundRaksha service |
|---|---|---|
| Not yet due | Invoice sent with a payment link; mandate set up at order | Collect: e-mandates, UPI Autopay |
| 1–30 days overdue | Polite reminders on WhatsApp, SMS and email; statement of account | Collect: scheduled reminders |
| 31–60 days | Firm reminder, phone call, interest reminder for MSME suppliers | Collect + free assessment |
| 61–90 days | Legal notice from an advocate; settlement or payment plan | Legal: notice within 24 hours |
| 90+ days | MSME Samadhaan, Section 138 or summary suit | Legal: filing and appearances |
Why DSO stays high in B2B India
Days Sales Outstanding climbs when credit terms are informal, reminders are manual, and nobody wants to be the one who calls the customer. The fix is process: a mandate at the point of sale, automatic reminders, and a firm, early handover to legal when a buyer crosses 60 days. Businesses that adopt this see fewer accounts age past 90 days and far fewer write-offs.
Recovering B2B dues in Kolkata: what is specific here
Kolkata’s trade in Burrabazar, Posta and Howrah still runs on relationships and post-dated cheques, so Section 138 and old-fashioned negotiation both matter. Jute mills, foundries and engineering units supply across eastern India and Bangladesh, and distributors here often carry dues for FMCG brands with slow reconciliation.
Main industries: jute and textiles, tea trading, engineering and foundry, leather and FMCG distribution.
Courts: Metropolitan Magistrate courts at Bankshall Court, Calcutta, and Alipore for Section 138; City Civil Court and the Calcutta High Court Commercial Division for recovery suits.
MSME claims: Udyam-registered micro and small suppliers in Kolkata file on MSME Samadhaan, heard by the West Bengal Micro and Small Enterprises Facilitation Council (Directorate of MSME, Government of West Bengal, Kolkata). The Council sits where the supplier is, so a Kolkata supplier can pursue a buyer in another state from home.
How recovery works for a business in Kolkata
- Free consultation and case assessment. Send us the invoice, purchase order or delivery proof and the buyer’s messages. We tell you what is recoverable and how.
- Dedicated advocate within 24 hours. Your advocate sends a legal notice as an e-notice the same day and by registered post, with proof of delivery saved.
- Negotiation and settlement. The advocate calls the buyer, explains the consequences and agrees a payment plan. About 60% of our cases close here.
- Filing if needed. MSME Samadhaan before the West Bengal Micro and Small Enterprises Facilitation Council, a Section 138 complaint in the Kolkata magistrate courts, a summary suit or arbitration, handled by the same advocate.
You pay nothing upfront. Our fee is 30% of the amount actually recovered; if nothing is recovered there is no fee. Court fees, where a matter is filed, are borne by you and told to you in advance.