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 Ludhiana: what is specific here
Ludhiana’s hosiery, bicycle and machine-tool units sell to distributors and brands across India on 60 to 120 day credit, with post-dated cheques still common in the trade. Section 138 and MSME Samadhaan (Punjab’s Facilitation Council) cover most situations, and a notice sent within days of the default is what keeps a hosiery season’s dues recoverable.
Main industries: hosiery and knitwear, bicycle and bicycle parts, sewing machines and machine tools, auto components and fasteners.
Courts: Judicial Magistrate courts, Ludhiana, for Section 138; District Court, Ludhiana, and its Commercial Court for recovery suits; the Punjab and Haryana High Court for high-value matters.
MSME claims: Udyam-registered micro and small suppliers in Ludhiana file on MSME Samadhaan, heard by the Punjab Micro and Small Enterprises Facilitation Council (Directorate of Industries and Commerce, Government of Punjab, Chandigarh). The Council sits where the supplier is, so a Ludhiana supplier can pursue a buyer in another state from home.
How recovery works for a business in Ludhiana
- 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 Punjab Micro and Small Enterprises Facilitation Council, a Section 138 complaint in the Ludhiana 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.