DRT, recovery agents or a B2B recovery agency?
| Route | Who can use it | Use it for an unpaid invoice? |
|---|---|---|
| Debt Recovery Tribunal (DRT) | Banks and financial institutions, for debts of ₹20 lakh and above | No: suppliers cannot file there |
| Bank recovery agents | Lenders, under RBI rules | No: they act only for lenders |
| MSME Samadhaan | Udyam-registered micro and small suppliers; heard by the Delhi Micro and Small Enterprises Facilitation Council | Yes, if you are Udyam-registered |
| Section 138, NI Act | Anyone holding a bounced cheque | Yes, within the 30-day notice limit |
| Summary or civil suit, arbitration | Any supplier with a fixed sum due | Yes |
A business debt recovery agency should use the last three. FundRaksha’s advocates choose the route in the free consultation and often run two together.
Recovering B2B dues in Delhi: what is specific here
Delhi’s wholesale markets in Chandni Chowk, Gandhi Nagar, Okhla and Bawana run on long informal credit, and a large share of suppliers also sell to government departments and PSUs where payments stall in paperwork. Delhi’s dedicated Section 138 courts move faster than most, and MSME Samadhaan applies fully to government buyers.
Main industries: garments and exports, electronics and electricals trading, auto components, printing and packaging and government and PSU supply.
Courts: Metropolitan Magistrate courts at Tis Hazari, Patiala House, Saket, Karkardooma, Rohini, Dwarka and Rouse Avenue for Section 138; District Commercial Courts for recovery suits; the Delhi High Court for high-value matters.
MSME claims: Udyam-registered micro and small suppliers in Delhi file on MSME Samadhaan, heard by the Delhi Micro and Small Enterprises Facilitation Council (Office of the Commissioner of Industries, Government of NCT of Delhi). The Council sits where the supplier is, so a Delhi supplier can pursue a buyer in another state from home.
Recovery agent or advocate?
A recovery agent can only remind and persuade. An advocate can send a statutory notice, claim interest under the MSMED Act, file in the Delhi courts or before the Council, and enforce the result. That is why every FundRaksha case has a dedicated advocate from day one. Read more: recovery agent vs advocate.
How recovery works for a business in Delhi
- 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 Delhi Micro and Small Enterprises Facilitation Council, a Section 138 complaint in the Delhi 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.