Agar aap Udyam registered micro ya small supplier hain, to MSMED Act s.16 ke hisaab se buyer ko RBI bank rate ka 3 guna byaj, monthly compound, dena hai, chahe invoice me likha ho ya nahi. Baaki suppliers invoice ya contract me likhe interest rate se byaj maang sakte hain, aur civil suit me reasonable interest claim kar sakte hain. Byaj ko hamesha written demand ya legal notice me calculation ke saath maangein.
Kitna byaj banta hai, teen situation
| Aapki situation | Byaj ka aadhar | Kitna |
|---|---|---|
| Udyam registered micro ya small supplier | MSMED Act s.16 | RBI bank rate ka 3 guna, monthly compound |
| Invoice ya contract me interest clause hai | Contract | Jo rate likha hai |
| Na registration, na clause | Civil suit me court ka discretion | Reasonable interest |
Compound byaj ka matlab hai har mahine byaj par bhi byaj lagta hai. Isliye do saal purane bill par byaj principal ka bada hissa ban jaata hai. Exact amount ke liye late payment interest calculator use karein.
Byaj maangne ka sahi tareeka
- Pehle ledger ka balance buyer se written me confirm karwayein.
- Ek simple sheet banayein: invoice number, due date, kitne din late, byaj ka rate, total byaj.
- Reminder me principal aur byaj alag alag likhein, taaki buyer ko clear ho ki deri ki keemat badh rahi hai.
- Jawab na aaye to legal notice bhejein jisme byaj ka calculation aur kanoon ka section ho.
Byaj ki demand gaali ya dhamki ke saath kabhi na karein. Sirf calculation aur kanoon likhein. Yahi sabse zyada asar karta hai.
Negotiation me byaj ka use
Byaj ek bargaining chip hai. Bahut se supplier byaj ko pura maangte hain aur fir settlement me kehte hain: "aap principal ek mahine me de do, byaj me hum chhoot de denge." Buyer ko lagta hai usne paisa bachaya, aur aapko poora principal jaldi mil jaata hai.
Lekin byaj chhodne ka faisla tabhi likhein jab payment aa jaaye. Settlement letter me ye condition rakhein ki ek bhi installment miss hua to poora byaj wapas lagega.
FundRaksha ke advocate yahi strategy use karte hain. Notice 24 ghante me jaata hai aur fee sirf 30% hai, wo bhi recovery hone par.
Agar buyer byaj dene se mana kare
Micro ya small supplier ke liye MSME Samadhaan sabse sahi jagah hai, kyunki Council byaj ka award deta hai aur appeal ke liye buyer ko 75% jama karna padta hai. Baaki suppliers summary suit (CPC Order XXXVII) me principal ke saath interest maang sakte hain.
Kaunsa rasta aapke case me sahi hai, ye free consultation me ek call me pata chal jaayega. 45 din wale niyam ki puri jaankari yahan hai.
Last reviewed: 2026-10-08. Information for Indian businesses; not legal advice.