Buyer bade company hai, kya fir bhi niyam lagega?

Haan. Buyer chhota ho ya bada, private ho ya sarkari, agar supplier micro ya small hai to 45 din ki limit buyer par lagti hai.

Agreement me 60 din credit likha hai, ab kya?

Kanoon ke hisaab se 45 din se zyada ka credit valid nahi maana jaata. 45 din ke baad se byaj ka haq banta hai.

Medium enterprise hoon, mere liye kya rasta hai?

Samadhaan aapke liye nahi hai. Legal notice, summary suit (CPC Order XXXVII) ya arbitration clause ho to arbitration se recovery hoti hai.

Is the consultation really free?

Yes. The consultation and case assessment are free, with no obligation. If you decide to go ahead, there is still nothing to pay upfront: FundRaksha Legal charges 30% only on the amount actually recovered. Court fees, if a matter goes to court, are borne by the client.

Are there any upfront fees?

No. FundRaksha Legal charges a 30% success fee, only on the amount actually recovered. If nothing is recovered, there is no success fee. Court fees, if any, are borne by you and told to you upfront.

How fast does my case start?

Within 24 hours of receiving your complete documents, a dedicated advocate is assigned and the legal notice is sent as an e-notice, followed by registered post.

Do most cases go to court?

No. About 60% of our cases settle before anything is filed, through the notice, negotiation and a payment plan. The rest go to MSME Samadhaan, a Section 138 complaint, a civil suit or arbitration, handled by the same advocate.

Do you work with businesses anywhere in India?

Yes. Notices, filings and follow-ups are handled digitally, and advocates appear wherever the matter is heard. FundRaksha works with suppliers, manufacturers, traders, distributors and service businesses in every state.

हिंदी में

MSME 45 din ka niyam: buyer ko kitne din me payment karna zaroori hai

Agar aap Udyam registered micro ya small supplier hain, to kanoon aapke saath hai. MSMED Act kehta hai ki buyer ko 45 din ke andar payment karna hi padega, chahe usne kuch bhi likha ho. Ye page batata hai ki 45 din kab se ginte hain, deri hone par kya milta hai, aur is niyam ko paisa nikalne ke liye kaise use karein.

MSME 45 दिन का नियम: खरीदार को कितने दिन में पेमेंट करना ज़रूरी है

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1,000+

businesses onboarded

₹50 Cr+

invoice value handled

700+

businesses got their money back

60%

of cases settled before court

Short answer

MSMED Act ke Section 15 ke hisaab se buyer ko micro ya small supplier ka payment agreed date par karna hai, aur agreement me jo bhi likha ho, ye 45 din se zyada nahi ho sakta. Agar koi written agreement nahi hai to 15 din ki limit lagti hai. Deri hone par buyer ko RBI bank rate ka 3 guna byaj, monthly compound, dena padta hai, aur aap MSME Samadhaan par case file kar sakte hain.

45 din kab se ginte hain?

Ginti maal ya service ke acceptance ki date se shuru hoti hai. Agar buyer ne koi objection nahi diya, to delivery ki date ko hi acceptance maana jaata hai. Matlab aapne 1 tareekh ko maal deliver kiya aur buyer ne 15 din tak koi complaint nahi ki, to payment ki deadline wahi 45 din wali ginti se chalegi.

Written agreement hai: jo din likha hai wo, lekin 45 din se zyada nahi.
Written agreement nahi hai: acceptance ke 15 din ke andar.
Buyer ne "90 din credit" likha hai: kanoon ki nazar me fir bhi limit 45 din hi hai.

Ye niyam sirf un suppliers ke liye hai jo Udyam registration ke saath micro ya small category me aate hain. Medium enterprise ko Samadhaan ka fayda nahi milta, unke liye legal notice aur civil suit ka rasta hai.

Deri hone par aapko kya milta hai

Sabse bada hathiyar hai byaj. Section 16 ke hisaab se buyer ko RBI bank rate ka teen guna byaj dena hota hai, monthly compound. Ye invoice pe likha ho ya na ho, kanoon se milta hai. Purane bill par ye byaj kaafi bada ho jaata hai, isliye buyer jaldi settle karna pasand karta hai.

Apna byaj nikalne ke liye MSME interest calculator use karein. Byaj kaise maange, ye detail me yahan padhein.

Buyer ke liye ek aur dard hai: Income-tax s.43B(h). Agar wo time limit ke baad pay karta hai, to us saal wo expense claim nahi kar sakta. Ye baat legal notice me likhne se buyer ka accountant khud payment push karta hai.

Is niyam ko paisa nikalne ke liye kaise use karein

Udyam certificate check karein. Registration supply ke time valid hona chahiye.
Invoice, PO aur delivery proof ek folder me rakhein.
Advocate se legal notice bhejein jisme Section 15 aur 16 ka zikr ho. FundRaksha 24 ghante me notice bhejta hai.
Payment na aaye to MSME Samadhaan par claim file karein. Portal hai https://samadhaan.msme.gov.in.

Hamare experience me 60% case notice ke baad hi settle ho jaate hain, Council tak jaane ki zaroorat nahi padti.

Aam galtiyan jo supplier karte hain

Udyam registration supply ke baad karwana: purani supply par Act ka fayda nahi milta.
Buyer ke kehne par "byaj maaf" likh dena. Pehle salah lein.
Saalon tak wait karna. Limitation Act me 3 saal ki limit hai, uske baad case kamzor ho jaata hai.

Agar samajh nahi aa raha ki aapka case Act me aata hai ya nahi, to free consultation book karein. Ek call me advocate bata dega.

Last reviewed: 2026-10-08. Information for Indian businesses; not legal advice.

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Free consultation and case assessment

मुफ़्त सलाह, कोई शुल्क नहीं

Talk to a FundRaksha recovery expert for free. In one call we assess your unpaid invoices and tell you honestly what can be recovered, how, and in roughly how long. No fee for the call, no obligation, and no upfront cost if you go ahead: our fee is a percentage of what we actually recover.

A review of your invoices, purchase orders, delivery proof and the buyer’s replies
An honest assessment of recovery chances and the right route: reminders, legal notice, MSME Samadhaan, Section 138 or a civil suit
A realistic timeline and the exact cost: nothing upfront, a success fee only on recovery
A dedicated advocate assigned within 24 hours if you decide to proceed

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Keep these ready

The unpaid invoice(s) and payment terms
Purchase order, delivery challan, e-way bill or proof of service
Messages, emails or letters about the payment
For a bounced cheque: the cheque and the bank return memo

No recovery, no fee. Court fees, if any, are borne by the client and told upfront.

FAQ

Questions, answered

Udyam registration retail aur wholesale traders ko bhi milta hai, lekin MSMED Act ke delayed payment wale benefit ko lekar trader ke case me advocate se pehle check karwa lein. Manufacturer aur service provider ke liye ye clear hai.

This page is general information for Indian businesses, not legal advice for your specific case. Laws, rates and procedures change; speak to an advocate before acting. FundRaksha LegalTech Pvt Ltd is a technology company; legal work is carried out by enrolled advocates.