Textiles and garments payment recovery in Kolkata

Textiles and garments in Kolkata

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.

60 to 120 day credit is normal; post-dated cheques and running accounts (khata) are common, and buyers raise quality or shortage disputes when they want to delay.

Proof to collect

Typically sale bills with HSN, delivery challans or lorry receipts, e-way bills, the buyer’s acceptance or no complaint within the agreed period, ledger statements and WhatsApp confirmations of orders.

• Avoid: verbal orders with no written confirmation
• Avoid: goods accepted without a signed delivery record
• Avoid: quality complaints raised only after the due date
• Avoid: running accounts with no agreed credit period, which the MSME Act treats as 15 days

Forums in Kolkata

How FundRaksha works for textiles and garments suppliers in Kolkata

1. Free assessment of the documents your trade produces.
2. Notice within 24 hours, itemising invoices, disputed and undisputed amounts and interest.
3. Negotiation and documented settlement.
4. Filing in Kolkata or before the Council if needed.

30% on recovery, nothing upfront.