Start with a free assessment, get an advocate-signed legal notice within 24 hours, settle if the buyer responds (60% do), and file MSME Samadhaan, Section 138 or a summary suit in Bengaluru if not. Nothing upfront; 30% only on recovery.
Business in Bengaluru: where dues come from
Bengaluru’s dues are dominated by service invoices: IT vendors, staffing agencies, SaaS subscriptions and consultants billing startups and large companies in Whitefield, Electronic City and the ORR corridor. Written contracts and emails are usually strong, which makes a legal notice followed by a summary suit effective; garment exporters in Peenya and Bommanahalli have more conventional trade dues.
Main industries: IT and software services, startups and SaaS, garments and apparel exports, aerospace and precision engineering, electronics.
Courts and the Facilitation Council for Bengaluru
| Forum | What it hears | Where |
|---|---|---|
| Magistrate courts | Section 138 cheque bounce complaints | Metropolitan Magistrate courts at the Mayo Hall and Nrupathunga Road court complexes for Section 138 |
| Civil / Commercial courts | Summary suits and recovery suits | City Civil Court and the Bengaluru Commercial Courts for recovery suits. |
| MSE Facilitation Council | MSME Samadhaan delayed-payment references | Karnataka Micro and Small Enterprises Facilitation Council, Directorate of Industries and Commerce, Government of Karnataka, Bengaluru |
| High Court | Appeals, Section 34 challenges, high-value commercial suits | Karnataka High Court, Bengaluru (benches at Dharwad and Kalaburagi) |
See cheque bounce courts in Bengaluru and the Karnataka Facilitation Council.
Which route fits your case
| Your situation | Route | Typical time |
|---|---|---|
| Buyer ignoring reminders | Legal notice by a dedicated advocate | 24 hours to send; most respond in 7 to 15 days |
| Udyam-registered supplier, payment over 45 days late | MSME Samadhaan | Council target 90 days |
| Cheque bounced | Section 138 complaint | Notice within 30 days; complaint within the following 45 |
| Invoice or contract dues, no real defence | Summary suit | Months, by court calendar |
| Contract with arbitration clause | Arbitration | Usually faster than court |
By industry in Bengaluru
- IT services, software and agencies dues in Bengaluru: Milestone or monthly billing against SOWs and contracts, 30 to 60 day terms on paper, often 90 to 180 days in practice, with “scope” disputes used to delay.
- Startups, SaaS and new-age businesses dues in Bengaluru: Contracts and order forms with 30-day terms, annual subscriptions billed upfront, and payments that stop when a client’s funding or priorities change.
- Textiles and garments dues in Bengaluru: 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.
- Engineering, fabrication and machine tools dues in Bengaluru: Purchase orders with 45 to 90 day terms, frequent “hold” on payments pending inspection, and debit notes for rejections.
How FundRaksha works for Bengaluru businesses
- Free consultation and case assessment by phone, WhatsApp or video.
- Dedicated advocate assigned and legal notice sent within 24 hours (e-notice plus registered post).
- Negotiation and a documented settlement, secured by post-dated cheques or an e-mandate.
- Filing in Bengaluru or before the Council if needed, with the same advocate appearing.
Fee: 30% of the amount recovered, nothing upfront. Court fees at actuals, told before filing.