Buyer holding your payment for months?
If you're a micro or small business registered on Udyam, the law says your buyer must pay within 45 days. After that, they owe you interest.
Takes 30 seconds · Only Arjun calls you. No agents.
- Free first call
- Anywhere in India
- Hindi or English
- Free interest calculator
- Day 0
- 45 days
- Claim
Does this sound familiar?
- Invoices unpaid for 60, 90, 120 days.
- The buyer says "next week", every week.
- You can't stop supply, or you lose the account.
- Your own bank limit is stuck because their payment is stuck.
Small suppliers get paid last, because buyers expect them to wait.
- Under the MSMED Act, a buyer must pay a micro or small supplier within the agreed time, and never later than 45 days.
- After that, the buyer owes compound interest at three times the bank rate notified by the RBI.
- You can file a delayed-payment case on the government's MSME Samadhaan portal. The council can order the buyer to pay, with interest.
- Your cash stays stuck while you pay your own staff and suppliers on time.
- You borrow to fill the gap, and pay interest on someone else's delay.
- The interest the law says you're owed is never claimed.
Three steps.
A free call
Tell us the buyer, the invoices and the dates. We tell you honestly if you have a case.
We prepare your claim
We check your invoices, contracts and dates, and prepare the claim file and supporting papers.
We help you file and follow up
We help you file on MSME Samadhaan and stay with you through the council's process.
The first call is free. We check your papers and tell you if you have a claim. Filing on the government portal is free.
UGrowth is not a law firm and does not give legal representation. If your case needs a lawyer, we will tell you.
Does the 45-day rule apply to my business?
It protects micro and small suppliers registered on Udyam. The buyer must pay within the agreed time, and never later than 45 days from accepting the goods or service. After that, the buyer owes compound interest at three times the bank rate notified by the RBI.
Do I need a lawyer?
Usually not to file. Filing on the government's MSME Samadhaan portal is free. If your case needs a lawyer, we will tell you.
Not registered on Udyam yet?
Registration is free and online. Talk to us first: we'll tell you what it means for invoices you have already raised.
Our prices for late-payment help.
Fixed prices, so you know before you start. The first call is free. See all UGrowth prices.
| Service | Price (GST extra) |
|---|---|
| Late-payment interest calculator and reminder letter Use the free calculator | Free |
| Formal payment notice drafted by us | ₹2,999 |
| MSME Samadhaan claim filed, with follow-up Fixed fee. | ₹14,999 |
- GST extra.
- Your company's fees to government portals, if any, are paid by you directly.
- We take no share of the amount recovered.
Free check of your case
Tap roughly how much is stuck, then your name, WhatsApp number and city. Arjun calls you within 1 hour, any day, any time.
Send us the buyer's name and the invoice dates on WhatsApp.
WhatsApp us Call +91 98107 66280
You'll speak to Arjun Kulshrestha, who runs every client file.
He takes the first call and stays with your file until the end. Not a call centre. Hindi or English.
Get paid what you're owed.
Send us the buyer's name and the invoice dates on WhatsApp. We reply within 1 hour, any day, any time.
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