MSME Payment Recovery Guide: How to Get Paid Within 45 Days Under MSMED Act

The Crisis: The 45-Day Payment Wall

For an MSME, cash flow is oxygen. When a large buyer delays payment beyond 45 days, it's a threat to your survival. Many founders suffer in silence, fearing that pushing for payment will damage the relationship. This is a mistake that kills growth.

The Legal Shield: Section 15 of the MSMED Act

Under Section 15 of the MSMED Act, buyers must pay within 45 days. If they fail, they are legally liable to pay compound interest at 3x the bank rate. This is a statutory requirement, not a suggestion.

The Strategic Weapon: MSME Samadhaan

The MSME Samadhaan portal allows you to file cases against defaulting buyers. Often, the mere mention of this portal in a demand letter triggers immediate payment.

The AccountsApex Recovery Plan

We handle the entire recovery lifecycle—from drafting demand letters to filing on the Samadhaan portal. We ensure your documentation is legally watertight so you get paid what you are owed, plus the interest you deserve.