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Home › MSME — Delayed Payments
Practice Explainer · 26 September 2026

The Evidence That Wins An MSEFC Reference: Building A Delayed-Payment Claim Document By Document

Section 18 of the MSMED Act gives a supplier a powerful forum, but the Facilitation Council decides on paper. A claim assembled with the right documents — from Udyam registration to the interest worksheet — is half won before the first hearing.

Micro and small enterprises pursuing delayed payments under the Micro, Small and Medium Enterprises Development Act, 2006 often treat the reference to the Facilitation Council as a form to be filled rather than a case to be proved. That is a mistake. The Council’s conciliation and the arbitration that follows under Section 18(3) are decided on documents; oral assertion fills no gaps. This explainer catalogues the record a supplier should assemble before filing on the Samadhaan portal — and the weaknesses buyers most commonly exploit.

Think like the tribunal

The Council — and the arbitrator it becomes or appoints under Section 18(3) — must answer a short chain of questions: Was the claimant a supplier under the Act? Did it supply goods or services to the buyer? Were they accepted? What price was payable, by when? What remains unpaid? What interest has accrued? Each link needs a document. The claim should be organised so that every question is answered by a numbered annexure, in order.

The document checklist

ElementPrimary proofCommon defect
Supplier statusUdyam certificate showing micro/small classification at the relevant timeRegistration obtained after the supplies; classification since upgraded
Contract termsPurchase orders, rate contracts, email confirmationsSupplies made on oral orders; terms reconstructed from invoices alone
Supply and acceptanceDelivery challans with receipt signatures, GRNs, e-way bills, installation or service completion reportsChallans unsigned; no proof goods reached the buyer’s premises
No timely objectionCorrespondence trail showing no written objection within fifteen days of deliveryIgnoring the buyer’s quality emails instead of answering them
Outstanding amountInvoice set, ledger account, buyer’s balance confirmations, GST returns reflecting the invoicesLedger and invoices inconsistent; credit notes unaccounted
InterestInvoice-wise worksheet at three times the bank rate, compounded monthly from each appointed dayLump-sum interest claims with no computation

Anticipating the buyer’s defences

Quality disputes. The classic answer to a delayed-payment claim. Its strength depends entirely on contemporaneity: rejection memos and complaint emails from the supply period carry weight; objections voiced first in the reply to the claim rarely do.
Accounts reconciliation. Buyers plead payments, debit notes and set-offs. A supplier who files a clean, complete ledger — with every credit given — pre-empts the argument and keeps the focus on the unpaid balance.
Jurisdictional objections. Registration timing, the buyer’s location, the character of the transaction. These are met in the claim itself: plead the registration date, the place of supply, and the supplier’s location within the Council’s territory.

Conciliation under Section 18(2) is not a formality to be endured. It is the stage where a documented claimant extracts settlements, because the buyer’s advisers can read the file as well as the Council can. Suppliers who arrive with the worksheet and the annexures settle better and faster than those who arrive with grievances.

After the award

If conciliation fails, the dispute proceeds to arbitration under the Act, and the resulting award is enforceable like any arbitral award — with the significant statutory tilt that a buyer challenging it must first deposit seventy-five per cent of the awarded amount under Section 19. The evidentiary discipline described above pays a second dividend here: awards built on complete documentary records survive challenge, while awards resting on assertion invite remand and delay. The supplier’s file, assembled before filing, remains the case’s backbone from Samadhaan portal to execution court.

This article is for general information only and is not legal advice or a solicitation.

Frequently Asked Questions

Is Udyam registration necessary, and from when?

The supplier’s status as a micro or small enterprise anchors the Council’s jurisdiction, and registration at the time of the supply is the safest position. The certificate, with its classification and date, should be the first annexure; disputes about registration timing relative to the contract are among the most litigated threshold points.

What establishes the “appointed day” from which interest runs?

Under the Act, payment falls due as agreed (subject to the statutory ceiling of forty-five days from acceptance) or, absent agreement, within fifteen days of acceptance or deemed acceptance. Proof of the day of acceptance — delivery challans, GRNs, or the absence of any written objection within fifteen days of delivery — fixes the appointed day and the interest start point.

How is interest under Section 16 computed?

At three times the bank rate notified by the Reserve Bank, compounded with monthly rests, from the appointed day until payment. A month-by-month worksheet for each invoice, filed with the claim, saves the Council arithmetic and signals a professionally prepared case.

Do WhatsApp messages and emails count?

Yes — correspondence in which the buyer acknowledges receipt of goods, promises payment or raises no quality objection is often the most persuasive material on the file, precisely because it is contemporaneous. Preserve it with dates and, in arbitration, be ready to prove electronic records in accordance with the Bharatiya Sakshya Adhiniyam.

Note: This article is general information about the law and is not legal advice. It does not create an advocate-client relationship. The position stated is as at 26 September 2026 and may have changed since. Readers should verify any provision or decision referred to against the official text and seek advice on their own circumstances.