Client not paying after work completed

What you need to know

Under MSMED Act, buyers must pay MSME within 45 days (or agreed period). Delayed payment attracts interest at 3x RBI bank rate automatically. File through MSME Samadhaan portal.

Your rights

Payment within 45 days or agreed period

Interest at 3x RBI bank rate on delayed MSME payments

File through MSME Samadhaan portal

Approach Civil Court or MSME Facilitation Council

What you should do now

Action first

Send written payment demand

Email/WhatsApp client with invoice, delivery proof, outstanding amount
Mention MSMED Act 45-day obligation and 3x RBI rate interest from due date
Give 15-day deadline

If not paid

File on MSME Samadhaan portal (samadhaan.msme.gov.in) — free, fast, legally binding
MSME Facilitation Council can order payment with compound interest

Acts applicable

MSMED Act 2006

central

Section 15 — Buyer obligation, Section 16 — Interest on delayed payment at 3x bank rate

Indian Contract Act 1872

central

Section 73 — Compensation for breach

Where to complain

MSME Samadhaan Portal MSME Helpline — 1800-180-6763

Consumer complaint portal: e-jagriti.gov.in (replaced edaakhil.nic.in as of Jan 2025). Labour complaints: col.gujarat.gov.in. All links verified June 2026 via web search against official government sources.