The MSME Samadhaan portal is the government site where micro and small suppliers raised complaints against buyers who paid late.
It was built on the delayed payment rules in the Micro, Small and Medium Enterprises Development (MSMED) Act, 2006. New complaints are now filed on the MSME ODR portal instead.
The aim was simple: give micro and small suppliers a way to recover late payments, with interest, without going to court first.
A complaint goes to the MSE Facilitation Council in the state, which tries to settle it and, if needed, decides it.
Below you will find where complaints go now, how to file step by step, what you can claim, who is eligible, how the interest works with a worked example, and how to track a case.
Getting these right matters, because a missing paper or a wrong portal can delay money you are already owed.
MSME Samadhaan and the MSME ODR portal: where complaints go now
MSME Samadhaan, also called the Delayed Payment Monitoring System, let a Udyam-registered micro or small enterprise raise a delayed payment case against a buyer.
The Samadhaan site now carries a banner saying all new delayed payment applications are filed on the MSME ODR portal, short for Online Dispute Resolution.
The ODR portal runs the whole case online, from filing and an optional settlement stage through conciliation and arbitration at the MSEFC, the council that decides delayed payment disputes in each state.
In practice, the change affects you in three ways:
- Where you file: a fresh complaint is lodged on odr.msme.gov.in, and you sign in with your Udyam number rather than creating a separate account.
- What you track: you follow a new case on the ODR portal, so progress sits in the same place you filed.
- What older guides say: many pages written before the switch still send you to the Samadhaan form, so check which address the government site itself shows before you start.
How to file on the ODR portal, step by step, with documents
Filing takes one sitting if your papers are ready. The portal flow reads like this, though the screens can change, so follow the labels you see on the site.
| Step | What to do on the ODR portal |
|---|---|
| 1 | Open odr.msme.gov.in and choose the option for sellers |
| 2 | Log in with your Udyam number and enter the OTP sent to your Udyam-registered mobile or email |
| 3 | Enter the buyer's name, address, GSTIN, mobile number and email |
| 4 | Add the unpaid invoices; several invoices against the same buyer can go in one application |
| 5 | Enter the principal and the interest you are claiming, then upload your documents |
| 6 | Submit the application and note the e-filing number shown on screen |
| 7 | Log in again later to track status; the e-filing number becomes a case number once the council accepts it |
Keep each invoice tied to its proof of delivery, so the council can match every claim to paperwork.
| Document | Why you need it |
|---|---|
| Udyam registration certificate | Shows you are a micro or small enterprise |
| Tax invoices | Show the amount and date of each supply |
| Delivery challans, e-way bills or goods receipt notes | Prove the buyer received goods; for services, use proof of service such as sign-offs or emails |
| Buyer ledger from your books | Shows what is paid and what is still due |
| Demand notice and proof of posting, if sent | Shows you asked for payment before filing |
| Emails or letters where the buyer admits the dues | Strengthen the claim during conciliation |
| Purchase order or agreement | Helpful for agreed payment terms, though not always required |
| Buyer's working mobile number and email | Lets the council serve notice on the buyer |
What MSME suppliers can claim and do when a buyer pays late
The law expects a buyer to pay by the agreed date, and never later than 45 days after accepting your goods or services. The MSME 45 days payment rule explains how that deadline is counted.
Once it passes, you have these options:
- Recover the unpaid amount: claim the full principal still due on each invoice, invoice by invoice.
- Add interest set by law: claim compound interest at three times the RBI bank rate, worked out in the section below.
- Try settlement first: the ODR portal offers an optional settlement step where both sides can agree before the council steps in.
- Go to the MSEFC: if that fails, the council moves to conciliation and then arbitration, which ends in an award.
- Keep papers ready: invoices, proof of delivery and any written reminders make each stage faster.
Who is eligible to file an MSME delayed payment complaint
You can file if you are a micro or small enterprise with a valid Udyam registration and you supplied goods or services to a buyer in India who paid late.
Sole proprietors qualify, so a freelancer running a one-person business can use the route.
- Supplier: a micro or small enterprise with a Udyam registration.
- Buyer: a buyer in India that missed the due date.
- Supply: goods or services supplied, with invoices to show it.
- Timing: your Udyam registration should usually be in place before the supply you claim for.
How much interest an MSME supplier can claim, with a worked example
You can claim compound interest at three times the bank rate notified by the RBI, with monthly rests, on the amount unpaid after the due date. The interest is set by law rather than by your invoice.
As of 29 Oct 2026, the RBI bank rate is 5.75%, so the interest rate for delayed MSME payments is 17.25% a year.
The RBI changes the bank rate from time to time, so check the current figure on the RBI website before you enter your claim.
Here is a worked example at today's rate:
- Unpaid invoice: Rs 2,00,000, now three full months past the due date.
- Monthly rate: 17.25% divided by 12 is 1.4375% a month.
- Growth factor: 1.014375 raised to the power of 3 is about 1.04375.
- Interest: Rs 2,00,000 x 0.04375 comes to about Rs 8,750.
- Total claim: about Rs 2,08,750, before any further months of delay.
Enter your own figures invoice by invoice on the portal, since part payments and different due dates change the result.
What happens after you file, and how to check MSME Samadhaan status
Once you submit, the case moves through a set of stages. Some cases end early if the buyer settles.
| Stage | What happens |
|---|---|
| Optional settlement | Both sides can settle by consent on the portal before the council steps in |
| Scrutiny | The MSEFC checks the application and issues a case number if it is complete |
| Buyer's reply | The buyer is asked to file a reply to your claim |
| Conciliation | The council, or a centre it names, helps both sides reach an agreement |
| Arbitration | If conciliation fails, the dispute goes to arbitration, which ends in an award |
| Enforcement | An award can be enforced like a civil court decree if the buyer still does not pay |
The law expects the council to decide a referred case within 90 days. Real timelines depend on the state council's workload and how quickly the buyer responds.
To check status, start where you filed:
| Your case | Where to check status |
|---|---|
| Filed on MSME Samadhaan before the switch | Use the case status option on samadhaan.msme.gov.in |
| Filed on the ODR portal | Log in on odr.msme.gov.in with your Udyam number and OTP |
| Not sure where it was filed | Try the ODR portal first with your Udyam number, then the Samadhaan site |
If you cannot find an older case, check both sites before raising a fresh complaint, and avoid filing twice against the same invoices.
How Xflow helps MSME suppliers whose clients pay from abroad
The Samadhaan route covers buyers in India. If some of your clients pay from abroad, Xflow Receiving Accounts are built for receiving those payments into India.
- Receiving accounts: Xflow Receiving Accounts let clients pay in 25+ currencies, including USD, GBP, EUR, CAD, AUD, AED and SGD.
- Local methods: clients can pay through local methods in USD, EUR, GBP and CAD, and through SWIFT in other currencies such as AUD, AED and SGD.
- Settlement: money reaches your Indian bank account in INR within 1 business day.
- Regulated: Xflow Payments India Pvt. Ltd. is a cross-border payment aggregator authorised by the RBI and works with AD-1 banks.
Is the MSME Samadhaan route worth using
For a micro or small supplier with a Udyam registration and a buyer in India who paid late, yes.
The ODR portal now handles new complaints, interest at three times the RBI bank rate adds up quickly, and the MSEFC process gives you a path short of court.
Keep your invoices and proof of delivery in order, work out the interest invoice by invoice, and file once, on the right portal. For an older case, check status on the site where you first filed before starting again.
Frequently asked questions
The Samadhaan site still loads, but its banner says all new delayed payment applications are filed on the MSME ODR portal. Use the ODR portal for any new complaint.
No filing fee was shown on the portal pages checked, so confirm any charge on the portal when you file.
Keep your Udyam certificate, tax invoices, proof of delivery or service, the buyer ledger, any demand notice and the buyer's contact details ready. A purchase order or agreement helps but is not always required.
A micro or small enterprise with a valid Udyam registration can file against a buyer in India who paid after the due date. Sole proprietors and freelancers qualify if they are registered.
The law expects a decision within 90 days of the case being referred to the council. Actual timelines vary by state and by how quickly the buyer responds.
You can claim compound interest at three times the RBI bank rate, with monthly rests. At a bank rate of 5.75%, that works out to 17.25% a year as of 29 Oct 2026.
Check where you filed. New cases are followed on the ODR portal using your Udyam number and an OTP; for an older case, try the case status option on the Samadhaan site, then the ODR portal.
