Delayed payment interest statement
INV-0042
Bill amount
₹1,00,000
Due date
2026-03-31
Overdue by
165 days
Principal outstanding₹1,00,000
Interest @ 19.5% p.a. (monthly compounding) for 165 days+ ₹9,271
Total claimable₹1,09,271
ఉచిత వ్యాపార సాధనం
MSMED వడ్డీ కాలిక్యులేటర్
పెద్ద buyers ఆలస్యంగా చెల్లిస్తున్నారా? చట్టం 15% వడ్డీ ఇస్తుంది.
సైన్అప్ అవసరం లేదుతక్షణ ఫలితాలుబ్రౌజర్లో ప్రైవేట్ ప్రాసెసింగ్
MSMED Act toolkit
Charge Late-Payment Interest
Under Section 16 of the MSMED Act, 2006, registered micro/small suppliers are entitled to interest at three times the RBI bank rate (6.5% × 3 = 19.5% p.a.) when buyers pay later than the agreed credit period. If no agreement exists or the period exceeds 45 days, the Act deems the maximum credit period as 45 days before interest begins accruing.
19.5% p.a.
ఎలా ఉపయోగించాలి
- Bill amount, date
- Credit days (45 max)
- Claim PDF
తరచుగా అడిగే ప్రశ్నలు
Buyer 60 రోజులు అంటున్నారా?
MSME కి 45 రోజులు దాటి చెల్లదు; 45 నుంచి వడ్డీ.
సంబంధిత సాధనాలు
ఈ అంశంలో నాలుగు సాధనాలు — పూర్తి జాబితా హబ్లో.
EMI calculator
Loan EMI with a year-by-year amortization PDF.
SIP calculator
Monthly SIP projection with inflation-adjusted value.
Gratuity calculator
Payment of Gratuity Act 15/26 formula, eligibility, and cap.
TReDS discounting calculator
Net proceeds when you discount a large-buyer invoice.
సంబంధిత గైడ్లు
వ్యాస సేకరణ నుంచి ఎంపిక.
TReDS Explained - Discount Unpaid MSME Invoices for Instant Cash
How TReDS lets registered MSMEs convert accepted invoices from large buyers into cash within days — eligibility, discount costs, and the step-by-step flow.
Government Schemes for Small Businesses in India - 2026 Roundup
Every scheme worth knowing: Udyam protections, Mudra loans, CGTMSE guarantees, TReDS invoice discounting, PM SVANidhi, and zero-MDR UPI merchant incentives.
Udyam Registration Guide 2026 - MSME Benefits & How to Apply Free
Register free on the Udyam portal in 10 minutes and unlock 15% late-payment interest rights, collateral-free loans, TReDS access, and procurement benefits.
UPI QR Code vs Payment Gateway for Business
An in-depth comparison of free static UPI QR codes and paid payment gateways (like Razorpay, Cashfree, or Paytm Business) for small merchants and online creators.