Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q44: Consider the following statements regarding the "MSME Samadhaan" portal and the "Delayed Payments" provisions under the MSMED Act, 2006:

It empowers Micro and Small Enterprises (MSEs) to file applications against buyers who delay payments beyond 45 days.




The buyer is liable to pay compound interest with monthly rests at three times the bank rate notified by the RBI.




Medium Enterprises are also fully eligible to use the Samadhaan portal for dispute resolution against delayed payments.
A
1 only
B
1 and 2 only
C
1 and 3 only
D
2 and 3 only
✅ Correct Answer: B
Statements 1 and 2 are correct.
Section 15 of the MSMED Act mandates payment within a maximum of 45 days.
Section 16 mandates that failure to pay attracts compound interest at 3 times the Bank Rate notified by RBI.
Statement 3 is incorrect because the specific "Delayed Payment" protection under Sections 15-24 applies only to Micro and Small Enterprises.
Medium enterprises are excluded from this specific facilitation council mechanism.