Served from Bengaluru
Debt collection agency in Bihar — B2B receivables, recovery and enforcement for businesses owed by Bihar companies.
Bihar-registered companies fall under the NCLT Kolkata bench, so enforcement against a Bihar debtor is run from Kolkata.
Served from Bengaluru
Bihar matters, run from our head office
Practitioners and field collectors travel to Bihar for on-the-ground work. Legal matters run through advocates at the NCLT Kolkata bench and the local commercial courts.
+91 80 6824 8827 · info@kenstonecapital.inEvery debtor validated before anyone spends a day on it
Every action on record on our collection platform
Nothing filed without your written approval
Three stages, in Bihar
What is different about Bihar
The forum
There is no NCLT bench in Bihar. Companies registered in the state are heard on insolvency at the NCLT Kolkata bench, which also covers West Bengal, Jharkhand and the Andaman and Nicobar Islands. Appeals go to the Patna High Court, and commercial suits are filed at the commercial court for the relevant district. A creditor planning a section 9 petition against a Bihar company should budget for it to be run out of Kolkata.
If you are a registered MSME
A supplier registered on Udyam as a micro or small enterprise has a route the rest of the market does not: section 15 of the MSMED Act makes payment due in 45 days, and sections 16 to 18 let the supplier refer the unpaid invoice to a Micro and Small Enterprises Facilitation Council instead of filing suit. Interest runs at three times the RBI bank rate, compounded monthly, and a buyer who wants to challenge the award must first deposit 75 per cent of it. Traders are excluded; the registration must pre-date the supply. Bihar runs a single state-level council seated with the Department of Industries at Patna, so references from anywhere in the state are made there.
The debtors
The debtor base here is food and agro processing, FMCG and pharmaceutical distribution, construction materials, sugar and distillery, textiles at Bhagalpur, transport and logistics, government and institutional supply. The commercial belt runs through Patna and Fatuha, Hajipur, Muzaffarpur, Begusarai, Bhagalpur and the Bihta industrial belt.
What we see in Bihar
Bihar is a distribution state before it is a manufacturing one, so most claims run against stockists and distributors rather than against factories. Two things follow. The debtor's assets are stock and receivables rather than plant, which changes what enforcement can realistically reach; and the supplier usually has only one distributor for the state, which makes them reluctant to escalate until the position is already bad.
How we work a Bihar file
The same six steps on every account, whether it is one invoice or a book. What changes by city is the forum and the ground work, not the method.
- 1
Intake and validation
Before anyone spends a day on your file, every debtor entity is checked: is it still trading, is it the entity that actually contracted with you, and is there anything to recover from. Where a Bihar debtor has ceased operating we say so and recommend a write-off — which earns us nothing. That is the point.
- 2
A named practitioner, not a queue
The file is allocated to one practitioner who owns it end to end. You deal with the person working your accounts, not with whoever answers the phone.
- 3
Contact, on record
Every call, every promise to pay and every reminder is recorded on our collection management platform. When a promise breaks, the next step follows from the record rather than from someone's memory — which is what makes escalation a step rather than a fresh start.
- 4
Field work where it is warranted
Practitioners and field collectors travel to Bihar for on-the-ground work, including Patna, Fatuha and Hajipur. A field visit is a decision we justify to you, not a line item we add by default.
- 5
The escalation decision, stated honestly
We tell you when a claim is not worth enforcing, and why. Where it is worth enforcing, we tell you which route the facts support — a demand notice, section 138 where a cheque has bounced, a summary suit, or a section 9 petition at the NCLT Kolkata bench — and what each would cost and take.
- 6
Nothing filed without your written approval
No notice goes out and no matter is filed in your name until you have approved it in writing. The advocate's fee and the court fees are stated separately, before you decide.
What it costs. Recovery is charged as a success fee — a percentage of what is actually recovered, and nothing if nothing is recovered. The DSO Reduction Programme is priced separately, as a seat-based monthly fee. Enforcement is priced case by case, with the advocate's fee and the court or tribunal fees stated as separate lines before you approve anything.
A success fee on its own rewards an agency for working your easy accounts and letting the hard ones go quiet. How recovery is priced, and the three things we do that earn us nothing →
Questions from Bihar businesses
Do you have an office in Bihar?
No. Kenstone Capital is headquartered in Bengaluru and serves Bihar from there. Practitioners and field collectors travel for on-the-ground work, and legal matters are run by advocates from our screened network at the NCLT Kolkata bench and the local commercial courts. We say this plainly because a debtor will ask, and the answer does not change what we can do.
Where would a Section 9 petition against a Bihar company actually be heard?
There is no NCLT bench in Bihar. Companies registered in the state are heard on insolvency at the NCLT Kolkata bench, which also covers West Bengal, Jharkhand and the Andaman and Nicobar Islands. Appeals go to the Patna High Court, and commercial suits are filed at the commercial court for the relevant district. A creditor planning a section 9 petition against a Bihar company should budget for it to be run out of Kolkata.
We are a registered MSME supplier in Bihar. Is there a faster route than a suit?
A supplier registered on Udyam as a micro or small enterprise has a route the rest of the market does not: section 15 of the MSMED Act makes payment due in 45 days, and sections 16 to 18 let the supplier refer the unpaid invoice to a Micro and Small Enterprises Facilitation Council instead of filing suit. Interest runs at three times the RBI bank rate, compounded monthly, and a buyer who wants to challenge the award must first deposit 75 per cent of it. Traders are excluded; the registration must pre-date the supply. Bihar runs a single state-level council seated with the Department of Industries at Patna, so references from anywhere in the state are made there.
Discuss your receivables
Tell us where you are on the curve. A practitioner — not a sales desk — reads every enquiry and replies within one working day.