Served from Bengaluru
Debt collection agency in Mumbai — B2B receivables, recovery and enforcement for businesses owed by Mumbai companies.
Mumbai has the NCLT's busiest bench and the original-side commercial division of the Bombay High Court, which means a Mumbai debtor can be met with the full range of instruments in one city — and that timelines depend on which forum the case supports.
Served from Bengaluru
Mumbai matters, run from our head office
Practitioners and field collectors travel to Mumbai for on-the-ground work. Legal matters are run by advocates from our screened network in Mumbai.
Working across Navi Mumbai, Thane, Kalyan-Dombivli and Vasai-Virar.
+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 Mumbai
What is different about Mumbai
The forum
Mumbai is one of the few places in India where the High Court hears commercial suits on its original side. Since the Bombay City Civil Court (Amendment) Act 2023 raised that court's limit to Rs 10 crore, commercial suits at or below Rs 10 crore are heard at the City Civil Court and the High Court's Commercial Division takes what is above it.
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. Maharashtra runs seven regional councils — Mumbai, Thane, Pune, Nashik, Chhatrapati Sambhajinagar, Nagpur and Amravati — so the reference follows the supplier's region.
The debtors
The debtor base here is financial services, media and advertising, pharmaceuticals, chemicals and dyes, textiles and apparel trading, logistics and freight forwarding, film and event production. The commercial belt runs through Andheri MIDC, SEEPZ, Marol, Bhandup, Vikhroli, the Chembur-Trombay refinery belt and the Fort and Nariman Point financial district.
What we see in Mumbai
Mumbai's problem is rarely the debtor's solvency; it is the layer between you and the money. Agency, media and logistics dues sit behind a principal-agent chain where each link says the other owes you, and the account ages while the paperwork is reconciled. We validate who the contracting entity actually is before anyone spends a day chasing the wrong one.
How we work a Mumbai 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 Mumbai 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 Mumbai for on-the-ground work, including Andheri MIDC, SEEPZ and Marol. 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 Mumbai 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 →
Also in West India
Questions from Mumbai businesses
Do you have an office in Mumbai?
No. Kenstone Capital is headquartered in Bengaluru and serves Mumbai from there. Practitioners and field collectors travel for on-the-ground work, and legal matters are run by advocates from our screened network in Mumbai itself. We say this plainly because a debtor in Mumbai will ask, and the answer does not change what we can do.
How does debt collection work for a Mumbai debtor?
The same three stages as anywhere: the DSO Reduction Programme for receivables that are slipping, practitioner-led recovery for accounts that have gone bad, and legal enforcement — notice and settlement first — for debtors who leave no other route. What differs in Mumbai is the forum: Section 9 petitions against Maharashtra-registered companies are heard at the NCLT Mumbai bench. Commercial suits above the pecuniary threshold go to the commercial division of the Bombay High Court; others to the city civil court's commercial courts.
Can you recover from a Mumbai company that has shut down?
Sometimes, and you will know early either way. Our validation step checks each debtor entity at intake, because in Mumbai a company that has gone quiet has often gone dark. If the entity still exists, the question is whether an enforcement route reaches its assets, or whether insolvency does — and for a company registered here that means the NCLT Mumbai bench. If it does not, we say so before you spend anything, because the cost of finding out late is always higher than the cost of being told now.
Where would a Section 9 petition against a Mumbai company actually be heard?
Mumbai is one of the few places in India where the High Court hears commercial suits on its original side. Since the Bombay City Civil Court (Amendment) Act 2023 raised that court's limit to Rs 10 crore, commercial suits at or below Rs 10 crore are heard at the City Civil Court and the High Court's Commercial Division takes what is above it.
We are a registered MSME supplier in Mumbai. 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. Maharashtra runs seven regional councils — Mumbai, Thane, Pune, Nashik, Chhatrapati Sambhajinagar, Nagpur and Amravati — so the reference follows the supplier's region.
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.