Your customers in Chandigarh aren't paying. Where the money is stuck, and how to get it in

By GGA India

Last reviewed: 9 November 2026

Direct answer. A tricity supplier often bills Punjab, Haryana and the UT Administration in the same month, and each Government accepts different papers. Much of the overdue money is expired EMDs, security deposits and guarantees nobody applied to release. GGA's Chandigarh office splits the book by payer and lists every deposit first. Email your deposit list or one unpaid invoice to gg@ggaindia.co.in.

GGA India at a glance

• GGA India Private Limited is a B2B revenue-realization firm, operating since 2002, headquartered in Gurugram.
• 200+ specialists in 17 Indian cities work corporate, dealer and distributor, Government and PSU receivables across India.
• Success commission is based on cash actually received. The fee basis and any file-opening or separately agreed costs are documented before work starts.
• Your customers pay you directly. GGA never receives or holds your money.
• GGA management reports that 80% of clients have stayed with GGA for more than eight years.

GGA in Chandigarh: a local GGA team, part of GGA's 17-city network, with head office at 294 Udyog Vihar Phase IV, Gurugram. To meet the Chandigarh team, contact GGA.

What holds payments up for Chandigarh businesses

Chandigarh is the seat of two states and a Union Territory, so its suppliers face three sets of payment rules at once.

Tricity suppliers sell heavily to Punjab and Haryana departments, boards and corporations, the UT Administration and central institutions. Chandigarh's Industrial Area Phases I and II host light engineering, pharma and auto-component ancillary units; Baddi's pharma hub and Punjab's agriculture sit nearby.

Exhibit 1: Four tricity blockages and the test for each

The pattern behind it. Three Governments, three rule books and one result: revenue sold but not collected. The cause sits outside, in each paying office's document demands, and inside, where expired deposits and guarantees have no one filing for release. GGA's answer is a single Invoice Lifecycle Owner from submission to cash, working the timing and the queue, never the decision; see the Government and PSU approach.

Government, PSU and large buyers in Punjab, Haryana and Chandigarh

Each of the three Governments runs its own treasury, so one tricity file has to be built three ways.

A bill moves through sanction, the drawing and disbursing officer's entry and the paying Government's treasury, each needing the order, delivery or measurement record, inspection certificate and correct GST and entity details. Expired EMDs, security deposits and bank guarantees are released under each tender's terms, so the release papers the contract names must be filed.

The right MSE Facilitation Council depends on where the supplier is registered: Chandigarh has one Council; Haryana has district councils for claims under ₹20 lakh and the State Council at Panchkula above that; Punjab has several, including one at SAS Nagar (Mohali). Claims go through the MSME ODR portal (odr.msme.gov.in). Past the MSMED Act's 45 days from acceptance, compound interest runs at three times the RBI bank rate; each Council has 90 days, and a 75% deposit precedes any challenge. The Punjab and Haryana High Court sits in Chandigarh and hears writs against all three Governments.

What GGA would do

GGA sorts a tricity book by paying Government on day one, because the rules differ by payer.

1. Days 1–3: Split the book by payer. Punjab, Haryana, the UT, central bodies and private buyers. You receive: a register by payer, each invoice tagged to an Exhibit 1 cause or to credit risk.
2. Week 1: List every deposit and guarantee. Each EMD, security deposit and bank guarantee with tender, expiry, release condition and missing certificate. You receive: a register ranked by amount and ease of release.
3. Weeks 2–4: Build each Government's file to its own rules. Supply bills, hospital tender papers and deposit releases, each to that Government's rules. You receive: a status per file, followed desk by desk.
4. Weeks 2–4: Reconcile distributors and dealers. Pharma stockists' schemes, expiry returns and rate differences matched on both sides; agri dealers dated to the harvest. You receive: signed balances and dated plans.
5. Month 2 onwards: Collect and classify. The right Council chosen by your registration. Within six months every overdue tricity rupee is in your bank or classified as at risk or not collectable, with the reason evidenced.

For a pharma client, 85% of expired Government deposits and bank guarantees were released or recovered in six months. Success commission is based on cash actually received. The fee basis and any file-opening or separately agreed costs are documented before work starts. GST extra. A file-opening fee may apply to legacy or Government cases.

What we need from you

A list of deposits with tender numbers is often worth more than the invoice ledger in Chandigarh.

To start

• Ledger and ageing by customer, marked by paying Government where relevant
• A list of EMDs, security deposits and bank guarantees with tender numbers
• The unpaid invoices with supply or work order numbers

To act

• Completion or no-dues certificates
• Bank guarantee copies with expiry and claim dates
• Inspection or satisfaction certificates and quality reports for hospital supplies
• Distributor claim statements for schemes, expiry returns and rate differences
• Udyam registration certificate showing the state of registration

Missing some of these? Send what you have — telling you what is missing is part of the first reply.

How you stay in control

Nothing goes to any of the three Governments in your company's name without your sign-off.

• Your customer pays you directly. GGA never receives or holds your money.
• Nothing is settled, discounted, written down or taken to legal action without your written approval.
• GGA manages the communication with your customers; escalation steps are discussed with you.
• One named GGA owner per account. You see every action: a monthly report to your CEO and CFO, a fortnightly review call, and an immediate flash report when a risk appears.
• Your data stays yours: NDA, need-to-know access, nothing kept by GGA after the engagement, under the DPDP Act 2023.
• Fees are agreed in writing before work starts. The term is six months, reviewed with you every month.
• Punjab, Haryana and UT matters are documentation and approvals only. GGA works the timing and the queue, never the decision. Not a liaison, not a broker.
• Nothing is submitted to a department in your company's name without your sign-off on the document.
• Expiry-return and scheme credits are agreed with a distributor only with your approval.

Send us one unpaid invoice. Email the buyer, distributor or department name, city, amount, invoice date and whatever you have from the 'To start' list to gg@ggaindia.co.in. Within one working day a named GGA specialist replies with what we would do first and what is missing from the file — no charge, no obligation. For a whole book, ask for a complimentary Receivables Position Review.

A different situation? Foreign company owed money by an Indian business → India Desk · Indian exporter owed by an overseas buyer → Global Receivables Desk

Frequently asked questions

We have old EMDs and bank guarantees with Punjab and Haryana departments. Can GGA get them back?

Yes. We list every deposit, find the missing certificate for each, and follow the release.

Do you cover Mohali, Panchkula, Zirakpur and Baddi?

Yes. The Chandigarh team covers the tricity and surrounding industrial belts in the field.

Which MSE Facilitation Council applies to a Mohali or Panchkula supplier?

Where you are registered decides it: Punjab Councils for Mohali, Haryana's district council or the State Council at Panchkula (by claim value) for Panchkula, the Chandigarh Council for the UT.

Our pharma distributor deducts for expiry and schemes. How do you resolve it?

We match claim records on both sides and get each one accepted or reversed. Once one balance is signed, payment follows a dated plan.

Will GGA submit documents to a department in our name without asking?

No. Any document sent in your name goes out only with your sign-off, and you see each action in the fortnightly review.

Sources

• Lok Sabha Unstarred Question 1119 (17 December 2018) — list of MSEFCs
• Legal Framework for MSMEs — Office of the DC (MSME)
• Railway Board joint letter on MSE payments (30 November 2021)

This page summarises the position as at 9 November 2026. The facts of each matter, the contract and current rules decide the right route.