Your customers in Pune aren't paying. Where the money is stuck, and how to get it in
Direct answer. In Pune's Chakan, Bhosari and Ranjangaon belts, the unpaid money is usually the last 10–20% of a machine or automation order, held for a commissioning certificate an engineer never signed, or a component lot awaiting joint inspection. Name the missing document and today's signatory. GGA's Pune team works the plants in person to get it.
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 Pune: a local GGA team, part of GGA's 17-city network, with head office at 294 Udyog Vihar Phase IV, Gurugram. To meet the Pune team, contact GGA.
What holds payments up for Pune businesses
Pune money is rarely lost; it is held by an engineering document the buyer's project, quality or purchase team must issue.
Vehicle, tractor and engine plants and a deep tier of machining, forging, casting and automation suppliers run along the Chakan, Bhosari, Ranjangaon and Talegaon MIDC estates. Machine builders and integrators bill in stages: supply, erection, commissioning, performance acceptance. Supply is paid. The tail is not.
Exhibit 1: Four causes of Pune payment delay, and the test for each
| Cause | Diagnostic test | Reason type |
|---|---|---|
| Unsigned commissioning | If supply was paid but the last 10–20% waits and the project engineer has moved to another plant expansion, the certificate or punch list is the block | Process-blocked |
| Rejected lot | If a debit note for rejection holds later payments and no joint inspection has been held, quality must act first | Disputed |
| Metal price arrears | If steel or aluminium moved, purchase accepted a revision and no amendment order was issued, accounts cannot pay | Process-blocked |
| AMC, spares and service tail | If invoices are small, numerous and older than the main order, nobody owns them | Promise-led |
When the engineer moves on, retention can stay open for years. We don't touch the money your sales team sells. We collect the money nobody owns.
The pattern behind it. The unpaid tail of a staged order is revenue sold but not collected: the certificate or amendment order sits with the buyer, while on your side nobody is assigned to the paperwork once the machine is running. GGA becomes the Invoice Lifecycle Owner, carrying each stage bill from submission to cash; the corporate page explains the method.
Government, PSU and large buyers in Maharashtra
Pune's public buyers pay engineering supplies only after inspection and technical acceptance, and deposits outlive the warranty.
Pune suppliers serve defence establishments and ordnance units around the city, the Pune and Pimpri-Chinchwad municipal corporations, the metro project, Maharashtra's power utilities and the irrigation and public works departments. Each bill clears inspection, receipt and technical acceptance before reaching accounts. The usual holds: an inspection report not uploaded, a deviation awaiting approval, or a security deposit and performance guarantee unreleased after the warranty ends.
Micro and small suppliers can apply to the Maharashtra MSE Facilitation Council with jurisdiction through the MSME ODR portal. The MSMED Act requires payment within 45 days of acceptance, with compound interest at three times the RBI bank rate; a buyer challenging an award must first deposit 75% of it. A commercial suit without urgent interim relief must first go through pre-institution mediation under Section 12A of the Commercial Courts Act, before the district commercial court.
What GGA would do
The Pune team starts from the milestone schedule, because the unpaid amount always maps to one missing signature.
- Days 1–3: Map each order against supply, erection, commissioning and performance acceptance, and each component account against rejected lots and price arrears. You receive every unpaid milestone and the one document holding it, tagged process-blocked, disputed, promise-led or genuine credit risk.
- Week 1: Find who signs today: the current punch-list owner where the engineer has moved, or the quality head for a joint inspection. You receive a named signatory for each missing certificate, inspection report or amendment order.
- Weeks 2–4: Close the punch list with your service team, book the joint inspection, and put the price claim with its steel or aluminium index workings to purchase. You receive signed documents as they arrive and a weekly tracker of bills moved to accounts.
- Month 2 onwards: Follow released bills to payment; work AMC, spares and service invoices and expired warranty guarantees to release. By month six, each overdue Pune rupee is banked or classified as at risk or not collectable, with evidence.
For a process-automation client, invoices paid by due date rose from 35% to 85% and DSO fell 29%. On the fee scale, a commissioning retention 18 months past due when work starts is billed at 10% of the cash you receive; age is locked on the start date. GST extra.
What we need from you
The purchase order's milestone clause and your last exchange with the customer's engineer are enough to start.
To start
- Purchase order with its payment-milestone and retention clauses
- Invoices raised and amounts received against each milestone
- The last correspondence with the customer's project engineer or purchase team
- Whether the open item is retention, a rejected lot, price arrears or AMC and spares
To act
- Dispatch documents and installation or erection report
- Open punch list, and any commissioning or performance-test records
- Rejection notes and debit notes for disputed lots, with your inspection data
- Bank guarantee copy and warranty start date, where a guarantee is held
Missing some of these? Send what you have. Telling you what is missing is part of the first reply.
How you stay in control
Your engineers decide what is fixed on the punch list; GGA arranges the visit and the paperwork.
- 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 through 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 and nothing kept by GGA after the engagement, in line with the DPDP Act 2023.
- Fees are agreed in writing before work starts. The term is six months, reviewed with you every month.
- Technical closure stays with your engineers.
- Government and defence matters are documentation and approvals only. GGA works the timing and the queue, never the decision.
Send us one unpaid invoice. Email the debtor 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
Pune suppliers ask about old commissioning retention, warranty guarantees and the mediation step.
Our commissioning retention in Chakan is two years old. Is it worth chasing?
Yes. It is usually process-blocked, not refused; the fix is a signed commissioning or performance certificate. GGA's benchmark collects 40–45% of invoices aged one to two years, and retention with clean paperwork tends to do better.
Can you help with warranty bank guarantees still held by a customer?
Yes. We check the release condition in the order, assemble proof the warranty has ended, and follow the release through the buyer's commercial and finance teams.
Which MSE Facilitation Council covers Pune?
The Maharashtra council with jurisdiction over your unit. File online on the MSME ODR portal (odr.msme.gov.in), which routes the claim.
Do we have to mediate before suing a Pune buyer?
For a commercial suit without urgent interim relief, yes. Section 12A requires pre-institution mediation, completed within three months, extendable by two.
What do you need to look at one unpaid commissioning milestone?
The purchase order with its milestone and retention clauses, what you have invoiced and received, and your last exchange with the customer's engineer. The first reply usually names the missing document and who should sign it.
Sources
The council, MSMED and Section 12A points above trace to these sources.
- MSMED Act 2006 — legal framework (Development Commissioner, MSME)
- Lok Sabha Unstarred Question 1119, 17 Dec 2018 — MSEFCs by state
- Pre-institution mediation under Section 12A (iPleaders)
This page summarises the position as at 9 November 2026. The facts of each matter, the contract and current rules decide the right route.