My MUDRA loan application was rejected by the bank. Can I file RTI with MoMSME or MUDRA to find out why?

No — RTI with MoMSME or MUDRA (Micro Units Development and Refinance Agency) will not yield the rejection basis for your specific loan. MUDRA loans under the Pradhan Mantri Mudra Yojana are disbursed by commercial banks, regional rural banks, microfinance institutions, and NBFCs — not by MUDRA itself. MUDRA's role is to refinance these lending institutions and set the scheme parameters; the actual credit appraisal, sanction, and rejection decision is made entirely by the lending bank or NBFC. As a result, the RTI application for a MUDRA loan rejection must be filed with the nationalized bank or PSU bank that rejected your application — for example, SBI, Punjab National Bank, or Bank of Baroda. If the lending institution is a private bank or NBFC, it is not a public authority under Section 2(h) of the RTI Act and cannot be compelled under RTI. In that case, file a complaint with the Banking Ombudsman (Reserve Bank of India) or under the RBI Integrated Ombudsman Scheme.

I filed a complaint on MSME Samadhaan against a buyer who has not paid me, but nothing has happened. How can RTI to MoMSME help?

The MSME Samadhaan portal at samadhaan.msme.gov.in allows MSMEs to file delayed payment applications against buyers under the MSMED Act, 2006. Once filed, the complaint is supposed to be forwarded to the relevant MSME Facilitation Council for conciliation and, if unresolved, arbitration. If months have passed with no communication, an RTI to MoMSME can establish: (1) whether your complaint was received and registered by the Facilitation Council; (2) whether the Council has issued notice to the buyer or taken cognizance; (3) the date and outcome of any proceedings; and (4) the name of the nodal officer handling the case. This creates an official record that the system has received your complaint and is inert — which you can use to escalate to the concerned MSME Facilitation Council directly, or to approach the High Court for a writ of mandamus requiring the Council to act. Under the MSMED Act, the Council is legally required to act on registered complaints.

My bank filed a CGTMSE claim for the collateral-free loan I defaulted on, and the claim was rejected. Can RTI help my bank — or me — understand why?

CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) is operated by SIDBI and the Government of India and is a public authority under Section 2(h) of the RTI Act. The lending institution (the bank or NBFC) can file an RTI with CGTMSE to obtain: (1) whether the guarantee claim was admitted; (2) if rejected, the specific ground — for example, failure to follow CGTMSE operational guidelines on loan sanction, monitoring, or recovery before lodging the claim; and (3) the provision of the CGTMSE scheme document under which the rejection was made. This information is critical for the bank if it intends to contest the rejection through CGTMSE's internal review mechanism. As the borrowing enterprise, you can also file RTI with CGTMSE to understand whether a claim was filed against your loan account — relevant if your credit bureau record has been adversely affected and you want to trace the sequence of events.

A government ministry is not procuring from MSMEs as required by the 25% mandate. Should I RTI MoMSME or the procuring ministry?

RTI should be filed directly with the procuring ministry, department, or PSU — not MoMSME. The Public Procurement Policy for Micro and Small Enterprises Order, 2012 mandates that all central government ministries, departments, and central public sector enterprises procure at least 25% of their annual purchases from MSEs (with sub-targets for SC/ST entrepreneurs and women-owned MSEs). The procurement decisions, tender records, and vendor selection data are held by the procuring body — MoMSME neither holds nor controls this data. File RTI with the specific ministry or PSU in question and ask for: (1) total procurement value for the relevant financial year; (2) amount and percentage procured from MSEs; (3) the MSE purchase preference clause in each tender; and (4) why the 25% target was not met, if applicable. MoMSME does collect aggregate compliance reports and you can separately RTI MoMSME for the aggregate data — but for a specific tender or a specific ministry's compliance, go to the procuring authority directly.

What if MoMSME, SIDBI, NSIC, or CGTMSE does not respond to my RTI within 30 days?

File a First Appeal under Section 19(1) of the RTI Act with the First Appellate Authority (FAA) at the concerned body within 30 days of the date of decision or expiry of the 30-day response period, whichever is applicable. If the FAA's response is also absent or unsatisfactory, file a Second Appeal with the Central Information Commission (CIC) under Section 19(3) within 90 days. MoMSME, SIDBI, NSIC, and CGTMSE are all Central Government bodies or Central Government-owned entities — the second appeal goes to the CIC in all cases, not to any State Information Commission. You can track your RTI application status and file the first appeal online at rtionline.gov.in. For a Second Appeal to the CIC, file at cic.gov.in.

Home/Guides/How to File RTI with MoMSME, SIDBI or CGTMSE — Udyam Registration, Delayed Payment and MSME Loan Schemes

Central Government

How to File RTI with MoMSME, SIDBI or CGTMSE — Udyam Registration, Delayed Payment and MSME Loan Schemes

Step-by-step guide to file an RTI with the Ministry of MSME, SIDBI, NSIC, or CGTMSE for Udyam Registration validity, MSME Samadhaan delayed payment complaint status, CGTMSE guarantee claim rejection basis, government procurement preference compliance, NSIC registration, and SIDBI direct loan rejection. Includes a ready-to-use sample RTI draft.

Updated 24 May 2026

Quick Facts

MinistryMinistry of Micro, Small and Medium Enterprises

Address RTI ToCPIO, Ministry of Micro, Small and Medium Enterprises, Udyog Bhawan, New Delhi – 110011 / CPIO, SIDBI, Swavalamban Bhawan, C-11, G Block, Bandra Kurla Complex, Mumbai – 400051 / CPIO, NSIC, NSIC Bhawan, Okhla Industrial Estate, New Delhi – 110020

Application Fee₹10 under RTI (Regulation of Fee and Cost) Rules, 2005. Free for BPL cardholders.

Response Time30 days from receipt (Section 7(1), RTI Act 2005). 48 hours if the matter involves life or liberty.

File Online Athttps://rtionline.gov.in

All information on this page is based on the Right to Information Act, 2005 (Act No. 22 of 2005) and the RTI (Regulation of Fee and Cost) Rules, 2005. First Appeal: Section 19(1). Second Appeal to CIC/SIC: Section 19(3).

The Ministry of Micro, Small and Medium Enterprises (MoMSME) oversees MSME policy, the Udyam Registration portal, the MSME Samadhaan delayed payment mechanism, and procurement preference for MSEs. Within the ecosystem, SIDBI (Small Industries Development Bank of India, under the Ministry of Finance) refinances banks and NBFCs for MSME lending and also extends direct finance; CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises, jointly operated by SIDBI and the Government of India) provides collateral-free loan guarantees; and NSIC (National Small Industries Corporation, under MoMSME) manages the Single Point Registration Scheme for government purchase preference, raw material assistance, and technology support programmes.

All these bodies are public authorities under Section 2(h) of the RTI Act, 2005. MSMEs facing delayed Udyam Registration decisions, stalled Samadhaan complaints, unexplained CGTMSE claim rejections, or non-compliance with the procurement preference mandate can use RTI to create an official paper trail and force accountability.

MSME Ecosystem: Which Body to RTI

Body	What it does	RTI Use Case	Filing Portal	Second Appeal
MoMSME	MSME policy, Udyam Registration, Samadhaan portal, procurement preference	Udyam classification, Samadhaan complaint status, procurement compliance	rtionline.gov.in	CIC
SIDBI	Refinancing of banks/NBFCs for MSME loans; direct loans for equipment/infrastructure	Direct loan application status or rejection basis	rtionline.gov.in	CIC
CGTMSE	Collateral-free loan guarantee for MSEs; claim processing	Guarantee claim status or rejection ground	rtionline.gov.in	CIC
NSIC	Single Point Registration for government purchase preference; raw material assistance	Registration status for government procurement scheme	rtionline.gov.in	CIC
State DICs	District Industries Centres — state government MSME schemes	State subsidy or scheme status	State RTI portal	State Information Commission

Note: State DIC matters fall under the respective State Government and must be pursued through the State Information Commission, not the CIC.

Key RTI Use Cases

Issue	What to Ask	Realistic Expectation
Udyam Registration validity or wrong classification	Whether registration number is active; MSME category and turnover/investment figures recorded	MoMSME should confirm status; classification disputes may need a separate rectification application
MSME Samadhaan complaint stuck	Whether Facilitation Council took cognizance; date of last proceeding; whether notice was issued to buyer	Establishes whether the system received and acted on the complaint; useful for court escalation
CGTMSE claim rejected	Ground for rejection; scheme provision cited; stage-wise processing timeline	CGTMSE must state the specific operational guideline reason; basis for a review application
Government procurement preference non-compliance	Procurement value from MSEs as % of total; whether MSE clause was in specific tender	Procurement data is held by the procuring ministry — RTI to that ministry, not MoMSME
NSIC registration status	Whether Single Point Registration is current and valid	NSIC confirms status; if lapsed, reason and renewal procedure
SIDBI direct loan delay or rejection	Date of receipt of application; stage of appraisal; reason for delay or rejection	SIDBI must provide the specific policy ground for rejection

A Note on MUDRA Loans

MUDRA (Micro Units Development and Refinance Agency) loans under the Pradhan Mantri Mudra Yojana are not disbursed by MUDRA — they are disbursed by commercial banks, regional rural banks, microfinance institutions, and NBFCs. MUDRA's role is to refinance these institutions and set scheme parameters.

If your MUDRA loan was rejected, RTI with MoMSME or MUDRA will not yield the rejection basis. The credit decision — appraisal, sanction, and rejection — belongs to the lending bank or NBFC. You must:

File RTI with the specific nationalized or PSU bank that rejected your application (e.g., State Bank of India, Punjab National Bank, Canara Bank) — they are public authorities under Section 2(h)
If the lender is a private bank or NBFC, it is not covered by the RTI Act; file a complaint through the RBI Integrated Ombudsman Scheme at rbi.org.in instead

Where to File

All four Central bodies (MoMSME, SIDBI, NSIC, CGTMSE) can be reached through rtionline.gov.in:

For MoMSME (Udyam Registration, Samadhaan, procurement):

Go to rtionline.gov.in and log in / register
Select Ministry of Micro, Small and Medium Enterprises
Choose the relevant department or office handling your matter
Draft your application with your Udyam number, Samadhaan complaint reference, or tender details
Pay ₹10 online. BPL cardholders are exempt
Submit and note your registration number

For SIDBI (direct loans, CGTMSE claims):

Select Ministry of Finance → Small Industries Development Bank of India (SIDBI)
Include your loan application / account number and the specific query
For CGTMSE claims, include the lending institution's name and loan account number
Pay ₹10 online and submit

For NSIC:

Select Ministry of Micro, Small and Medium Enterprises → National Small Industries Corporation (NSIC)
Include your NSIC registration number and the specific query
Pay ₹10 online and submit

What Specific Information Can You Ask For?

Udyam Registration:

Whether Udyam Registration number UDYAM-XX-00-XXXXXXX in the name of Enterprise Name is active and valid
The MSME category (Micro / Small / Medium) recorded against the above registration, along with the investment and turnover figures used for classification
Whether any modification, cancellation, or suspension has been effected — date, reason, and authority

MSME Samadhaan delayed payment complaint: 4. Whether complaint reference XXX filed by Enterprise Name against Buyer Name has been registered with and accepted by the MSME Facilitation Council 5. Current status — cognizance, notice to buyer, conciliation stage, or arbitration referral; date of last proceeding 6. Name and contact details of the Facilitation Council nodal officer handling the complaint

CGTMSE guarantee claim: 7. Whether a CGTMSE claim was filed by Lending Institution for loan account XXX — current status (admitted / paid / rejected / pending) 8. If rejected: the specific ground and the CGTMSE operational guideline provision cited

Government procurement preference: 9. Total procurement by Ministry/Dept/PSU in FY YYYY–YY; the proportion from MSEs; and whether the 25% mandate under the Public Procurement Policy for MSEs Order, 2012 was met 10. Whether tender reference number issued by Ministry/Dept/PSU included the mandatory MSE purchase preference clause

NSIC registration: 11. Whether NSIC registration number XXX of Enterprise Name is current and valid; if lapsed or cancelled — the date and reason

SIDBI direct loan: 12. Date of receipt of loan application reference number submitted by Enterprise Name and the current stage of appraisal 13. Reason for delay beyond standard processing timeline, or the specific policy ground if the application has been rejected

Appeals

First Appeal (Section 19(1)): File with the First Appellate Authority (FAA) at the concerned body — MoMSME, SIDBI, NSIC, or CGTMSE — within 30 days of the date of decision or expiry of the 30-day response period, whichever is applicable. You can file the First Appeal online at rtionline.gov.in using your registration number.

Second Appeal (Section 19(3)): File with the Central Information Commission (CIC) within 90 days. MoMSME, SIDBI, NSIC, and CGTMSE are all Central Government bodies or Central Government-established entities — the second appeal goes to the CIC in every case. File at cic.gov.in. The CIC may impose a penalty of up to ₹25,000 on the PIO under Section 20 of the RTI Act for wilful non-compliance.

Sample RTI Application Draft

To,
The Central Public Information Officer (CPIO),
[Ministry of Micro, Small and Medium Enterprises, Udyog Bhawan, New Delhi – 110011
 OR SIDBI, Swavalamban Bhawan, C-11, G Block, Bandra Kurla Complex, Mumbai – 400051
 OR NSIC, NSIC Bhawan, Okhla Industrial Estate, New Delhi – 110020
 — choose the body relevant to your query]

Subject: Application under the Right to Information Act, 2005 — Udyam Registration / MSME Samadhaan Complaint Status / CGTMSE Claim / Government Procurement Preference / NSIC Registration / SIDBI Loan

Sir/Madam,

I, [Your Full Name], [Proprietor / Partner / Director] of [Enterprise Name], residing / having registered office at [Your Full Address], submit this application under Section 6 of the Right to Information Act, 2005, to seek the following information:

Enterprise / Application details (as applicable):
  Enterprise Name: [Name of the MSME enterprise]
  Udyam Registration Number: [UDYAM-XX-00-XXXXXXX, if applicable]
  PAN of Enterprise / Proprietor: [PAN]
  MSME Samadhaan Reference / Case Number: [if applicable]
  CGTMSE / Loan Account details: [Lending institution name, loan account number, sanction date — if applicable]
  NSIC Registration Number: [if applicable]
  SIDBI Application / Loan Reference Number: [if applicable]

Information sought:

Use Case 1 — Udyam Registration validity and classification:
1. Whether the Udyam Registration bearing number [UDYAM-XX-00-XXXXXXX] in the name of [Enterprise Name] is currently active and valid as per the records of the Udyam Registration portal maintained by the Ministry of MSME.
2. The MSME category (Micro / Small / Medium) assigned to the above enterprise at the time of registration, along with the investment in plant and machinery / equipment and the annual turnover figures recorded against this registration.
3. Whether any modification, cancellation, or suspension of the above Udyam Registration has been effected — and if so, the date, reason, and authority that ordered the change.

Use Case 2 — MSME Samadhaan delayed payment complaint:
4. Whether the delayed payment complaint filed under the Micro, Small and Medium Enterprises Development Act, 2006 (MSMED Act), bearing Reference/Case Number [XXX], filed by [Enterprise Name] against [Buyer Name], has been registered and accepted by the concerned MSME Facilitation Council.
5. The current status of the above complaint — specifically:
   (a) Whether the Facilitation Council has taken cognizance of the complaint and issued notice to the buyer;
   (b) The date of the last hearing or proceeding, if any;
   (c) Whether conciliation proceedings have been initiated, concluded, or referred to arbitration;
   (d) If disposed — the outcome and date of the order.
6. The name and contact details of the MSME Facilitation Council (and the nodal officer) presently handling the above complaint.

Use Case 3 — CGTMSE guarantee claim:
7. Whether a guarantee claim was filed with the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) by [Lending Institution Name] against loan account number [XXX] for which the borrower enterprise was [Enterprise Name].
8. The current status of the above CGTMSE claim — whether it has been admitted, paid out, rejected, or is pending — and the date of each stage, as per CGTMSE's records.
9. If the claim was rejected or partially admitted, the specific ground(s) for rejection or reduction, and the provision of the CGTMSE scheme document / operational guidelines under which the rejection was made.

Use Case 4 — Government procurement preference compliance:
10. The procurement data for [Ministry / Department / PSU Name] for the financial year [YYYY–YY]: the total value of goods and services procured, the percentage procured from Micro and Small Enterprises (MSEs) registered under Udyam, and whether the 25% procurement target mandated under the Public Procurement Policy for Micro and Small Enterprises Order, 2012 (as amended) was met.
11. Whether any tender issued by [Ministry / Department / PSU Name] under tender reference number [XXX] included the mandatory MSE purchase preference clause — and if not, the reason for its omission.

Use Case 5 — NSIC registration:
12. Whether the NSIC registration of [Enterprise Name] bearing NSIC Registration Number [XXX] (Single Point Registration Scheme / Raw Material Assistance) is current and valid as on the date of this application.
13. If the registration has lapsed, been cancelled, or is under review — the date, reason, and the officer who initiated the cancellation or review.

Use Case 6 — SIDBI direct loan application:
14. Whether a loan / financial assistance application submitted by [Enterprise Name] to SIDBI bearing reference / application number [XXX], submitted on [DD/MM/YYYY], has been received and taken up for appraisal by SIDBI.
15. The current stage of processing of the above application and the reason for any delay beyond the standard processing timeline applicable to this category of loan.
16. If the application has been rejected, the specific ground(s) for rejection and the SIDBI internal guideline / policy provision under which the rejection decision was taken.

I am enclosing the application fee of Rs. 10 [via online payment; Reference No.: [Payment Ref]].

I request the above information within 30 days as required under Section 7(1) of the RTI Act, 2005.

Yours sincerely,

[Your Full Name]
[Your Complete Address]
Phone: [Your 10-digit Mobile Number]
Email: [[email protected]]
Date: [DD/MM/YYYY]

Replace all text in [square brackets] with your actual details before filing. Do not include the brackets in your submission.

Frequently Asked Questions

Rather have us file it for you?

We research your case, identify the right department, draft the RTI with proven language, and file it on your behalf. Pay ₹149 + GST only after we've done the work.

File RTI — it's free to start