What is the delay costing you?
Cost of waiting = amount × (rate ÷ 100) × (delay days ÷ 365). Legal claim uses 3× the RBI bank rate (~22.5%); TReDS discounting is taken at ~8%.
What the delay is costing you
₹49,315
₹20,00,000 stuck for 60 days at 15% — money you are lending your buyer for free.
What you can legally claim
₹73,973
Via MSME Samadhaan, interest at 3× the RBI bank rate (~22.5%).
Cost to get paid now
₹26,301
Via TReDS invoice discounting at about 8%.
Side by side
Cost of waiting₹49,315
Legally claimable interest₹73,973
Cost of TReDS discounting₹26,301
Waiting is the most expensive option — you are owed about ₹73,973 but losing about ₹49,315 a year by waiting. TReDS can unlock the cash now for about ₹26,301.