An MSME certificate serves as official proof that a business is registered under the Micro, Small, and Medium Enterprises category. It is often required to access government schemes, apply for loans, participate in tenders, or claim benefits available to registered MSMEs.
Once a business completes MSME registration on the Udyam portal, the certificate can be downloaded online without visiting any office. The process is straightforward, provided the correct details are available. This guide explains how to download the MSME certificate online and what to keep in mind while doing so.
Step-by-step guide to download the MSME certificate
You can download your Udyam Registration Certificate online by following the steps below.
Step 1: Visit the Udyam registration portal
Open your web browser and go to the official Udyam Registration website:
https://udyamregistration.gov.in
Step 2: Go to the Print/Verify option
On the homepage, locate the Print/Verify option in the top menu.
Click on it and select Print Udyam Certificate from the dropdown list.
Step 3: Enter your registration details
You will be taken to a new page where you need to enter the following details:
- Your 16-digit Udyam Registration Number
- The mobile number registered during Udyam registration
Ensure that the details entered match the information provided at the time of registration.
Step 4: Generate and validate the OTP
Choose the option to receive the OTP on your registered mobile number. Click on Validate and Generate OTP to proceed.
Step 5: Enter the OTP
An OTP will be sent to your registered mobile number via SMS. Enter the OTP in the given field and click on Validate OTP and Print.
Step 6: Download the MSME certificate
Once the OTP is validated, your Udyam Registration Certificate will appear on the screen.
Review the details carefully to confirm they are accurate.
You will have the option to print the certificate or print it along with the annexure. The annexure includes additional information about your enterprise and is usually required for official purposes. Download the certificate as a PDF and store it securely for future use.
You have now completed the MSME certificate download process successfully.
Who can download the MSME certificate
Any business that has completed registration on the Udyam Registration portal can download its MSME certificate. This applies to proprietorships, partnership firms, companies, LLPs, and other entities that are recognised as MSMEs under the Udyam framework.
The certificate can be accessed online by the business owner or an authorised person using the details provided at the time of registration.
Benefits of the MSME certificate
Every eligible business should have an MSME certificate and keep a copy readily available. The certificate acts as official proof of MSME registration and is often required while applying for government schemes, loans, subsidies, tenders, or other business benefits. Downloading and storing the certificate ensures that these opportunities are not delayed due to missing documentation.
Access to low-interest loans
Many MSMEs face funding constraints, especially during early stages or periods of expansion. An MSME certificate helps businesses access loans at comparatively lower interest rates through banks and financial institutions.
Under schemes such as the Credit Guarantee Trust Fund for Micro and Small Enterprises, eligible MSMEs can apply for collateral-free loans. This reduces the financial burden on small businesses and allows them to focus on operations, growth initiatives, and new projects without excessive repayment pressure.
Tax-related benefits
MSME registration also brings certain tax-related advantages under applicable laws and policies. These benefits help reduce financial strain and allow businesses to reinvest savings into operations.
One such benefit includes an extended carry-forward period for Minimum Alternate Tax credits for eligible companies. Certain exemptions and incentives offered from time to time also support MSMEs in managing their tax liabilities more efficiently.
Preference in government tenders
Registered MSMEs receive preference in public procurement and government tenders at both the central and state levels. In many cases, MSME registration is mandatory to participate in these tenders.
Government departments often provide relaxations such as exemption from the Earnest Money Deposit requirements for eligible MSMEs. This reduces upfront costs and enables smaller businesses to compete for contracts alongside larger organisations.
Support for international trade
An MSME certificate also supports businesses that are involved in exports. Registered MSMEs can access export credit at favourable interest rates and benefit from schemes that reduce risks associated with international trade.
Institutions such as the Export Credit Guarantee Corporation provide insurance cover against non-payment by overseas buyers. This support allows MSMEs to explore international markets with greater confidence and financial security.
Protection against delayed payments
Delayed payments from buyers can significantly affect the cash flow of small businesses. Under the MSME Development Act, registered MSMEs are entitled to protection against delayed payments.
Buyers are required to make payments within the prescribed time limit, usually not exceeding 45 days. This provision helps improve cash flow predictability and supports operational stability for MSMEs.
Access to government schemes and subsidies
One of the key benefits of holding an MSME certificate is eligibility for various government schemes and subsidies. These schemes aim to improve access to finance, encourage innovation, and support industrial development.
For instance, schemes such as the Credit Guarantee Fund Scheme for Micro and Small Enterprises allow eligible businesses to apply for loans without providing collateral. Patent-related subsidies help reduce the cost of filing and protecting intellectual property, making it easier for MSMEs to innovate. Industrial promotion schemes also support businesses that are looking to expand or upgrade their operations.
Conclusion
An MSME certificate is an essential document for eligible businesses in India. It serves as official proof of MSME registration and is commonly required when applying for government schemes, loans, subsidies, tenders, or other business benefits.
Since the process is fully online and straightforward, businesses should download the MSME certificate and store it securely for future use. Having quick access to this document helps avoid delays during applications, verifications, or compliance checks.
Keeping business records organised also plays an important role in managing such requirements. When accounting, invoicing, and statutory information are maintained in an orderly manner, retrieving documents becomes easier. Solutions like TallyPrime support this by helping businesses manage their financial and compliance records in one place, making it simpler to stay prepared as the business grows.
