Micro, small or medium? Two numbers decide it, and exports don't count.
Your MSME category is set by investment and turnover together, on the limits in force since April 2025. It decides whether a bank can take collateral from you, whether a guarantee can cover your loan, and whether buyers must pay you within 45 days. Put in your figures and see where you land — and which number put you there.
Your category
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Where each number sits
Each bar runs across the three categories. Crossing a ceiling on either bar moves the whole business up.
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What this category means at the bank
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What the counter does not explain
Investment comes from your income-tax return and turnover from GST and income-tax data, linked through your PAN. Every GST registration under the same PAN is added together. You cannot pick a category — you can only make sure the returns behind it are right.
Cross a ceiling on either number and you move up. You move down only when you are below your current category's ceiling on both numbers. That is the rule this tool applies.
After an upward change, the rules let an enterprise keep the non-tax benefits of its earlier category for three years from the date of the change. A fall to a lower category applies only from the 1st of April after the year it happened.
Retail and wholesale traders can register on Udyam, but the benefit is limited to priority-sector lending. The 45-day payment protection and procurement preferences are for manufacturing and service enterprises.
Most of the protections that matter to a small borrower — no collateral up to ₹20 lakh, CGTMSE cover, the 45-day rule — are for micro and small enterprises only. A medium enterprise is inside the MSME definition and outside most of those.