Quick steps to download MSME registration certificate

If you operate a small, micro, or medium-sized enterprise in India, you can register with the government and obtain a certificate known as the Udyam certificate or MSME certificate.
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2 min
Sep 28, 2026

MSME refers to micro, small, and medium enterprises, which play a vital role in the Indian economy. To support and promote these enterprises, the government has introduced various schemes and incentives, and one of these is the MSME certificate. In this article, we will provide a comprehensive guide on how to download MSME certificate and its significance for business owners, including its role in getting a business loan.

In summary

MSME certificate download refers to obtaining the Udyam Registration Certificate online through the official portal. Udyam registration is free of cost and the certificate is issued online after registration.

  • The Udyam Registration Certificate is the MSME certificate issued by the Ministry of MSME; the Udyam Registration Certificate download process uses the permanent Udyam Registration Number and OTP verification.
  • Businesses can download MSME Certificate details online using their Udyam Registration Number and registered mobile number, with OTP verification available through mobile or email.
  • Current MSME classification limits are Rs. 2.5 crore investment and Rs. 10 crore turnover for micro enterprises; Rs. 25 crore and Rs. 100 crore for small enterprises; and Rs. 125 crore and Rs. 500 crore for medium enterprises.
  • Udyam Registration is paperless, self-declaration based, free of cost, and does not require renewal. The certificate is issued online with a dynamic QR code.
  • The Udyam Registration Certificate can support MSMEs in accessing government schemes and benefits, subject to the applicable scheme conditions and eligibility.

Eligible businesses can check their Bajaj Finance Business Loan offer and assess their funding requirements based on applicable eligibility and lending terms.

What is the MSME certificate?

The MSME certificate, also known as the Udyam certificate, is issued by the Ministry of Micro, Small and Medium Enterprises to officially recognise eligible micro, small, and medium enterprises registered under the Udyam Registration system. The MSME certificate is also called the Udyam Registration Certificate and carries a unique 16-digit Udyam registration number (format: UDYAM-XX-00-0000000). It replaces the older Udyog Aadhaar Memorandum (UAM) system and is issued instantly upon successful registration. This certificate helps businesses access government schemes, credit facilities, and other MSME benefits. To learn how to download MSME certificate, follow the steps mentioned below. Bajaj Finance also offers business loan solutions to help MSMEs fund growth and expansion.

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What are the benefits of the MSME registration certificate?

The MSME certificate provides three key benefits: improved access to credit, government procurement opportunities, and protection against delayed payments under applicable MSME laws.

Benefit

What it means

Best for

Collateral-free loans (CGTMSE)

Eligible enterprises can access credit without pledging collateral, subject to scheme and lender conditions.

Micro and small enterprises

Priority in government tenders

MSMEs can benefit from applicable public procurement preferences and reserved opportunities.

All MSME categories

Subsidies and grants

Eligible businesses can access financial support for operations, technology, and development.

Micro enterprises

Tax exemptions and rebates

Eligible schemes may reduce the tax burden and allow businesses to retain savings.

All MSME categories

Protection from delayed payments

Eligible micro and small enterprises can seek remedies when payments exceed 45 days under the MSMED Act.

Micro and small enterprises

Free ISO certification reimbursement

Eligible MSMEs may claim reimbursement under applicable government schemes.

Export-focused MSMEs

Easier credit access

MSMEs may receive priority lending under applicable banking and government policies.

All MSME categories

Skill development access

Government schemes can support workforce training and capability development.

Medium enterprises


The MSME registration certificate can be accessed through the Udyam Registration Certificate download facility, enabling registered businesses to use applicable benefits. Eligible businesses can also check a Bajaj Finance Business Loan offer based on their funding requirements and applicable eligibility criteria.

Eligibility criteria for MSME registration

MSME registration has three tiers based on investment in plant and machinery or equipment and annual turnover, with separate limits for micro, small, and medium enterprises.

Enterprise type

Max investment in plant and machinery

Max annual turnover

Micro

Rs. 1 crore

Rs. 5 crore

Small

Rs. 10 crore

Rs. 50 crore

Medium

Rs. 50 crore

Rs. 250 crore


Individuals cannot apply for MSME registration; eligible entities include proprietorships, partnership firms, companies, trusts, and societies, which can complete the process through the MSME certificate online portal.

Documents required for MSME registration

You need key documents to apply for an MSME certificate, including identity, business, and investment-related records.

Document

Purpose or who requires it

Aadhaar card

Applicant identity verification

PAN card

Business entity tax identification

Business address proof

Location verification

Partnership Deed (if applicable)

Legal structure proof

MoA and AoA

Corporate entity structure

Machinery purchase bills

Investment value calculation

Raw material purchase bills

Business activity proof

Installed machinery bills

Investment verification


Udyam registration is largely self-declaration based — no document upload is required at registration, but records should be maintained for future verification.

How to download the MSME certificate?

To download your MSME certificate using your Udyam registration number, follow these 11 steps; the MSME certificate download process is free and can typically be completed in under 10 minutes. The certificate confirms your MSME registration, and the Udyam Registration Number follows the format UDYAM-XX-00-0000000.

  • Visit the Udyam registration portal.
  • Select the option to print or verify your Udyam Registration Certificate.
  • Enter your 19-character Udyam Registration Number.
  • Enter the mobile number registered with your MSME registration.
  • Choose whether to receive the OTP on your registered mobile or email.
  • Enter the OTP received on your selected contact method.
  • Complete the verification or captcha shown on the portal.
  • Submit the details to access your registered enterprise information.
  • Check the displayed MSME registration certificate details for accuracy.
  • Select the print or download option to save your certificate.
  • Save the certificate as a PDF and take screenshots for digital records; keep your registered mobile number and email available for future re-downloads.

Example

Priya, a 35-year-old proprietor of a garment unit in Surat, needed her MSME certificate for a business loan application. She used her Udyam number and OTP to access the certificate, saved a PDF copy, and retained screenshots for future use.

For eligible MSMEs, complete the OTP-based process to check a Bajaj Finance Business Loan offer based on applicable eligibility and lending terms.

Points to consider before downloading your MSME certificate

Before starting an Udyam Certificate download online, complete five readiness checks to ensure your MSME certificate download proceeds without avoidable delays:

  • Verify eligibility: Confirm that your business meets the applicable MSME classification criteria.
  • Complete the application: Ensure your Udyam registration details and application form are complete and accurate.
  • Use the official portal: Access only the government portal at the Udyam registration portal; avoid third-party websites that may charge fees.
  • Choose your OTP method: Keep the registered mobile number or email available for OTP verification.
  • Select the download format: Once verified, choose PDF or print format and save a copy for future use. The government Udyam registration process is free of cost.

Steps to download MSME certificate without Udyam registration

If your business is not registered under Udyam, you may have used the earlier MSME registration process. Here’s how to download your certificate:

Step 1: Visit the MSME Registration Portal
Go to the old MSME registration website at msme.gov.in.
If your business was registered before the Udyam system, you can still access and download your certificate from this portal.

Step 2: Enter Your Registration Details
Enter your MSME registration number and other required information.
Check that the details are correct, and your certificate will be available to download.

Steps for downloading an MSME certificate for first-time users

If you are registering for the first time, here’s how to download your MSME certificate:

  1. Register for MSME: Complete your Udyam registration by entering business details such as PAN, GST number, and other required information.
  2. Log in to the Udyam Portal: Once registration is complete, access the Udyam portal using your login credentials.
  3. Download Your Certificate: Go to the certificate section and select the download option.
  4. Save the Certificate: Your MSME certificate will be downloaded in PDF format for your records.

What is the significance of the MSME certificate?

Some of the benefits of having an MSME certificate include:

  • Access to government schemes and incentives: MSMEs get eligibility for subsidies, tax exemptions, and credit guarantee schemes that provide financial support.
  • Support in getting future financing: Recognition helps in securing business loans by improving credibility with lenders, clients, and partners.
  • Free ISO certification: Registered MSMEs can claim reimbursement for ISO certification costs, ensuring international quality compliance and better market opportunities.
  • Collateral-free loans: Schemes like CGTMSE allow MSMEs to access loans without pledging personal or business assets, helping them scale safely.
  • Expanded tax benefits: Udyam-registered businesses enjoy exemptions and rebates, lowering tax burdens and enabling reinvestment into growth and technology.
  • Protection from delayed payments: MSMEs are safeguarded under the MSMED Act, allowing legal action if payments are delayed beyond 45 days, ensuring steady cash flow.

The MSME certificate is a crucial document for small businesses and enterprises. The process for downloading the certificate is simple and can be completed online. Having an MSME certificate provides various benefits and opportunities for small businesses and enterprises, including access to government schemes and incentives, easier access to loans, and enhanced visibility. If you are a small business owner or an entrepreneur, make sure to get your MSME certificate to take advantage of these benefits and grow your business.

Udyam registration vs. MSME certificate

Udyam registration and an MSME certificate refer to the same current MSME recognition, with the official document called the Udyam Registration Certificate.

Name

What it refers to

Current status

MSME certificate

Broad term for the official MSME recognition document

Commonly used informal term

Udyam Registration Certificate

Official certificate issued after Udyam registration

Current and valid; issued through the Udyam registration portal

Udyog Aadhaar certificate

Pre-2020 document under the Udyog Aadhaar system

Replaced by Udyam; existing UAM holders must re-register


Businesses can use the Udyam Certificate download online facility to access their current Udyam Registration Certificate.

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Frequently asked questions

How can I download an MSME certificate?

To download your MSME certificate, follow these steps:

  1.    Visit https://udyamregistration.gov.in.
  2. Click on the "Print Udyam certificate" option under the print/verify menu.
  3. Log in using your 16-digit Udyam registration number and mobile number.
  4. Choose OTP delivery method and validate OTP.
  5. Once logged in, click on "print" or "print with annexure" to download your certificate.
How to check MSME certificate of a supplier by PAN number?

If the MSME number is not on the invoice, you can check if the supplier is registered under MSME through PAN number on the official MSME portal at https://udyamregistration.gov.in/.

How to get an MSME certificate online?

You can obtain your MSME certificate online by registering on the Udyam registration portal (https://udyamregistration.gov.in), providing necessary details, and completing the application process. Once approved, you can download your certificate from the portal.

How to download an MSME certificate through PAN number?

While there's no direct method to download MSME certificate using PAN, you can visit the Udyam registration portal, log in using your Udyam registration number and mobile number, and download your certificate from there.

What is the significance of the MSME certificate?

The MSME certificate holds significant importance for small businesses and enterprises. It provides access to government schemes, incentives, easier loan access, and enhances business visibility and credibility, thereby facilitating growth and development.

Can we have two MSME certificates?

No, you cannot have two MSME certificates for the same business. Each business is given a unique identification number under Udyam Registration, and only one certificate is issued per entity.

Is the MSME certificate valid?

Yes, the MSME certificate remains valid as long as the business continues to operate. However, a provisional MSME certificate is valid only for up to five years.

Is it mandatory to download your MSME certificate?

No, MSME certificate download is not legally mandatory after registration, but keeping a copy is highly recommended for accessing business benefits. For example, the certificate is practically required when applying for formal funding options such as a Bajaj Finance Business Loan or other business credit facilities. It is also useful while claiming benefits under schemes such as CGTMSE and government support programmes. To maintain easy access to your registration proof, you can download MSME certificate from the official Udyam portal whenever required.

How long does it take to download an MSME registration certificate?

MSME certificate download usually takes under 5 minutes once you have your Udyam registration number and mobile OTP ready. The Udyam registration certificate can be accessed online by verifying your registered details on the official portal. Keeping the certificate saved helps you quickly provide MSME proof whenever required for business purposes.

Can I download my MSME certificate using my email ID?

Yes, MSME certificate download can be completed using email OTP through the Udyam portal as an alternative to mobile OTP. The email ID must be the one registered during your Udyam registration application. Enter your registration details, select email OTP verification, complete the OTP step, and access your certificate online.

How can I verify the authenticity of my downloaded MSME certificate?

You can verify your MSME certificate authenticity through the Udyam portal's "Verify Udyam Registration" tool using your 16-digit Udyam registration number. Visit udyamregistration.gov.in, enter the required details, and confirm the certificate information displayed online. This helps ensure that your Udyam registration details are genuine and accurate.

Is MSME registration free of cost in India?

MSME registration and MSME certificate download are completely free on the official government portal at udyamregistration.gov.in. Avoid unofficial portals that may charge service fees. Visit the official portal for your Udyam Registration Certificate download. After registration, eligible businesses can also explore a business loan from Bajaj Finance.

How long does MSME certificate approval take?

An MSME registration certificate is typically issued through Udyam registration within 1 working day for Aadhaar-verified applications, with no manual approval wait. The process is generally automated once the required details are successfully verified. After receiving the certificate, eligible MSMEs can explore suitable financing options, including a business loan from Bajaj Finance, subject to eligibility.

Can I edit or update details on my MSME certificate?

Yes, an MSME certificate can be updated through the Udyam portal login. You can amend details such as the business name, address, business activity, or NIC code. To update your Udyam Registration Certificate: log in to the Udyam portal > select the update option > make the required changes > verify using OTP. Keep your registration details current to avoid issues with official records or benefits.

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