Step-by-step guide to register for Udyam Registration Certificate
The Udyam registration process step by step is free and takes approximately 10–15 minutes when the applicant’s Aadhaar is linked to their mobile number.
Step 1: Visit the official Udyam Registration portal
Visit the official Udyam Registration portal at udyamregistration.gov.in and select the option to register as a new entrepreneur. Keep your Aadhaar, PAN, and business details ready before starting the application.
Step 2: Click on the ‘New Registration’ tab on the home page
On the Udyam Registration portal, select ‘For New Entrepreneurs who are not Registered yet as MSME or those with EM-II’ to begin the new registration process.
Step 3: Enter your Aadhaar details
Enter your Aadhaar number on the portal and complete the required authentication using OTP. The OTP is sent to the mobile number linked to your Aadhaar, so ensure the number is active.
Step 4: Provide business information
Enter your business information, including the name, address, NIC code, bank details, and number of employees. Select the appropriate NIC code carefully to accurately reflect your business activity.
Step 5: Submit and verify your application
Submit the completed form after verifying all details and completing the required authentication. The Udyam e-certificate is sent to your registered email address and contains your 16-digit Udyam Registration Number.
Common mistakes to avoid during registration for Udyam Registration Certificate
The two most common mistakes when applying for an udyam registration certificate are incorrect business details and errors during OTP verification.
- Incorrect business details: Enter accurate business, PAN, and enterprise information to avoid discrepancies.
- Incorrect investment figure: Report the applicable investment amount accurately, as it affects MSME classification.
- OTP verification errors: Ensure the Aadhaar-linked mobile number is active to complete OTP verification.
- Incomplete information: Check all mandatory fields before submitting the application to avoid delays or errors.
- Incorrect contact details: Provide a valid mobile number and email address for communication and certificate delivery.
- Incorrect NIC code selection: Select the NIC code that accurately represents your business activity, as errors can result in misclassification and affect scheme eligibility.
Post-registration benefits and obligations
The key Udyam registration benefits include improved access to finance, government schemes, and procurement opportunities for eligible MSMEs.
| Benefit | What it means for your business |
|---|
| Priority sector lending | Banks must allocate a prescribed percentage of lending to MSMEs, supporting access to formal credit. |
| Credit Guarantee Fund (CGTMSE) | Eligible MSMEs can access collateral-free loans covered under applicable Credit Guarantee Fund Trust for Micro and Small Enterprises provisions, subject to scheme conditions. |
| Business financing | Udyam registration can support access to business loans; eligible borrowers can check Bajaj Finance business loan options and applicable rates. |
| Tender preferences | Eligible MSMEs may receive price preferences and exemption from EMD in government tenders, subject to applicable rules. |
| Government subsidies | Registered MSMEs can access eligible government subsidies and support schemes. |
| Market opportunities | MSME recognition can support participation in government procurement and other institutional opportunities. |
Businesses using MSME Udyam registration should keep their information updated annually and comply with applicable requirements.
How to verify and update your Udyam Registration Certificate?
An Udyam Registration Certificate should be updated when annual turnover crosses the applicable MSME threshold, investment in plant or machinery changes, or the business address or type changes.
- Visit the official Udyam Registration portal and select the option to update or amend registration details.
- Enter your Udyam Registration Number and complete the required OTP verification using the registered mobile number.
- Update the relevant business information, review the details, and submit the changes.
- Complete any required verification and save the updated registration details.
After successful Udyam Certificate Registration updates, you can download the updated certificate from the official portal.
Documents required for Udyam Registration Certificate
The udyam registration documents required include Aadhaar, PAN, and business registration proof, depending on the business type.
| Document | Who provides it | Notes |
|---|
| Aadhaar card | Proprietor, managing partner, Karta, or authorised signatory | Mandatory |
| PAN card | Business or company PAN | Mandatory |
| Business registration proof | Partnership deed, certificate of incorporation, or registration certificate | As applicable |
| Business address proof | Electricity bill, telephone bill, property tax receipt | Any one |
| Investment details | Invoices or purchase orders for plant and machinery | Mandatory |
| Turnover details | Financial statements or ITR | Mandatory |
| GSTIN | GST certificate | If GST-registered |
How to download the Udyam Registration Certificate
Entrepreneurs can easily download their Udyam registration number by following these steps:
Step 1: Go to the official Udyam registration website.
Step 2: Click on the ‘Print/Verify’ tab and choose ‘Print Udyam Certificate’.
Step 3: Enter your ‘Udyam Registration Number’, mobile number, select how you want to receive the OTP, and click on ‘Validate & Generate OTP’.
Step 4: Enter the OTP sent to your mobile or email and click on ‘Validate OTP and Login’.
Step 5: Once you’re logged in, you can download or print your Udyam registration certificate.
What are the MSME classification criteria for Udyam registration?
Udyam Registration classification is based on two factors: investment in plant and machinery and annual turnover, as prescribed under the MSMED Act, 2006.
| Enterprise type | Maximum investment in plant and machinery | Maximum annual turnover |
|---|
| Micro enterprise | Up to Rs. 1 crore | Up to Rs. 5 crore |
| Small enterprise | Up to Rs. 10 crore | Up to Rs. 50 crore |
| Medium enterprise | Up to Rs. 50 crore | Up to Rs. 250 crore |
For MSME Udyam registration, both investment and turnover must qualify; if either criterion places the enterprise in a higher category, the higher classification applies.
How does Udyam registration help you get a business loan?
Udyam registration for MSME loan applications can support access to business loans through priority sector lending and eligible collateral-free credit, including CGTMSE-backed loans of up to Rs. 5 crore.
| Benefit | What it means | Bajaj Finance relevance |
|---|
| Priority sector lending | Banks are mandated to lend to MSMEs under RBI priority sector guidelines. | Bajaj Finance offers collateral-free business loans to eligible MSMEs, subject to its lending criteria. |
| CGTMSE cover | Eligible MSMEs may access collateral-free loans of up to Rs. 5 crore under applicable Credit Guarantee Fund Trust for Micro and Small Enterprises provisions. | The guarantee can reduce lender risk, supporting access to credit. |
| Lower interest rates | Registered MSMEs may access concessional rates under eligible government schemes. | Check eligibility for applicable Bajaj Finance business loan rates. |
Example
Priya, a 34-year-old owner of a small garment unit in Surat, obtained her Udyam Registration Certificate in 2024. With her 16-digit URN, she secured a collateral-free business loan from Bajaj Finance to purchase new machinery, with funds received within 48 hours of approval and verification.
Eligible applicants can check Bajaj Finance Business Loan options ranging from Rs. 2 lakh to Rs. 80 lakh, subject to eligibility and approval.
Conclusion
The Udyam Registration Certificate is a crucial document for MSMEs, offering numerous benefits, including easier access to business loans. Registering ensures credibility, facilitates financial assistance from Bajaj Finance, and enables eligibility for government incentives. By understanding the process, avoiding common mistakes, and maintaining updated information, business owners can optimise the benefits of Udyam Registration and ensure compliance with MSME guidelines. Stay proactive to leverage these opportunities for your business’s growth and development.
