GeM Compliance & Policy 2026
✓ Official 2026 Rule Update
⏱️ 8 min read
📊 Level: All Sellers
GeM Caution Money Refund Kaise Payein? 2026 Step-by-Step Fund Withdrawal Process
Direct Answer: Government e-Marketplace (GeM) ne Ease of Doing Business aur MSME participation badhane ke liye Caution Money Deposit requirement ko officially band (discontinue) kar diya hai. Agar aapne pehle ₹5,000, ₹10,000 ya ₹25,000 deposit kiya tha, toh aap apne GeM Seller Dashboard me "Manage Caution Money Account" -> "Recalculate Threshold" -> "Withdraw Excess Funds" par click karke 100% refund 24 se 48 ghante me apne verified bank account me pa sakte hain.
⚡ At a Glance: GeM Caution Money 2026 Status
| Parameter |
Naya Niyam (2026) |
Purana Niyam (Obsolete) |
| Mandatory Deposit Required? |
❌ NO (Discontinued) |
✅ Yes (Mandatory for Catalog Listing) |
| Deposit Slabs |
₹0 (Sabhi Sellers ke liye Free) |
₹5K (<1Cr), ₹10K (1-10Cr), ₹25K (>10Cr) |
| Existing Deposit Status |
100% Refundable via Dashboard |
Blocked in Escrow / Bank Pool |
| Refund Processing Time |
24 to 48 Hours |
N/A |
| Payout Mode |
Direct Bank Transfer (NEFT/RTGS) |
Linked Seller Bank Account |
💡 Caution Money Band Kyu Hui? (Official Background)
GeM portal par pehle har seller ko apna catalog live karne aur bids me participate karne ke liye ek fixed Caution Money deposit karni padti thi. Iska purpose seller ki taraf se kisi default ya non-delivery par penalty kaatna tha.
Lekin 2026 me Ministry of Commerce & Industry ne paya ki:
- Chhote MSMEs, Startups aur Women Entrepreneurs ke liye yeh upfront capital block kar raha tha.
- Incident Management System aur Online ePBG/Bank Guarantee aane ke baad physical caution money ki zaroorat khatam ho gayi.
Isliye GeM ne is mandatory requirement ko scrap kar diya aur sabhi registered sellers ko apna pura balance nikalne (withdraw) ki permission de di.
📝 Step-by-Step: Dashboard Se Caution Money Withdraw Kaise Karein
Agar aapka paisa GeM ke caution money account me jama hai, toh niche diye gaye 5 simple steps follow karein:
Step 1: GeM Primary Seller Account Me Log In Karein
- gem.gov.in par jaayein aur apne Primary User ID aur Password se login karein.
- (Dhyan rahe: Secondary user ke paas financial withdrawal ke rights nahi hote).
Step 2: Caution Money Management Section Kholein
- Top right navigation me apne profile name par click karein.
- Dropdown menu se "Dashboard" select karein.
- Left side menu me "Manage Caution Money Account" ya "Caution Money Details" par click karein.
Step 3: Threshold Recalculation Trigger Karein
- Dashboard par aapko apna Current Balance aur Threshold Required dikhega.
- Ab screen par dikh rahe "Recalculate Threshold" button par click karein.
- GeM system instantly check karega ki nayi policy ke mutabik aapka required threshold ₹0 ho chuka hai.
- Recalculate hote hi aapka pura balance "Excess Available for Withdrawal" me shift ho jayega.
Step 4: "Withdraw Excess Funds" Request Submit Karein
- "Withdraw Funds" ya "Withdraw Excess Amount" button par click karein.
- Jitna amount aap nikalna chahte hain (pura amount) enter karein.
- Linked bank account verify karein (jo aapke GeM profile me primary verified account hai).
- Registered mobile number par aane wala Aadhaar / Mobile OTP daal kar verify karein.
Step 5: Refund Status Track Karein
- Request submit hote hi ek Transaction Reference Number (UTR) generate hoga.
- Payout direct NEFT/RTGS ke zariye aapke bank account me 1-2 working days me credit ho jata hai.
[GeM Dashboard] ➔ [Manage Caution Money] ➔ [Recalculate Threshold (Now ₹0)] ➔ [Withdraw Funds] ➔ [Bank Credit in 24-48 Hrs]
⚠️ Common Problems & Unke Solutions
- Reason: Browser cache ya GeM server sync issue.
- Fix: Browser incognito window me kholein ya 24 ghante baad dubara try karein. Agar tab bhi na ho toh GeM Helpdesk par ticket raise karein category: Account -> Caution Money -> Recalculation.
2. Kya Caution Money withdraw karne se meri Seller Rating ya Active Bids par asar padega?
- Answer: Bilkul nahi! Naye rules ke mutabik Caution Money mandatory nahi hai. Aapka catalog 100% active rahega aur aap regular bids participate kar sakte hain bina kisi restriction ke.
3. Agar account par koi Active Incident (Show-cause Notice) pending hai toh?
- Rule: Agar GeM Incident Management cell ne aapke account par koi penalty hold lagaya hua hai, toh pending penalty amount deduct karke bacha hua excess balance withdraw ho sakega.
Apne GeM business ko bina kisi galti ke chalane ke liye SahayakAI ke free tools use karein:
❓ Frequently Asked Questions (FAQs)
Q1: Kya naye seller ko GeM par register karte waqt Caution Money deni padegi?
Nahi! 2026 me Caution Money policy puri tarah khatam kar di gayi hai. Naye sellers bina ₹1 bhi caution money jama kiye apna product aur service catalog live kar sakte hain.
Q2: Mere ₹10,000 jama the, kitne din me mere bank account me aayenge?
Dashboard par "Withdraw Excess Funds" request submit karne ke baad aamtaur par 24 se 48 working hours me amount aapke verified bank account me NEFT se credit ho jata hai.
Q3: Kya Caution Money nikalne ke baad EMD exemption milegi?
Haan! EMD Exemption ka Caution Money se koi lena-dena nahi hai. EMD Exemption GFR 2017 Rule 170(i) ke tahat aapke valid Udyam MSME Certificate ya DPIIT Startup status ke base par milti hai.
SahayakAI Mission
SahayakAI ka mission hai Bharat ke businesses ko Government procurement ko aasaan tareeke se samajhne aur confidently participate karne me madad karna. Hum AI-powered productivity tools, practical guidance aur compliance-first approach ke through sellers ko empower karte hain, taaki woh Government e-Marketplace (GeM) Portal aur anya public procurement platforms par behtar tareeke se kaam kar sakein.
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