2025年印度B2B支付实践趋势

B2B paymentpractices trends About the Atradius The Atradius Payment Practices Barometer is an annual survey ofbusiness-to-business (B2B) payment practices in markets across the Our survey gives you the opportunity to hear directly from businessestrading on credit with B2B customers about how they are coping withevolving trends in customer payment behaviour. Staying informedabout these trends is vital because it helps to identify emerging shifts in Businesses operating in – or planning to enter – the markets andindustries covered by our survey can gain valuable insights from ourreports, which also shed light on the challenges and risks companies This report presents the survey results forIndia. The survey was conducted during the second half of Q2 2025.Findings should therefore be viewed with this in mind. B2B paymentpractices trends Surge in B2B payment delays and baddebts spark cash flow strain A significant rise in B2B payment delays is casting a shadow overthe corporate liquidity management of companies across India.Nearly three in five firms report deteriorating customer paymentbehaviour, and overdue invoices now affect an average 63% of all Indian companies are responding to these dynamics with variedapproaches to their trade credit strategies. Although somebusinesses have tightened terms, most have relaxed theirpayment policies, offering longer terms to support B2B customer There is a mixed picture on the working capital managementlandscape. Businesses are nearly evenly split between thoseobserving stable payment collection timelines and thoseexperiencing fluctuations, both faster and slower, as reflected inDays Sales Outstanding (DSO) figures. Stock build-ups are Bank loans remain the most common trade finance tool, used bythree in five companies. The preference for bank credit reflects aneed for accessible, flexible funding amid increasing operationaland payment risk. To manage B2B credit risk most Indian firmseither rely on internal provisioning or outsourced solutions such astrade credit insurance, while many favour a combined approach Key figures and charts India India % of the total value of B2B invoices paid on time,overdue and bad debts What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple response) Source: Atradius Payment Practices Barometer India – 2025 India India % of respondents reporting changes in Days SalesOutstanding (DSO)* over the past 12 months What are the main sources of financing that yourcompany used during the past 12 months? 75% Bank loans60% Invoice financing50% Trade credit(% of respondents - multiple response) (% of respondents) Looking ahead Widespread concern about rising insolvencyrisk and subdued profitability Our survey finds that confidence in the stability of the B2Bcredit landscape is clearly under strain as Indian businessesprepare for the second half of the year and beyond. A substantial72% of companies across various industries expect B2B In anticipation of these risks companies in India are sharpeningtheir focus on working capital management. Most report plansto intensify collection efforts in the months ahead, hoping toshorten Days Sales Outstanding (DSO) and accelerate cash Optimism is tempered by expectations around inventory,however. Most companies foresee either no significant changesin turnover or even a build-up of stock, circumstances whichrestrict the ability to release cash tied up in inventory. More thanhalf of businesses are responding with delayed payments totheir suppliers, easing internal liquidity stress. Other firms say Despite this, companies generally report no major shifts in theircurrent approach to customer payment risk management.Looking forward, most businesses agree on the need to stayflexible and responsive to economic and market volatility. WhileIndia’s corporate sector is actively working to safeguard Key industry insights Agri-food A marked tightening of trade credit policies across the agri-food sector isreflected in only 44% of B2B sales being made on credit. Most businesses are relaxingpayment terms, which now average more than 50 days from invoicing,highlighting the delicate balance between securing revenue andsupporting customers. Overdue payments affect more than 60% of Companies are responding with strengthened collection processes thatare delivering modest improvements in DSO. Working capital remainsstrained, however, with widespread inventory build-ups and delayedsupplier payments further reflecting efforts to conserve cash. Bankcredit is the preferred trade finance instrument to support day-to-dayliquidity. Most companies adopt a combined strategy for mitigating India - Agri-food Top 5 challenges companies face when offering credit to B2B customers Managing the effects of fluctuating financing costs Maintaining customer relationships India - Agri-food Key industry figures Key industry insights Chemicals A growing reliance on B2B trade c