if we are coming for an approach for a runway which has an elevation of 100feet,and the MSA on the approach plate shows 9500feet,surely we are to descend and land,,my question is ,,arent we crossin the 9500 limit???since msa assures acceptable obstacle clearance of 1000non and 2000mountaineous,,??
If you don't descend below MSA you will never land.
In order to descend below it in IMC (not visual) you should be either under positive radar control or on a published instrument arrival. If you are in any doubt then climb back above MSA.
If you are VMC and visual with terrain then you may descend below MSA keeping clear of all obstacles. By night the rules change slightly and include a requirement to check position by radio or radar aids and an identifiable lit area ( normally the runway ).
Others will have different rules and regs.