This paper is aimed at incorporating all possible micro-scale damage mechanisms, namely, fiber failure, matrix cracking, fiber-matrix debonding and delamination in multi-fiber multi-layer representative volume element (M²RVE) subjected to multi-axial loading. Different loading conditions have been selected toinduce a particular or combined damage mechanism/s to study the damage evolution. The predicted constitutive material responses for tensile and in-plane shear loading by M²RVE are in reasonably good agreement with theexperimental results. M²RVE then used for capturing all the microscale damage mechanisms even for complex multi-axial loading. The stress–strain responses have been effectively captured for different combinations of dominant damage mechanisms.