3/1/2017 Completelistofreasonsforwhichachequecanbereturnedunpaidbyabank|TilakMarg

Home Complete list of reasons for which a cheque can be returned unpaid by a bank

Complete list of reasons for which a cheque can be returned unpaid by a bank
Thelistofreasons,forwhichachequecouldbereturnedunpaidbyabank,isgivenbelow(thislistisonlyillustrativeandnotexhaustive):

REASONFORRETURNOFCHEQUES:

CodeNo. ReasonforReturn
(0103) Funds

01 Fundsinsufficient

02 Exceedsarrangement

03 Effectsnotcleared,presentagain.
(0409) ReferencetoDrawer

04 Refertodrawer
05 KindlycontactDrawer/DraweeBankandpleasepresentagain.

(1019) Signature
10 Drawerssignatureincomplete
11 Drawerssignatureillegible

12 Drawerssignaturediffers
13 Drawerssignaturerequired

14 Drawerssignaturenotaspermandate
15 Drawerssignaturetooperateaccountnotreceived

16 Drawersauthoritytooperateaccountnotreceived
17 Alterationrequiresdrawersauthentication

(2029) StopPayment
20 Paymentstoppedbydrawer

21 Paymentstoppedbyattachmentorder
22 Paymentstoppedbycourtorder
23 Withdrawalstoppedowingtodeathofaccountholder

24 Withdrawalstoppedowingtolunacyofaccountholder

25 Withdrawalstoppedowingtoinsolvencyofaccountholder

(3049) Instrument
30 Instrumentpostdated

31 Instrumentoutdated/stale

32 Instrumentundated/withoutproperdate

33 InstrumentmutilatedrequiresBanksguarantee
34 Chequeirregularlydrawn/amountinwordsandfiguresdiffers

35 ClearingHousestamp/daterequired

36 Wronglydelivered/Notdrawnonus
37 Presentinproperzone

38 Instrumentcontainsextraneousmatter

39 Imagenotclear,presentagainwithpaper

40 Presentwithdocument
41 Itemlistedtwice

42 Papernotreceived

(5059) Account AskLegalQuestion

http://tilakmarg.com/completelistofreasonsforwhichachequecanbereturnedunpaidbyabank/ 1/5
3/1/2017 Completelistofreasonsforwhichachequecanbereturnedunpaidbyabank|TilakMarg
50 Accountclosed
51 Accounttransferredtoanotherbranch

52 Nosuchaccount

53 Titleofaccountrequired

54 Titleofaccountwrong/incomplete
55 Accountblocked(situationcoveredin2125)

(6069) Crossing/Endorsement

60 Crossedtotwobanks

61 Crossingstampnotcancelled
62 Clearingstampnotcancelled

63 Instrumentspeciallycrossedtoanotherbank

64 Amountinprotectivecrossingincorrect

65 Amountinprotectivecrossingrequired/illegible
66 Payeesendorsementrequired

67 Payeesendorsementirregular/requirescollectingbanksconfirmation

68 Endorsementbymark/thumbimpressionrequiresattestationbyMagistratewithseal
(7079) RBI/Government

70 Advicenotreceived

71 Amount/Namediffersonadvice

72 Draweebanksfundwithsponsorbankinsufficient
73 Payeesseparatedischargetobankrequired

74 Notpayabletill1stproximo
75 Payorder/chequerequirescountersignature
76 Requiredinformationnotlegible/correct

(8099) Miscellaneous
80 Bankscertificateambiguous/incomplete/required
81 Draftlostbyissuingoffice/confirmationrequiredfromissuingoffice

82 Draftlostbyissuingoffice/confirmationrequiredfromissuingoffice
83 DigitalCertificateValidationfailure

84 Otherreasonsconnectivityfailure
AlterationsoninstrumentOtherthanDatefield(Alteration/correctiononinstrumentsareprohibitedunderCheque
85
TruncationSystem.ReturnreasoncodeapplicabletoinstrumentspresentedinCTS)
86 Fake/Forged/Stolendraft/cheque/cashorder/interestwarrant/dividendwarrant
87 Payeesa/ccreditedStamprequired

88 Otherreasons(Pleasespecify)
92 BankExcluded

Search Tilak Marg

CustomSearch

11,089 12,260 18,001

52,896 52,703 5,987

CaratLane
AskLegalQuestion

http://tilakmarg.com/completelistofreasonsforwhichachequecanbereturnedunpaidbyabank/ 2/5
3/1/2017 Completelistofreasonsforwhichachequecanbereturnedunpaidbyabank|TilakMarg
TilakMarg'sphoto.
TilakMarg
13,489likes

LikePage Share

Bethefirstofyourfriendstolikethis
Utpaljeet
VarshaAarav Ravi SukhpalRanjeeta
BaruahBhogle Khan Satav Singh Ghosh
Deshmukh

Adsby Google

CheckAccount

BankAccountNo

Tilak Marg Forum Latest

SlPcivilmater

Suspensionwithoutanychargelistorinvestigationbyinternal/externalagency
stopedcheque
MycasenoSLP(civil)diaryno31805/2016.sirkindlysendmycasestatusatpre

convictedbylowercourt
Ancestorpropertyagreementdonebymyfatherwithoutmynotice

sale,gift,leasebyGPAholder
DoIhaverighttodefendmyowncaseincourtwithoutlawyer?
WrongfulterminationfronCompany

Twodeptchargesheetsforsameact&ampsuspensionwithoutsubsistenceallowance

Recent articles

AmendmentofConstitution(Part1of2)UPSCIASExamIndianPolitybyDrAshokDhamija

FundamentalDutiesunderConstitutionUPSCIASExamIndianPolitybyDrAshokDhamija

DirectivePrinciplesofStatePolicy(Part4)UPSCIASExamIndianPolitybyDrAshokDhamija

DirectivePrinciplesofStatePolicy(Part3)UPSCIASExamIndianPolitybyDrAshokDhamija

DirectivePrinciplesofStatePolicy(Part2)UPSCIASExamIndianPolitybyDrAshokDhamija

DirectivePrinciplesofStatePolicy(Part1)UPSCIASExamIndianPolitybyDrAshokDhamija

UPSCSecurityForcesNSG(NationalSecurityGuard)IASGeneralStudies3byDhamija

IndiaUAE(UnitedArabEmirates)RelationsUPSCIASExambyDrAshokDhamija

StateSentenceReviewBoardandsomepertinentissues

UPSCSecurityForcesAssamRiflesIASGeneralStudies3byAshokDhamija

Recent Tweets

AskLegalQuestion

http://tilakmarg.com/completelistofreasonsforwhichachequecanbereturnedunpaidbyabank/ 3/5
3/1/2017 Completelistofreasonsforwhichachequecanbereturnedunpaidbyabank|TilakMarg

Tweetsby@TilakMarg
TilakMarg
@TilakMarg
StateSentenceReviewBoardandsome
pertinentissuestilakmarg.com/opinion/state

StateSentenceReviewBo
Someissuesregardingrelev
tilakmarg.com

20Feb

TilakMargRetweeted

Dr.AshokDhamija
@ashokdhamija

Demonetisationissuewillhavetobereferredto
7judgebenchtosucceed
tilakmarg.com/opinion/demone

Demonetisationissuewillh
Demonetisationissuewillha

Embed ViewonTwitter

DISCLAIMER:AnyreferencetoanyadvocateonTilakMarg.comdoesnotconstituteareferralorendorsement,nordoesitconstitutean
advertisement.Thiswebsiteismeantonlyforprovidinglegalinformationtoitsvisitors.YouraccessanduseofthiswebsiteissubjecttoitsTerms
ofUse.Pleasechecktheofficialjudgmentsfromtheconcernedcourtsbeforerelyinguponthem.

Home About Archives Contribute Contact Us

Copyright (C) 2011-2016 - Tilak Marg

AskLegalQuestion

http://tilakmarg.com/completelistofreasonsforwhichachequecanbereturnedunpaidbyabank/ 4/5
3/1/2017 Completelistofreasonsforwhichachequecanbereturnedunpaidbyabank|TilakMarg

http://tilakmarg.com/completelistofreasonsforwhichachequecanbereturnedunpaidbyabank/ 5/5