How To Write A Cheque in India?

Have you ever written cheques? It’s a common activity, and most people don’t think it matters. There are some things you need to remember when you draw a check for any reason.

You should verify the current date, recipient’s names, numeric, and alphabetic amounts value and any other details before you type them. You could be sued if you do not exercise caution when you write a cheque.

With financial instruments such as cheques, users can securely execute transactions. If the cheque is not properly drafted, the bank might reject it or refuse to honor it. If there are any overwriting or default problems, it can make it difficult to process a cheque.

To manage a cheque in India effectively, you will need to be familiar with the parts of a cheque, their parties, and how to write one.

A cheque is the most common method of payment, especially if the amount exceeds 20,000 Indian Rupees. A cheque is an option for smaller amounts.

This procedure was used by businesses before the creation of online payments. It is similar to a dated promissory paper, and allows them to make future payments. It is important to know how to fill out a cheque for someone.

Who are the parties to a cheque transaction?

Three parties are involved in transactions involving cheques:

  1. A drawer is the person who issues or draws the cheque.
  2. Drawee is a financial organization that connects the drawer to the payee.
  3. Payee: The person or organization designated to receive the funds on the cheque.

What are the Components of a Cheque?

The cheque will include information about the bank, including the name and address of the bank.

  1. IFSC This is a unique 11-digit code that is made up of a combination number and letters.
  2. Payee information Make sure you have correctly written the name of the payee here.
  3. Date box Fill in this box with the date, month, year.
  4. Rupees The drawer should enter the amount in words in rupees.
  5. Account Number To process a payment, a cheque must include the account number.
  6. Signature The drawer must sign the cheque correctly in the provided space. Although the name of the drawer is now printed on most bank checks, his or her signature remains necessary. Some cheques indicate the maximum amount that can be drawn and the amount to be transferred.
  7. Check number: Each cheque is assigned a unique number and a MICR Code.
  8. Amount To enter the amount in this box, the drawer must use numbers.

How to Write a Cheque in India

A cheque can be written in two parts, according to general rule.

  1. Write the cheque
  2. Recording the transaction

Part 1 – Prepare the Cheque

A bank might reject or discredit a cheque that isn’t properly written. These are the steps to write a cheque:

Dates should be written as follows: “DD/MM/YYYY”, in the upper right corner.

The ‘Payees’ name must be written down. Payees could be either individuals or companies.

Enter the number in words in “Rupees”, the field. Don’t forget to put “only” after the total amount. Start writing the amount from the very left of the slot.

This will protect the cheque from being altered. If the total is 5005, you can write “five thousand and five only”

Once you have written the amount, write the same amount in numbers in box to the right of the cheque. The sum should be written in the following format: 5005/-

Sign the cheque. You can also use the signature that you used in other banking transactions. If the signatures are not correct or consistent, or if they are invalid, the cheque will be cancelled.

Part 2 – Document the payment

It is important to document every aspect of the drawn check. This will allow you to calculate the amount that was paid to the payee as well as the number of issued cheques.

If you do it this manner, you won’t forget what details you have written on the cheques. When entering your cheque information, keep these things in mind:

  1. Completely fill out your cheque register with all details.
  2. Include the amount, date of drawing or issuing the cheque, and the number of the cheque.
  3. A brief overview of the payee.

If you don’t have an existing cheque register book, enter the information in a spreadsheet.


Guidelines to Writing a Cheque:

1. Use a Pen

Use a pen that uses blue ink or a blank ink. Anyone can alter the data in your pen and steal it. It is a good idea to use a pen for writing.

2. Writing a Values Essay

To prevent theft and altering, you must clearly and legibly write the amount. Write a number primarily on your left side. Draw a line once the quantity is written to stop additions.

3. Comparable Signatory

To sign the cheque, you should not use a different sign. If you sign the cheque with a different sign, the bank will not accept it. This protects the owner from fraud and abuse. As a result, you can maintain consistent cheques.

4. Carbon Copy for Cheques

You may find carbon paper between the cheque and the cheque in some chequebooks. This makes it easy to keep track of your spending without the need for a register.

Don’t Write Cheques:

1. Blank cheques

Complete the blank cheques by filling in all information. If you do not complete all columns and lines, your cheque may be considered illegal or in the wrong hands. Double-check all information before you send the cheque.

2. Avoid writing “Cash” on cheques

Anybody can use the cheque provided that “CASH” is written in front the payee line. Avoid making the cheque payable to “CASH”.

3. Never submit a cheque without first checking it.

You are not permitted to change a cheque after you have written it. To make transfers easy and painless, double-check all information.

4. Do not lose your cheque

Keep your chequebooks and chequebooks safe. Notify the bank immediately if you lose a cheque. Your bank will cancel all remaining cheques and freeze any cheques that are still valid.


1. When does a check become effective?

Three working days is the average time it takes for a cheque in India to clear once it has been deposited into a credit union account. In certain cases, however, this time period may be extended. You should be aware that you can’t withdraw the amount requested until the cheque clears.

Customers can request special clearance from many banks. A special clearance fee may be required. The bank will then estimate the time it takes to clear the money.

2. How can I stop a check from being paid?

There are several ways to stop a payment on a check.

  1. You can call the bank to provide sufficient information to enable them identify your cheque.
  2. Send the bank a letter containing all information necessary to identify the cheque.
  3. If you wish to stop receiving payments on any deposited checks, most banks will only accept written correspondence.

3. How can fake cheques be prevented?

  1. Write the cheque immediately after you have completed the term “Pay,” and include the name of the recipient.
  2. Use capital letters to write the number in words.
  3. You should not leave too much space between letters.
  4. Write the word “only” after you have mentioned the sum.
  5. Do not place spaces between integer amounts.

4. What happens if a bank refuses to process a cheque?

In certain circumstances, a bank might refuse to issue a check. If your cheques “bounce” frequently, this can make matters worse. To avoid this problem, you should take certain precautions to ensure that your transactions are efficient. Here are some reasons why a bank might not honor a cheque:

  1. Because there isn’t enough money in your bank account, the bank can’t cash the entire check.
  2. Because the cheque was not correctly filled out, the bank isn’t sure what the exact purpose of it.
  3. The cheque is out-of-date because it has a date older than three months.
  4. Cheques with a signature from a different issuer will bounce.
  5. Usually, bank officials reject cheques that are scrawled on or overwritten.

Leave a Comment