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Complete List of Reasons For Which A Cheque Can Be Returned Unpaid by A Bank - Tilak Marg
Complete List of Reasons For Which A Cheque Can Be Returned Unpaid by A Bank - Tilak Marg
Complete List of Reasons For Which A Cheque Can Be Returned Unpaid by A Bank - Tilak Marg
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
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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
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