How To Write A Cheque In India?

How To Write A Cheque In India?

How To Write A Cheque In India?

The process of writing a cheque appears simple and simple But is it as easy? A very popular method of paying money is using a cheque with the changing times and enormous technological advancement. People are now using electronic payment methods.

However, we must know the fundamentals and the most common mistakes we make while making the cheque. There are numerous fundamental things we could miss when we write the cheque to someone who can easily be misused.

Thus, different measures must be considered when checking in India.

What Is Cheque?

It’s a method that lets people access their funds from bank accounts. It requires a bank to transfer a particular quantity of funds from an account for a business or person to the other accounts of individuals or companies. Then, it is possible to transfer and withdraw the amount.

Through the use of a cheque, you can make secure easy, secure, and reliable payments. The benefit of using a cheque is that it’s an extremely secure option since hard cash isn’t present, reducing the possibility of being stolen or lost. However, be cautious when you write a cheque, as any mistake could result in unnecessary hassle.

Understanding Different Parts Of The Cheque

It is essential to comprehend the cheque’s various components to ensure it has been properly written. Here are a few crucial components of the cheque

  • The bank’s name may also be the drawee or payee bank.
  • If there’s a crossing on it, and a/c is written payee only, it’s an order for the bank to deposit into the account of the payee and only.
  • When filling out the payment section, you must write your name as the person you’re writing the cheque for. Check that the name is correctly spelled. It is always recommended that you draw lines across the area following the recipient’s name to ensure that no changes will be made to the name.
  • In the section for dates in the date section, indicate the date on which you would like the funds to be deducted or transferred.
  • Always cross the bearer option so that if the check is stolen, it is not returned.
  • It is important to write the amount in words and draw an outline after it is stated. Note the amount as close as the bank. Ensure that the amount in both numbers and words is the same. If they are not in line, the check could be returned.
  • Make sure to write the amount in numbers and draw a line around the amount so that nobody can alter the amount.
  • Sign your signature with authority as a drawer.
  • Every cheque has a distinct serial number. It’s called Cheque Number.
  • The number of the account used for the cheque is listed in this article.
  • MICR refers to The Magnetic Link Character Recognition Code. The code is used to identify the branch and bank from where the cheque was issued.
  • These two numbers are an ID for transactions.

There are many things that a cheque has, and you must be careful when making your cheques to avoid any type of problems. We must learn the proper methods to make an Indian cheque: India:

7 Correct Ways To Write A Cheque In India

1. Remove the words “or bearer” and a/c payee.

If you do not include the words payee, a/c, or bearer on the check, it ensures that nobody other than the payee can take the cash from the bank.

If you don’t cancel the cheque, it will become a carrier’s cheque, meaning anyone who holds the cheque has the right to take the money. In this case, if the cheque gets stolen or lost, there is a chance that you will be unable to claim the money mentioned in the check, as any could claim the cheque.

2. Do not leave spaces between numbers and words.

When you write down the recipient’s name and amount, ensure you don’t leave blank spaces. This is not difficult, and you should remember this each when you write a cheque, as it allows you to include any letter or number and change the amount of the cheque.

This is crucial since it won’t allow anyone the opportunity to complete the alphabet before or following the names. Let’s understand this with an example.

If you wish to pay your money directly in honor of Anu Malhotra, write the name and leave a little space. Of course, anyone could misuse it and write Anuj Malhotra; however, if you leave less space, it will be difficult to include an additional alphabet.Correct method- Anu Malhotra

Wrong Way- Anu Malhotra

It is a subject that can be misused and changed it can be misused and changed Anuj Malhotra.

1. Ensure to write only after you have written the sum in rupees, expressed in the words column.

It may seem small; however, they have a major impact. It is essential to write only after having completed the sum in words. You should also add a slash following the numbers. For example, there is a huge distinction between Rs.15,000 and Rs.15,000or. You should use a slash because a person can add any number following it. However, when you simply put 15 000 in the space, anyone can write 150000 and misuse the number.

Writing only is crucial because when you write just fifteen thousand, anyone could add fifteen thousand and one hundred ninety-nine. Therefore, if you don’t follow this guideline, the figures are easily adjusted and cause a problem.

Therefore, the written method to mention the amount is: Fifteen Thousand only, and 15,000/–

Also, Read The Charges And Penalty For Cheque Bounce.

1. Never sign up for a MICR band.

Don’t sign or mark over the MICR band in the middle of the check. MICR band is the bank’s associated number that appears on top of the cheque. So, signing your cheque with the MICR band is a mistake, and as a result, the cheque may be refused acceptance.

This is among the most basic mistakes due to which the cheque is damaged. Always ensure you sign in the space provided over that of the Authorized Signatory.

2. Correct Date

Don’t forget to write the correct date. If you fail to fill in the date, anybody who holds the cheque has the right to fill in any date and cash out the money according to their wishes. This could cause a lot of trouble for you if you don’t have sufficient funds in your bank account and the check is placed into the bank.

Your cheque will be rejected if you don’t have enough cash in the bank. However, a cheque not accompanied by a payment date is not accepted by banks and will be bounced. Ensure you have the exact date and year, as it may cause the cheque to be rejected.

3. The process of overwriting is not advised.

Be extremely cautious when you write a cheque so that you don’t need to write, scribble, or even cancel something. Banks generally do not accept cheques when the overwriting process is used. Therefore, if you commit a mistake, you should immediately delete the current one and write a fresh one.

4. Keep track of your checks

It may sound boring to you, but keeping an inventory of all cheques you send to any third party is an excellent practice. It is enough to record the cheque number, the name of the person who is paying it, and the date on which you gave it.

This will ensure the security of your cheque. In addition, by using this information, you can stay clear of unsettling activity, confusion, or even fraud.

There is a situation where you want to make a change on the cheque. However, you don’t have any specifics. Still, if you have the information records, you can easily do so without any trouble.

You should be aware of a few actions when writing a cheque to ensure that there is no chance of fraud and that your check will not be rejected.

However, there are additional tips and mistakes that a lot of people make. Let’s examine them to see if you can avoid them.

Six Essential Tips To Keep In Mind When Writing A Cheque In India

  1. Make sure to draw a line between the name and the amount: It is recommended to draw a line in the middle of you write your name or the amount, as it ensures that nobody can write anything to the check. It is not a way to make the cheque liable for misuse.
  2. Note the date in the upper right-hand corner: It is possible to find a space beside the word”date” printed onto the cheque. You must remember that a cheque is a legally binding document. Therefore, make sure that the date you put on the upper left corner of your cheque must match the date you write in the lower left corner.
  3. Signature: Make sure you carefully sign your cheque since it should be identical to the signature you gave to the bank when opening your account. You may have to issue a cheque if your signatures do not match.
  4. Make sure to use only the name of your client: When you write a check, mention the person’s full address and avoid using abbreviations and nicknames.
  5. Don’t sign on the back of a blank check: Many of you will know you should not sign a blank cheque. This could be very dangerous for those who receive this blank cheque can sign the cheque according to their wishes and could drain your account. Avoid this error because it could take significant money from your account.
  6. Mark the spot you have been given: Another crucial point to be aware of is that you must always sign your signature on the line at the lower right-hand part of the check. It may be rejected if the cheque isn’t executed correctly and in the right spot.

General Safety Measures To Write An Appropriate Cheque

It may appear simple, but an error could lead to significant losses. So, taking security measures is not just important but also essential. Here is a checklist of a few additional actions you should be aware of when writing cheques-

  • You could also apply a cello tape on the name and the amount to ensure that nobody could alter the information on the document.
  • If you’ve ever had a canceled check, practice throwing them away unless you use them for a specific reason.
  • Always include your mobile number and account number on the side of the cheque while depositing.
  • Don’t give a check to anyone who does not mention the date, account number, or name.
  • Be sure you have enough money before you hand over the check since if the check bounces, it can be considered an infraction that can be prosecuted.
  • It is clearly stated; if the sign is unclear, you should sign again to avoid confusion.
  • Never fold or staple the band, damage, or glue the MICR band.
  • Cheques should not be post-dated or contaminated with any marks. It.
  • Make use of the same pen for the entire cheque. The handwriting must be the same on all the parts of the cheque.


What’s a check?

A cheque is a document that gives a bank permission to transfer a certain amount of money from the account of the person who wrote it to the person who is on it.

If I make a mistake when writing a check, what should I do?

You should not use correction fluid or scribble over a mistake you make while writing a cheque. Instead, erase the error by writing the correction next to it and drawing a line through it. Then, to confirm that the correction is correct, sign it with your initials next to it.

How ought I to sign a check?

Always sign your name exactly as it appears on your bank account when signing a cheque. Sign using a ballpoint pen in cursive style. Each time you sign a cheque, you should use the same signature.

On a check, how do I write the amount in words?

Start with the currency symbol—in this case, “Rs”—to write the amount on a cheque. for Indian Rupees), then the amount expressed in words. Use upper case letters to write the amount in words that are as clear and legible as possible. For instance, if the sum is Rs. “RUPEES TWO THOUSAND FIVE HUNDRED ONLY” should be written at 2,500.

On a check, how do I write the amount in numbers?

In the box provided, enter the amount’s numerical value to write in figures on a cheque. For instance, if the sum is Rs. 2,500, write “2,500.00.”

After I write a check, what should I do?

Make sure your cheque is signed and properly filled out after you write it. After that, either hand the payee the check or put it in your bank account. Keep a copy of the cheque or your bank statement as proof of the transaction for future reference.