{"id":39148,"date":"2023-06-14T19:55:31","date_gmt":"2023-06-14T14:25:31","guid":{"rendered":"https:\/\/plyinsight.com\/?p=39148"},"modified":"2023-06-16T13:23:22","modified_gmt":"2023-06-16T07:53:22","slug":"law-on-cheque-bounce","status":"publish","type":"post","link":"https:\/\/plyinsight.com\/hi\/law-on-cheque-bounce\/","title":{"rendered":"Law on Cheque Bounce"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p><span style=\"color: #000000;\">Cheque bounce is back in the news with three cases making the headlines. A court in Maharashtra&#8217;s Thane district sentenced a businessman to rigorous imprisonment for three months and directed him to pay double the bounced amount. A metropolitan court punished a man in Gujarat with a one-year jail sentence. The Sikkim High Court recently ruled that offences under Section 138 of the Negotiable Instruments Act can be compounded at any stage.<\/span><br \/>\n<span style=\"color: #000000;\">What is a cheque bounce?<\/span><\/p>\n<p><span style=\"color: #000000;\">Cheque bounce or \u201cdishonour of cheque\u201d occurs when a drawee is unable to withdraw money using a cheque due to certain limitations. It is covered by the Negotiable instruments Act (NI Act), 1881 which aims to deter the issuance of cheques without sufficient funds in the bank account, and provides legal remedy to the aggrieved party.<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>Insufficient funds<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">Section 138 of the NI Act mentions two reasons for cheque bounce. \u201cFirst, there is insufficient money in the account. Second, the cheque amount exceeds the arrangement the account holder has with the bank.\u201d The second reason refers to the cheque amount being higher than the account&#8217;s withdrawal limit.<\/span><\/p>\n<p><span style=\"color: #000000;\">Over time various other reasons have emerged.<\/span><\/p>\n<p><span style=\"color: #000000;\">Signature or number mismatch: A cheque can be dishonoured if there is a discrepancy between the drawer&#8217;s signature on the cheque and the specimen signature available with the bank.<\/span><\/p>\n<p><span style=\"color: #000000;\">A number mismatch may arise if the cheque number entered in the MICR (Magnetic Ink Character Recognition) code line doesn&#8217;t correspond with the pre-printed cheque number.<\/span><\/p>\n<p><span style=\"color: #000000;\">Expired or damaged cheque: A cheque is usually valid for three months from the date of issuance. If presented after this period, it is not honoured.<\/span><\/p>\n<p><span style=\"color: #000000;\">The bank may also declare a damaged or mutilated cheque as invalid. \u201cEssential elements like the date, payee&#8217;s name, amount and signature must be legible and undamaged for successful processing.\u201d<\/span><\/p>\n<p><span style=\"color: #000000;\">Stop payment instruction: The issuer may have instructed the bank to stop the payment due to reasons like a dispute, suspicion of fraud, loss of the cheque, or change in circumstances.<\/span><\/p>\n<p><span style=\"color: #000000;\">Legal consequences: Cheque bounce is a criminal offence under Section 138 of the NI Act, \u201cThe sentence can be for up to two years; a fine, which can be extended to twice the amount covered by the dishonoured cheque; or both.\u201d<\/span><\/p>\n<p><span style=\"color: #000000;\">\u201cBail can be secured when the matter is pending in lower court. Post-conviction the chances of bail become bleak.\u201d<\/span><br \/>\n<span style=\"color: #000000;\">Regarding legal notice, \u201cThe receiver of the bounced cheque can send a legal notice to the issuer within 30 days of receiving the bounce memo from the bank.\u201d<\/span><\/p>\n<p><span style=\"color: #000000;\">The Sikkim HC recently ruled that offences under Section 138 of the NI Act can be compounded at any stage. This means the parties can enter into a compromise and settle the matter out of court.<\/span><\/p>\n<hr \/>\n<p style=\"text-align: center;\"><span style=\"color: #000000;\"><strong>\u091a\u0947\u0915 \u092c\u093e\u0909\u0902\u0938 \u092a\u0930 \u0915\u093e\u0928\u0942\u0928<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u0924\u0940\u0928 \u092e\u093e\u092e\u0932\u094b\u0902 \u0915\u0947 \u0938\u0941\u0930\u094d\u0916\u093f\u092f\u093e\u0902 \u092c\u091f\u094b\u0930\u0928\u0947 \u0915\u0947 \u0938\u093e\u0925 \u091a\u0947\u0915 \u092c\u093e\u0909\u0902\u0938 \u090f\u0915 \u092c\u093e\u0930 \u092b\u093f\u0930 \u0916\u092c\u0930\u094b\u0902 \u092e\u0947\u0902 \u0939\u0948\u0964 \u092e\u0939\u093e\u0930\u093e\u0937\u094d\u091f\u094d\u0930 \u0915\u0947 \u0920\u093e\u0923\u0947 \u091c\u093f\u0932\u0947 \u0915\u0940 \u090f\u0915 \u0905\u0926\u093e\u0932\u0924 \u0928\u0947 \u090f\u0915 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u0940 \u0915\u094b \u0924\u0940\u0928 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0938\u0936\u094d\u0930\u092e \u0915\u093e\u0930\u093e\u0935\u093e\u0938 \u0915\u0940 \u0938\u091c\u093e \u0938\u0941\u0928\u093e\u0908 \u0914\u0930 \u092c\u093e\u0909\u0902\u0938 \u0930\u093e\u0936\u093f \u0915\u093e \u0926\u094b\u0917\u0941\u0928\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0928\u0947 \u0915\u093e \u0928\u093f\u0930\u094d\u0926\u0947\u0936 \u0926\u093f\u092f\u093e\u0964 \u0917\u0941\u091c\u0930\u093e\u0924 \u0915\u0940 \u090f\u0915 \u092e\u0939\u093e\u0928\u0917\u0930\u0940\u092f \u0905\u0926\u093e\u0932\u0924 \u0928\u0947 \u090f\u0915 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u094b \u090f\u0915 \u0938\u093e\u0932 \u0915\u0940 \u091c\u0947\u0932 \u0915\u0940 \u0938\u091c\u093e \u0938\u0941\u0928\u093e\u0908 \u0939\u0948\u0964 \u0938\u093f\u0915\u094d\u0915\u093f\u092e \u0909\u091a\u094d\u091a \u0928\u094d\u092f\u093e\u092f\u093e\u0932\u092f \u0928\u0947 \u0939\u093e\u0932 \u0939\u0940 \u092e\u0947\u0902 \u092b\u0948\u0938\u0932\u093e \u0938\u0941\u0928\u093e\u092f\u093e \u0915\u093f \u0928\u093f\u0917\u094b\u0936\u093f\u090f\u092c\u0932 \u0907\u0902\u0938\u094d\u091f\u094d\u0930\u0942\u092e\u0947\u0902\u091f\u094d\u0938 \u090f\u0915\u094d\u091f \u0915\u0940 \u0927\u093e\u0930\u093e 138 \u0915\u0947 \u0924\u0939\u0924 \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u0915\u094b \u0915\u093f\u0938\u0940 \u092d\u0940 \u0938\u094d\u0924\u0930 \u092a\u0930 \u0915\u0902\u092a\u093e\u0909\u0902\u0921 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>\u091a\u0947\u0915 \u092c\u093e\u0909\u0902\u0938 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u091a\u0947\u0915 \u092c\u093e\u0909\u0902\u0938 \u092f\u093e \u201c\u091a\u0947\u0915 \u0915\u093e \u0905\u0928\u093e\u0926\u0930\u0923\u201c \u0924\u092c \u0939\u094b\u0924\u093e \u0939\u0948 \u091c\u092c \u090f\u0915 \u0905\u0926\u093e\u0915\u0930\u094d\u0924\u093e \u0915\u0941\u091b \u092c\u093e\u0927\u093e\u0913\u0902 \u0915\u0947 \u0915\u093e\u0930\u0923 \u091a\u0947\u0915 \u0938\u0947 \u092a\u0948\u0938\u0947 \u0928\u093f\u0915\u093e\u0932\u0928\u0947 \u092e\u0947\u0902 \u0905\u0938\u092e\u0930\u094d\u0925 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0928\u093f\u0917\u094b\u0936\u093f\u090f\u092c\u0932 \u0907\u0902\u0938\u094d\u091f\u094d\u0930\u0942\u092e\u0947\u0902\u091f\u094d\u0938 \u090f\u0915\u094d\u091f (\u090f\u0928\u0906\u0908 \u090f\u0915\u094d\u091f), 1881 \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u0935\u0930 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948, \u091c\u093f\u0938\u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0927\u0928\u0930\u093e\u0936\u093f \u0915\u0947 \u092c\u093f\u0928\u093e \u091a\u0947\u0915 \u091c\u093e\u0930\u0940 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0930\u094b\u0915\u0928\u093e \u0939\u0948, \u0914\u0930 \u092a\u0940\u095c\u093f\u0924 \u092a\u0915\u094d\u0937 \u0915\u094b \u0915\u093e\u0928\u0942\u0928\u0940 \u0938\u0939\u0941\u0932\u093f\u092f\u0924 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>\u0905\u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0915\u094b\u0937<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u090f\u0928\u0906\u0908 \u090f\u0915\u094d\u091f \u0915\u0940 \u0927\u093e\u0930\u093e 138 \u092e\u0947\u0902 \u091a\u0947\u0915 \u092c\u093e\u0909\u0902\u0938 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0926\u094b \u0915\u093e\u0930\u0923 \u092c\u0924\u093e\u090f \u0917\u090f \u0939\u0948\u0902\u0964 \u201c\u092a\u0939\u0932\u093e, \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0905\u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u092a\u0948\u0938\u093e \u0939\u0948\u0964 \u0926\u0942\u0938\u0930\u093e, \u091a\u0947\u0915 \u0915\u0940 \u0930\u093e\u0936\u093f \u0916\u093e\u0924\u093e\u0927\u093e\u0930\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u092c\u0948\u0902\u0915 \u0915\u0947 \u0938\u093e\u0925 \u0915\u0940 \u0917\u0908 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u0948\u0964 \u0926\u0942\u0938\u0930\u093e \u0915\u093e\u0930\u0923 \u0916\u093e\u0924\u0947 \u0915\u0940 \u0928\u093f\u0915\u093e\u0938\u0940 \u0938\u0940\u092e\u093e \u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0915\u093e\u0930\u0923 \u091a\u0947\u0915 \u0930\u093e\u0936\u093f \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>\u0938\u092e\u092f \u0915\u0947 \u0938\u093e\u0925 \u0915\u0908 \u0905\u0928\u094d\u092f \u0915\u093e\u0930\u0923 \u0938\u093e\u092e\u0928\u0947 \u0906\u090f \u0939\u0948\u0902\u0964<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>\u0939\u0938\u094d\u0924\u093e\u0915\u094d\u0937\u0930 \u092f\u093e \u0938\u0902\u0916\u094d\u092f\u093e \u092c\u0947\u092e\u0947\u0932\u0903<\/strong> \u091a\u0947\u0915 \u092a\u0930 \u092d\u0941\u0917\u0924\u093e\u0928\u0915\u0930\u094d\u0924\u093e \u0915\u0947 \u0939\u0938\u094d\u0924\u093e\u0915\u094d\u0937\u0930 \u0914\u0930 \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u0909\u092a\u0932\u092c\u094d\u0927 \u0928\u092e\u0942\u0928\u093e \u0939\u0938\u094d\u0924\u093e\u0915\u094d\u0937\u0930 \u0915\u0947 \u092c\u0940\u091a \u0935\u093f\u0938\u0902\u0917\u0924\u093f \u0939\u094b\u0928\u0947 \u092a\u0930 \u091a\u0947\u0915 \u0915\u094b \u0905\u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<p><span style=\"color: #000000;\">\u092f\u0926\u093f MICR (\u092e\u0948\u0917\u094d\u0928\u0947\u091f\u093f\u0915 \u0907\u0902\u0915 \u0915\u0948\u0930\u0947\u0915\u094d\u091f\u0930 \u0930\u093f\u0915\u0949\u0917\u094d\u0928\u093f\u0936\u0928) \u0915\u094b\u0921 \u0932\u093e\u0907\u0928 \u092e\u0947\u0902 \u0926\u0930\u094d\u091c \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u091a\u0947\u0915 \u0928\u0902\u092c\u0930 \u092a\u0942\u0930\u094d\u0935-\u092e\u0941\u0926\u094d\u0930\u093f\u0924 \u091a\u0947\u0915 \u0928\u0902\u092c\u0930 \u0915\u0947 \u0905\u0928\u0941\u0930\u0942\u092a \u0928\u0939\u0940\u0902 \u0939\u0948, \u0924\u094b \u0928\u0902\u092c\u0930 \u092c\u0947\u092e\u0947\u0932 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>\u0938\u092e\u093e\u092a\u094d\u0924 \u092f\u093e \u0915\u094d\u0937\u0924\u093f\u0917\u094d\u0930\u0938\u094d\u0924 \u091a\u0947\u0915\u0903<\/strong> \u090f\u0915 \u091a\u0947\u0915 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u091c\u093e\u0930\u0940 \u0939\u094b\u0928\u0947 \u0915\u0940 \u0924\u093e\u0930\u0940\u0916 \u0938\u0947 \u0924\u0940\u0928 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0935\u0948\u0927 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092f\u0926\u093f \u0907\u0938 \u0905\u0935\u0927\u093f \u0915\u0947 \u092c\u093e\u0926 \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u094b \u0907\u0938\u0947 \u0938\u092e\u094d\u092e\u093e\u0928\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<p><span style=\"color: #000000;\">\u092c\u0948\u0902\u0915 \u0915\u094d\u0937\u0924\u093f\u0917\u094d\u0930\u0938\u094d\u0924 \u092f\u093e \u0915\u091f\u0947-\u092b\u091f\u0947 \u091a\u0947\u0915 \u0915\u094b \u092d\u0940 \u0905\u092e\u093e\u0928\u094d\u092f \u0918\u094b\u0937\u093f\u0924 \u0915\u0930 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A court in Maharashtra&#8217;s Thane district sentenced a businessman to rigorous imprisonment for three months and directed him to pay double the bounced amount. A metropolitan court punished a man in Gujarat with a one-year jail sentence. The Sikkim High Court recently [&hellip;]<\/p>","protected":false},"author":1,"featured_media":15446,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4436],"tags":[1073,4553,597,596,4554,4548,4549,4552,4550,4551],"class_list":["post-39148","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-june-articles-2023","tag-bank","tag-bank-account","tag-cheque","tag-cheque-bounce","tag-discrepancy","tag-law-on-cheque-bounce","tag-legal-notice","tag-micr","tag-police-case","tag-signature"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Law on Cheque Bounce - PLY INSIGHT<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/plyinsight.com\/hi\/law-on-cheque-bounce\/\" \/>\n<meta property=\"og:locale\" content=\"hi_IN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Law on Cheque Bounce - PLY INSIGHT\" \/>\n<meta property=\"og:description\" content=\"Cheque bounce is back in the news with three cases making the headlines. A court in Maharashtra&#8217;s Thane district sentenced a businessman to rigorous imprisonment for three months and directed him to pay double the bounced amount. A metropolitan court punished a man in Gujarat with a one-year jail sentence. 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