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How to Write Cheque in India | Step By Step Guide

Even though many people are switching to digital ways to transfer money, cheques are still in trend.

Cheques are the most straightforward, cheapest, and hassle-free way to transfer money. The best thing about moving money through cheque is that transparency is maintained throughout the process as both the giving and receiving parties must be physically present.

Filling the cheque with the correct information is essential because the cheque would bounce, or money would not be debited to the target receiver.

If you are someone who is filling the cheque for the first time or want to avoid confusion, this article will guide you to steps while filling the cheque.

You can write a cheque in any sequence as long as you do not miss any column or information to fill. In this article, we guide you from the start of the cheque, i.e., top to bottom, to avoid skipping any information.

Also Read: How to Transfer Money From Credit Card to Bank Account (Online & Offline)

How to Write Cheque – Step By Step Guide

Step 1:The Date of The Writing Cheque

You will find the box on the top right corner of the cheque. You have to write the current date on the line given in the box. This allows the receipt to keep the records.

Step 2: Payee

You will see the Pay to the order of the line. On that line, write the person’s name or an organization you are paying for. This information confirms and gives precise information to whom you are sending money.

If you do not know or are not sure of the person or organization’s proper name, you can just write the word “cash.” Anybody can cash or deposit a cheque, having the name “cash”, so confirm submission in the right hand or not to lose the cheque.

Step 3: Payment Amount in Numbers

You have to write the amount you are paying two times on the check.

Write the paying amount numerically in the small box on the right side.

Be sure this amount is clearly visible and neatly written, as it will get subtracted from your bank balance.

Step 4: Payment Amount in Words

You will see a line below the “Pay to the order.” Here write out the amount you wrote in numeric format.

Writing the amount in words makes the bank understand and confirm the amount you have written in the numeric form. It also prevents fraud and confusion. If the numeric amount and amount in words are different, consider the amount written in words.

Step 5: Signature

This is the most important step as it completes the cheque-writing process and ensures the cheque’s validity.

At the bottom right-hand corner, sign your name. You should sign the same signature you used when you opened the bank account. The signature indicates your agreement on the paying amount and to the correct payee.

Step 6: Memo

The memo states the reason behind writing a cheque. It is an optional part. You can write why you are writing the cheque on the left-hand side box. For example- You are paying tuition fees. Then, your memo will be – Tuition fees.

About Cheque Register

When receiving the cheque book, the bank gives you a cheque register.

If you did not receive it, it is recommended to get one, as it has numerous benefits.

You can record all your ATM withdrawals, debit card payments, and deposits in the cheque register or cash disbursements journal.

A cheque register has columns such as:

  •  Check number or category.
  • Date of transaction
  • Description or notes
  • Debit and credit associated with the transaction
  • Account balance

This helps you to manage and break down transaction information. You can easily keep track of your spending by using cheque registers.

Do’s While Writing a Cheque:

1. Use a Pen

Use a pen, which has blue or blank ink. If you use a pencil, anyone can erase or alter information and make it easy to steal. Thus, writing with a pen is recommended.

2. Writing a Value

You must write the amount correctly and clearly to prevent it from stealing and changing. Try to write a number to the left side mainly, and after writing the amount, draw a line, so nothing can be added.

3. Similar Signature

Avoid signing the cheque with a different sign. If you do so or any other person does, the bank will not accept the statement. This prevents the cheque owner from fraud and misuse. Thus, maintain check consistency.

4. Carbon Copy Cheques

You find certain cheque books with carbon paper between the actual and feasible check. You can easily track your spending through these checkbooks without a checkbook register.

Don’ts while writing a cheque:

1. Blank Cheques:

Fill in all the information asked in the cheque. If you skip any column or line to fill, your check will be considered illegal or get into the wrong hands. Cross verify the filled information before submitting the check.

2. Avoid Addressing Cheque to “Cash.

Anyone can use the cheque if you write “CASH” in front of the payee line. So, prefer not to address the check to “CASH.”

3. Do Not Submit a Cheque Without Checking :

You are not permitted to correct an error after you write a cheque. To make them easy and hassle-free transfer, cross verify the filled information.

4. Do Not Lose Your Cheque:

Keep your cheque and cheque books in a safe place. If you lose a check, then report to the bank immediately. Your bank will freeze and cancel all the remaining checks.

FAQ on How to Write Cheque

Q. What is the Cheque?

Ans – A cheque is a paper that orders a specific bank to pay a specific amount of money from a person’s account to the addressed person in the cheque. 

Q. Who introduced the cheque system in India?

Ans – In the early century, the Bengal Bank introduced a cheque system to India.

Q. Can I write a cheque to myself?

Ans – Yes, you can write a cheque to yourself, i.e., you can write your name in the payee section. You can withdraw or transfer your money through ATMs, mobile apps, or bank branches.

Q. Can I use any cheque and any bank to withdraw money?

Ans – Yes, you can withdraw your money through any cheque-in at any bank. All you need is a sufficient balance in the account from which you deposit the money.

Q. Can I use the one cheque twice?

Ans – The bank does not allow you to deposit money through the same cheque. You have to write another review if you want to transfer money to another palace.

Q. Can I redeposit the bounced cheque?

Ans – Yes, you can, or the bank will redeposit the bounced cheque if you have sufficient amounts in your bank account.

Q. What is cheque validity?

Ans – Personal, business, and payroll cheques are valid for upto 6 months.

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