Practical guides to writing, issuing, tracking and safeguarding cheques.
33 articles
Dishonour for insufficient funds is a criminal offence under the Negotiable Instruments Act, but only if the notice procedure is followed correctly.
An uncleared cheque is a live commitment against your balance. Keeping statuses current is what makes the number mean anything.
Thirty dated cheques across four agreements is a scheduling problem. The failure mode is forgetting, not insolvency.
A practical monthly routine for paying staff and suppliers by cheque: preparing the list, approvals, vouchers, printing, handover against signature, and reconciling, with notes for India and the Gulf.
IFSC, MICR, SWIFT/BIC and IBAN explained: what each code identifies, its format, where it appears on a cheque, what it is used for, and which one to give when someone asks for your bank details.
Consistent paper feed matters far more than print technology. Any laser or inkjet will do; how it grips a small leaf will not.
Thirteen mistakes that get cheques returned even when there is money in the account, from words and figures mismatches to damaged MICR bands and old merged-bank cheque books, and how to avoid each one.
The security features built into cheque leaves (CTS-INDIA watermark, UV logo, VOID pantograph, MICR band), what Gulf cheques carry, and what you add as the drawer: crossing, ** marks, uppercase and filled gaps.
UAE bounced cheques after the 2022 and 2023 reforms: insufficient funds is no longer a crime, partial payment is mandatory, cheques are directly enforceable, and the bad-faith acts that still carry prison and fines.
What a security cheque is, where lenders, landlords, employers and suppliers ask for one, how Indian and UAE law treat it as of 2026, and practical steps to limit your risk when you hand one over.
The section 138 demand notice after a bounced cheque in India: the 30-day, 15-day and one-month deadlines, what the notice must say, how to deliver it, and how settlement works after Sanjabij Tari (2025).
Add up the licence, the printer you already own, and the per-cheque consumables — then weigh it against a single bounced cheque.
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