Cheque Bounce Kya Hota Hai — Legal Notice Process Penalty & Court Case Section 138 NI Act

Cheque Bounce — Kya Yeh Criminal Offence Hai?

Haan! Cheque bounce (dishonour) Section 138 of Negotiable Instruments (NI) Act, 1881 ke under ek criminal offence hai jisme 2 saal tak ki jail aur cheque amount ka double penalty ho sakti hai.

Cheque Bounce Kab Hota Hai?

• Account mein insufficient funds
• Signature mismatch
• Account closed / frozen
• Post-dated cheque time se pehle present karna
• Cheque overwriting ya tampering

Penalty (Bank Charges) for Cheque Bounce

Bank	Cheque Return Charge
SBI	Rs. 150 to Rs. 500 + GST
HDFC Bank	Rs. 350 to Rs. 750 + GST
ICICI Bank	Rs. 350 + GST
PNB	Rs. 100 to Rs. 300 + GST

Section 138 Legal Process — Step by Step

1. 30 Days: Payee (jisko cheque mila tha) Bank Return Memo milne ke baad 30 din ke andar Legal Notice bhejta hai cheque issuer ko.
2. 15 Days: Cheque issuer ke paas 15 din hain payment karne ke liye notice milne ke baad.
3. 30 Days: Agar payment nahi karta toh payee 30 din mein Magistrate Court mein complaint file kar sakta hai.
4. Court Decision: Dosh sabit hone par — 2 saal jail ya cheque amount ka double fine ya dono.

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