How to Fill Cheque: A Step-by-Step Guide for Beginners

 Bank cheque fill karna thoda tricky lag sakta hai, lekin agar aapko sahi tarike se samajh mein aaye, toh yeh kaafi simple ho sakta hai. Is blog mein hum aapko bataenge ki aap ek bank cheque ko kaise sahi tareeke se bhar sakte hain, taaki koi confusion na ho. Chaliye shuru karte hain!

How to Fill Cheque: A Step-by-Step Guide for Beginners

Cheque Ke Basic Parts Samajhna:

Sabse pehle, aapko yeh samajhna zaroori hai ki bank cheque mein kaunse main sections hote hain. Har cheque ke kuch basic components hote hain jo important hote hain:

• Date: Cheque pe aapko date likhni hoti hai, jo ki us din ki date hoti hai jab aap cheque fill kar rahe hain.

• Payee Name: Yeh wo person ya entity ka naam hota hai jise aap paise dena chahte hain.

• Amount in Words: Aapko cheque pe jo amount hai, use words mein likhna hota hai.

• Amount in Figures: Yeh wo amount hai jo aap numbers mein likhte hain.

• Signature: Aapka signature jo bank records ke liye zaroori hai.

• Account Number & Branch Details: Yeh part automatically pre-printed hota hai, jo aapke bank account ke details dikhata hai.

Step-by-Step Guide to Filling the Bank Cheque

Ab hum aapko step-by-step bataenge ki kaise cheque ko fill karna hai

• a) Date Bharna 

Cheque ke upper left corner mein ek box hota hai jahan aapko date likhni hoti hai. Yeh date wahi din ki honi chahiye jab aap cheque fill kar rahe hain. Date likhne mein format ka dhyaan rakhein - Jaise, "21 March 2025".

• b) Payee Name Likhiye 

Cheque ke "Pay to the order of" ke box mein, aapko jisko paise dene hain, uska naam likhna hota hai. Agar aap kisi ko personal payment kar rahe hain, toh unka naam likhen. Agar yeh business payment hai, toh business ka naam likhen.

Example: "Pay to the order of Mr. Ravi Sharma."

• c) Amount in Figures 

Cheque ke amount section mein, jo amount aap pay karna chahte hain, usse figures mein likhna hota hai. Yeh number ko clearly likhna zaroori hai, taaki koi confusion na ho.

Example: "₹5000"

• d) Amount in Words 

Yeh sabse important part hai. Jo amount aapne figures mein likha hai, usi ko words mein likhna hota hai. Agar aap ₹5000 likhte hain, toh words mein likhenge "Five Thousand Only". Yeh cheque ke validity ke liye important hota hai. Agar yeh missmatch hota hai, toh bank cheque ko reject kar sakta hai.

Example: "Five Thousand Only."

• e) Sign Your Cheque 

Cheque ke bottom right corner pe, aapko apna signature dena hota hai. Yeh signature aapke bank account mein registered signature ke saath match hona chahiye. Agar signature match nahi hota, toh cheque clear nahi hota.

. Important Tips to Keep in Mind

Cheque bharte waqt kuch important tips yaad rakhein:

• Neatness is key: Cheque ko clean aur clear likhna zaroori hai. Agar koi letter ya number unclear hota hai, toh bank usse reject kar sakta hai.

• Avoid overwriting: Agar aap koi mistake karte hain, toh cheque ko dobara bharna zaroori hota hai. Overwriting se cheque invalid ho sakta hai.

• No Blank Spaces: Cheque pe koi blank space na chhodein. Agar aapko lagta hai ki aapko koi space zaroori nahi hai, toh usse cross kar dein.

• Cross Your Cheque for Security: Agar aapka cheque kisi aur ko pay karna hai, toh uske upar "A/c Payee Only" likhkar cross kar dein. Isse cheque sirf payee account ke liye valid hoga.

 Different Types of Cheques 

Aapko yeh bhi samajhna hoga ki bank cheques ke kuch types hote hain, jo different situations ke liye use hote hain:

a) Bearer Cheque:

Is type ke cheque ko koi bhi insaan payee ke naam par lekar encash kar sakta hai.

b) Account Payee Cheque:

Yeh cheque sirf us specific person ya company ke account mein hi cash ya deposit ho sakta hai jiska naam cheque par likha ho.

c) Crossed Cheque:

Yeh ek secure cheque hai jisme "A/c Payee Only" likha hota hai aur iske through payment sirf bank account mein hi hota hai.

 

Common Mistakes to Avoid While Filling a Cheque

Cheque ko fill karte waqt kuch common mistakes hain jo aapko avoid karni chahiye:

• Incorrect Amount in Words or Figures: Agar aap amount ko words mein ya figures mein galat likhte hain, toh cheque reject ho sakta hai.

• No Signature: Signature ke bina cheque invalid hota hai, toh hamesha apna signature dena na bhoolen.

• Leaving Blank Spaces: Cheque par koi blank space chhodna, khaas kar amount likhne ke baad, aapke cheque ko risky bana sakta hai.

Conclusion

Toh, ab aapko samajh mein aagaya hoga ki kaise ek bank cheque ko fill karna hai. Yeh process simple hai, bas aapko dhyaan dena hoga ki har step ko accurately follow karein. Cheque bharte waqt thoda dhyaan dena zaroori hai, taki koi mistake na ho aur cheque smoothly clear ho sake.

Agar aapko kisi bhi step mein confusion ho, toh apne bank se clarification le sakte hain. Aapka time valueable hai, toh cheques ko sahi tareeke se bharna zaroori hai. Happy Banking!