Cheque Stop Payment & Lost Cheque Leaf Mandate

चेक भुगतान रोकने का निर्देश प्रपत्र (Stop Payment Mandate)

यह फॉर्म गाइड हिंदी में पढ़ें (Read in Hindi) →

Instructing the bank branch to immediately dishonour or block payment on a misplaced, stolen, or disputed cheque leaf.

Documents required (आवश्यक दस्तावेज)

• Cheque Leaf Number & Date
• Drawee Name & Exact Amount
• Account Holder Signature registered with bank

Key details

• Authority: Nationalised / Scheduled Commercial Bank Branch
• Stamp paper / fee: None (Nominal bank service charge applies)
• How to submit: Bank NetBanking Portal or Physical Counter Submission
• Processing time: Immediate (Real-Time Block)
• Official portal: https://rbi.org.in

How to apply

1. Identify Cheque Particulars Immediately

   Locate the exact 6-digit cheque number, issuance date, payee name, and exact amount from your cheque counterfoil or record slip.

2. Choose Fast Reporting Channel

   Initiate stop payment instantly through Mobile Banking or Internet Banking, or visit the home branch with a written stop payment mandate.

3. Fill the Stop Payment Application Form

   Enter your account number, cheque leaf number, amount, date, payee name, and explicit reason for stopping payment (lost, stolen, or disputed).

4. Submit Signed Request to Branch Operations Desk

   Hand over the mandate signed by the authorized account signatory matching bank records and pay applicable bank stop payment charges.

5. Obtain Stamped Acknowledgment and Confirmation

   Secure a stamped duplicate copy or electronic SMS/email reference confirming that the cheque leaf has been successfully blocked in the core banking system.

How to fill the form

• Clearly write your 11 to 16-digit bank account number and branch name at the top of the form.
• Specify the exact 6-digit cheque number printed at the bottom of the cheque leaf.
• Write the exact amount in figures and words as written on the issued cheque; if blank, specify as blank cheque.
• State the specific reason for stop payment such as 'Cheque Lost in Transit', 'Stolen Leaf', or 'Commercial Transaction Cancelled'.
• Affix signatures matching the authorized signature card held on record with the bank.

Common mistakes to avoid

• Entering an incorrect cheque serial number, causing the wrong cheque to be blocked while the intended cheque clears.
• Delaying submission until after clearing cut-off hours when the cheque has already entered clearing presentation.
• Providing signatures that do not match bank records, leading to rejection of the stop payment request.
• Not maintaining a copy of the stamped bank acknowledgment for legal protection under Negotiable Instruments Act.

Frequently Asked Questions

Can a stopped cheque still be cleared by the bank?

Once the stop payment mandate is registered in the core banking system, the system automatically rejects presentation of that cheque leaf.

Does stopping payment on a cheque have legal implications?

Yes. If a cheque issued against a legally enforceable debt is stopped without valid legal grounds, payee may initiate legal proceedings under the Negotiable Instruments Act.

Are there charges for stopping payment on a cheque?

Yes, banks levy nominal service charges per cheque leaf or series as per their individual schedule of service charges.

How quickly is a stop payment instruction implemented?

When done via net banking or mobile banking, it takes effect instantly in real-time. Over the counter, it takes effect once entered by the branch officer.

Can a stop payment instruction be cancelled later?

Yes, the account holder can submit a written revocation letter to the bank requesting withdrawal of the stop payment mandate.

More forms in Banking & Financial Services

• Bank Account Re-KYC & Address Updation Form
• Form 15G / Form 15H (Zero TDS on Fixed Deposits)
• Revised Bank Safe Deposit Locker Agreement
• CIBIL / Credit Bureau Dispute Resolution Request
• EPFO Form 19 (Final Provident Fund Settlement Claim)
• EPFO Form 10C (EPS Pension Scheme Withdrawal Benefit)
• EPFO Form 31 (Non-Refundable EPF Advance Withdrawal)
• Bank Cash Deposit Slip (Pay-in Slip Challan)

Share on WhatsApp

← All forms on FormSutra