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NyayaAI

A cheque given to me bounced

Someone paid you by cheque and the bank returned it unpaid. Answer a few questions and NyayaAI works out the last date to act, where to go, what to do in what order and what to collect.

The time limit

WhatPeriodRuns fromAuthority
Issue the statutory demand notice30 dayss.138 proviso (b) — within 30 days of receipt of information of dishonour.Negotiable Instruments Act, 1881 — s.138 provisos (b) and (c), s.142(1)(b)
Drawer's window to pay (no complaint may be filed before this expires)15 dayss.138 proviso (c) — 15 days from RECEIPT of the notice by the drawer.Negotiable Instruments Act, 1881 — s.138 provisos (b) and (c), s.142(1)(b)
File the complaint1 months.142(1)(b) — within one month of the date the cause of action arises under proviso (c).Negotiable Instruments Act, 1881 — s.138 provisos (b) and (c), s.142(1)(b)

What you will be asked

When did your bank tell you the cheque was returned? The date on the return memo, or the day you were informed — whichever you learnt of first.

Cheque amount (₹)

Have you already sent a legal demand notice to the person who gave the cheque?

What the plan gives you

The last date to act and how many days remain, worked out from the date you enter; the court, commission or authority that hears it; the steps in order; and a checklist of the documents to collect. Signed-in users can also draft the next document: draft the s.138 demand notice; draft the s.138 complaint.

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