Cheque Bounce Case Filing Process (2026) – Step-by-Step Guide
If your cheque has bounced, you have a legal right to file a case under Section 138 of the Negotiable Instruments Act.
Step 1: Cheque Dishonour
Bank returns cheque with reason like:
- Insufficient Funds
- Account Closed
- Signature Mismatch
Step 2: Send Legal Notice (MANDATORY)
You must send a legal notice within 30 days of cheque bounce.
Step 3: Wait for 15 Days
After notice delivery, give 15 days to the drawer to make payment.
Step 4: File Case in Court
If payment is not made, file complaint in Magistrate Court within 30 days.
Documents Required
- Original Cheque
- Bank Return Memo
- Copy of Legal Notice
- Proof of Delivery
Timeline Summary
Cheque Bounce → 30 Days Notice → 15 Days Wait → 30 Days Case Filing
Common Mistakes (Avoid These)
- Sending notice late
- Wrong notice format
- Missing proof of delivery