How to Fill Cheque Correctly: Step-by-Step Guide

Knowing how to fill the cheque correctly ensures your payments go through without issues and keeps your transactions secure. Following the proper steps in your cheque-facilitated transactions prevents errors that could lead to delays or rejections.  

To understand what correctly filling out a cheque entails, read on.  

What is a Cheque? 

A cheque is a written order that tells a bank to pay a specific amount to a designated person or entity. In India, the Negotiable Instruments Act of 1881 governs all cheques. People often use them for personal and business transactions.  

If you fill out a cheque incorrectly, the bank may reject or dishonour cheque, causing processing problems.  

Also Read: What is Cheque Leaf?  

Different Types of Cheques 

Each type of cheque serves different purposes and offers varying levels of security and flexibility. Here are a few types of cheques you need to know about: 

• Bearer Cheque 

A bearer cheque is cashable by anyone who presents it at the bank. It may not specify a payee’s name. That makes it easily transferable but it’s less secure.  

• Order Cheque 

An order cheque is payable only to the named person. The payee must endorse it on the back to deposit it. That adds a layer of security to the transaction.  

• Crossed Cheque 

A crossed cheque has two parallel lines at the top left. It is used to deposit funds directly into a bank account and not cashed directly. That prevents unauthorised cash withdrawals. 

• Post-dated Cheque 

Post-dated cheque is issued for a future date. You cannot cash it until that date arrives. People often use it for scheduled payments and budgeting.  

Detailed Guide to the Parts of a Cheque 

Before you fill out a cheque, you need to understand the various sections that a cheque has. These include: 

Bank Information: The cheque includes the bank’s name and address.  

IFSC: IFSC Code is a unique 11-digit code, combining both numerals and letters.  

Payee Information: This section clearly mentions the name of the recipient of the funds. Date Box: Here, you need to mention the date on which the cheque is issued.  

Rupees: You need to write the amount in words here.  

Account Number: Include the account number to process the payment.  

Signature: The drawer must sign the cheque in the designated space, typically printed with their name above the signature line. 

Amount to Be Transferred: The maximum amount that you can draw.  

Cheque Number: Each cheque has a unique cheque number and MICR code. 

Amount: Write the transferable amount in numbers in this box.  

Also Read: 5 Important Facts of Account Payee Cheque  

Cheque Writing Sample. Here is a sample example of writing a cheque for your reference. Figure 1. 

Cheque Writing Sample and Format 

Filling out a cheque consists of two main parts: writing the cheque and recording the payment. Follow these steps and use the correct cheque fill format to ensure accuracy and prevent dishonour by the bank. 

• Write the Date 

It is mentioned in the top right corner in the format “DD/MM/YYYY.” You can also create a post-dated cheque if needed.  

• Record the Payee’s Name 

Write the payee’s name, who can be an individual or a business. Ensure you spell the name correctly.  

• Write the Amount in Words 

In the designated space for ‘Rupees,’ write the amount in words starting from the left side. Include the word ‘only’ after the amount to prevent tampering. For example, write “four thousand and four ‘only’ if you wish to write a cheque for ₹4,004.  

• Write the Amount in Numbers 

In the box on the right side, write the same amount in numerals, formatted as ‘4004/-’.  

• Sign the Cheque 

Mismatched or incorrect signatures can result in the cheque being cancelled or deemed invalid. Sign the cheque using the same signature you use for other banking transactions.  

 For Example: 

Date: 28/04/2025 

Pay: John Doe 

Amount: ₹5,000.00 

Amount in Words: Rupees Five Thousand Only 

Signature: [Your Signature] 

Filling out a cheque accurately helps you to build trust with lenders when applying for loans. It allows you to avoid charges if your cheque bounces due to an error. This makes it a secure and simplified option for fund transfer.  

If you are looking for a financing option with similar features, check out Fibe’s Instant Personal Loan. With us, you can borrow up to ₹5 lakh instantly. Experience competitive interest rates and repay over a comfortable tenure. Download the Fibe Personal Loan App today or apply on our website for a quick loan solution.  

FAQs on Filling a Cheque 

Can I write the date in any format on a cheque?  

No, there is a specific format for updating the date on a cheque. You need to write the date in the format ‘DD/MM/YYYY’ only.  

What happens if I make a mistake while writing the amount in words?  

In such cases, it is often best to write a new cheque to avoid any issues.  

Is it necessary to include a ‘/–’ sign after the amount in numbers?  

Although it is not necessary, it is best practice to use this sign after the amount in numbers. The ‘/-’ sign indicates an endpoint to your written amount. It helps prevent tampering and clarifies the amount.  

Can someone misuse a cheque with my signature, but no other details filled in?  

Yes, blank signed cheques are likely to be misused. Avoid leaving cheques blank and store them securely to prevent fraud.  

Can I write a cheque for a future date?  

A post-dated cheque has a future date and is not cashable until then. People commonly use it for scheduled payments and budgeting, such as paying rent as tenants.  

How long is a cheque valid after the date mentioned on it?  

In India, a cheque is valid for three months from the date mentioned. After this period, it is considered stale and may not be acceptable for payment by the bank.  

What happens if my signature is mismatched or unclear?  

If you sign a cheque and your signature does not match the specimen signature held by the bank, your cheque will be void.