By Admin 
Cheque bounce new rules: If you pay someone by check, then take extra precautions while writing the amount. This is because your difficulties may increase if the check bounces.
Taking seriously the cases related to check bounce, the government has made major changes in the Negotiable Instruments Act, 1881, which have come into force from 1 April 2025. The purpose of these changes is to prevent fraud, make payment system transparent and to resolve complaints soon. Let us know in detail about these changes and its impact on people.
Now there will be severe punishment already
Under the new law, now the person guilty will be punished more strict than before if the check bounced. If the check bounced under Section 138 of the NI Act, now the convict can be fined up to two years from the amount of jail and the amount of double amount.
Apart from this, the hearing of check bounces running in the court will also be faster than before. The government has also implemented a digital tracking system to dispose of such cases rapidly. After hearing the cases in the fast-track court, decisions are also being taken soon.
Extended complaint deadline
When the first check bounced, the complainant had to lodge a complaint within a month. Now it has been extended to three months, that is, the complainant will get more time to present his case. Along with this, now complaints related to check bounce can be made online and digital evidence will also be recognized. This will make it easier to file a complaint.
A similar process has been implemented for all banks. That is, the case of check bounce, irrespective of the bank, action will be taken in the same way. If a person’s check is bounced three times in a row, then the bank can also freeze that account.
How to save yourself?
- Keep so balance in your account that there is no check bounce.
- Fill the date and recipient’s name correctly on the check.
- Use good quality ink (black or blue).
- Keep checking the bank statement from time to time.
Check bounce crime
It is a crime to bounce check under Section 138 of the Negotiable Instruments Act, 1881. Under this, imprisonment of up to two years, fine of check amount can be paid up to fine, court fees and legal expenditure. Apart from this, the bank can also impose a fine of 100 to 750 rupees.
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