Same Day Check Clearing: There is a big good news for bank customers. According to the new guidelines of the Reserve Bank of India (RBI), from January 3, 2026, checks deposited over the counter will be cleared in just 3 hours.

Actually, check clearance is being implemented by the Reserve Bank in two phases. The first phase of these has been implemented from October 4, in which checks are being cleared in a day. That means the check deposited in the morning is getting cleared by the evening. The purpose of this step of RBI is to improve the facilities provided to the customers by reducing the clearing time.

Now the rules are even stricter

From January 3, 2026, after the check is deposited, it will be sent to the drawee bank, i.e. the bank to which your check belongs or from whose account the money is to be deducted. The bank will have to respond within the stipulated time. Suppose if a person deposits a check between 11 am and 12 noon, then he has to tell the bank by maximum 3 pm whether the check has passed or failed. For example, if the check has a wrong date or signature is wrong, there is a mistake in the account number, then it is stopped from being passed. If no response is received from the bank even within the stipulated time, the check will be automatically considered passed and settled.

What is the difference between the two stages?

Currently, under the first phase, checks are being sent to the clearing house continuously from October 4 from 10 am to 4 pm. Banks have to confirm whether the check has been passed or returned by 7 pm. In the second phase, the rules will become even more strict, in which the bank will have to confirm the check after three hours of deposit. For example, if a customer deposits a check between 11 am and 12 noon, the bank will have to be informed by maximum 3 pm whether the check has been passed or not. If the bank does not give the information on time, then as per the rules the check will be automatically considered passed and it will be settled.

How is the check cleared?

• Usually the check is deposited in the bank between 10:00 am to 4:00 pm.
• After scanning it, the bank digitally forwards it to the clearing house.
• Now the drawee bank or the paying bank has to pass or fail the check received from the clearing house.
• If the bank does not respond within the time limit, the check is considered valid and the process of settlement starts.
• Money is credited to the account one hour after settlement.

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RBI Check Clearing Rules: The new check clearing system of the Reserve Bank of India (RBI) has been implemented from October 4, 2025, but now problems are being faced in it. RBI started this new system with the aim so that after depositing the check in the bank, it gets cleared within hours and money comes into the account immediately.

However, now due to technical glitches and lack of proper training of employees, the check clearing and settlement system is facing problems. In such a situation, even after the implementation of the new system, people have to wait for more than two days for the check to be cleared, whereas the plan was that the check should be cleared immediately and money should come into the account immediately.

Bank customers are getting worried again

According to the report of The Telegraph, a resident of Jadavpur area in Kolkata said, I had deposited the check of Indian Bank in my current account of IndusInd Bank on Tuesday morning. First I was told that under the new system the check would be cleared in a single day. Later, when the money was not credited to my account till evening, I was told to send the check for clearance in the old manner due to a problem with the scanning machine. Like before, I was assured that the money would be credited to my account by the next evening, but even after more than 48 hours, no update came.

Why is there a delay?

In most banks, staff are worried about inadequate training on the new system, poor and blurry check images and different methods of scanning. They believe that under the new system they are facing challenges like hasty scanning, poor quality of scanning, incomplete or blurred images of cheques, which are delaying the settlement. In many banks, staff are taking training on the new system.

This problem is seen more in small towns or non-metro cities than in big cities, where employees have not yet become accustomed to the new system. An official of the government bank says that such problems had also arisen at the time of introduction of the CTS system. It is hoped that this time too the situation will be under control soon.

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