WHEN a drawer makes a “stop payment order” of a particular cheque, it will be binding on the banker to stop the payment of the cheque, if it is received before the payment of the cheque is made to the payee. But such stop payment order should be made in writing by the drawer, giving the complete details of the cheque number, the payee’s name, the date of the cheque, amount of the cheque and fully signed by the drawer.

What happens when you stop payment on a cheque?

If the stop payment order is received through a mobile phone, the banker must return the cheque to the payee unpaid with the remark, ‘payment stopped by the drawer through phone, written confirmation is awaited”. Here, it should be noted the payment of the cheque is postponed, but not permanently stopped. If the cheque is received in clearing, the cheque should be returned giving the same reason. Payment of the cheque will be stopped after written confirmation to that effect is received from the drawer of te cheque.

Banks do charge some amount as service charge for carrying out the stop payment order.

How do I block an issued cheque in SBI bank?

You can stop payment of the cheque issued by you by two ways

Through internet banking facility
By submitting a letter to the bank in person
It is better that you submit the letter in person to the bank branch, in case you are comfortable to go to the bank branch and get an acknowledgment in the duplicate copy of the letter with date and time of receipt.

The issued cheque can be presented by the payee or holder at any time and you should take action immediately.

In case you happen to be at outstation, use internet banking facility

Reason For Return

CODE NO.	REASON FOR RETURN
	Funds
01	Funds insufficient
02	Exceeds arrangement
03	Effects not cleared, present again.
	Reference to Drawer
04	Refer to drawer
05	Kindly contact Drawer/Drawee Bank and please present again.
	Signature
10	Drawer’s signature incomplete
11	Drawer’s signature illegible
12	Drawer’s signature differs
13	Drawer’s signature required
14	Drawer’s signature not as per mandate
15	Drawer’s signature to operate account not received
16	Drawer’s authority to operate account not received
17	Alteration requires drawer’s authentication
	Stop Payment
20	Payment stopped by drawer
21	Payment stopped by attachment order
22	Payment stopped by court order
23	Withdrawal stopped owing to death of account holder
24	Withdrawal stopped owing to lunacy of account holder
25	Withdrawal stopped owing to insolvency of account holder
	Instrument
30	Instrument post dated
31	Instrument out dated/stale
32	Instrument undated/ without proper date
33	Instrument mutilated; requires Bank’s guarantee
34	Cheque irregularly drawn/ amount in words and figures differs
35	Clearing House stamp/ date required
36	Wrongly delivered/ Not drawn on us
37	Present in proper zone
38	Instrument contains extraneous matter
39	Image not clear, present again with paper
40	Present with document
41	Item listed twice
42	Paper not received
	Account
50	Account closed
51	Account transferred to another branch
52	No such account
53	Title of account required
54	Title of account wrong/ incomplete
55	Account blocked (situation covered in 21-25)
	Crossing/Endorsement
60	Crossed to two banks
61	Crossing stamp not cancelled
62	Clearing stamp not cancelled
63	Instrument specially crossed to another bank
64	Amount in protective crossing incorrect
65	Amount in protective crossing required/illegible
66	Payee’s endorsement required
67	Payee’s endorsement irregular / requires collecting bank’s confirmation
68	Endorsement by mark/ thumb impression requires attestation by Magistrate with seal
	RBI /Government
70	Advice not received
71	Amount / Name differs on advice
72	Drawee bank’s fund with sponsor bank insufficient
73	Payee’s separate discharge to bank required
74	Not payable till 1st proximo
75	Pay order/ cheque requires counter signature
76	Required information not legible/ correct
	Miscellaneous
80	Bank’s certificate ambiguous/ incomplete/ required
81	Draft lost by issuing office/ confirmation required from issuing office
82	Bank/Branch blocked
83	Digital Certificate Validation failure
84	Other reasons-connectivity failure
85	Alterations on instrument- Other than “Date” field (Alteration/correction on instruments are prohibited under Cheque Truncation System. Return reason code applicable to instruments presented in CTS)
86	Fake/Forged/Stolen-draft/cheque/cash order/interest warrant/dividend warrant
87	‘Payee’s a/c credited’- Stamp required
88	Other reasons (Please specify)
92	Bank Excluded

Illustrative but not exhaustive list of objections where customers are not at fault

(Applicable for instrument and image-based Cheque Clearing as detailed in Annexure D to Uniform Regulations and Rules for Bankers’ Clearing Houses)

Code No.	Reason for Return
33	Instrument mutilated; requires bank’s guarantee
35	Clearing House stamp/date required
36	Wrongly delivered/ not drawn on us
37	Present in proper zone
38	Instrument contains extraneous matter
39	Image not clear ; present again with paper
40	Present with document
41	Item listed twice
42	Paper not received
60	Crossed to two banks
61	Crossing stamp not cancelled
62	Clearing stamp not cancelled
63	Instrument specially crossed to another bank
67	Payee’s endorsement irregular/ requires collecting bank’s confirmation
68	Endorsement by mark/ thumb impression requires attestation by Magistrate with seal
70	Advice not received
71	Amount/ Name differs on advice
72	Drawee bank’s fund with sponsor bank insufficient(applicable to sub-members)
73	Payee’s separate discharge to bank required
74	Not payable till 1st proximo
75	Pay order/cheque requires counter signature
76	Required information not legible/correct
80	Bank’s certificate ambiguous/ incomplete/required
81	Draft lost by issuing office; confirmation required from issuing office
82	Bank/ Branch blocked
83	Digital Certificate validation failure
84	Other reasons-connectivity failure
87	‘Payee’s a/c Credited’-Stamp required
92	Bank excluded