Reason For Due To Returned

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