Cheque Bounce (138 NI Act), explained
When a cheque is dishonoured, the law gives you a short, strict window to act. Missing a single deadline can end your remedy.
Advocate Sonam Kaushal handles cheque bounce cases for both complainants and accused, from the demand notice to the final judgment, before the Magistrate courts at Chandigarh, Mohali, Kharar and Derabassi.
What is covered
How it works
Bank Memo
Keep the cheque and the bank return memo safe. The clock starts from the memo.
Legal Notice
A demand notice is sent within 30 days of receiving the memo.
Wait 15 Days
The drawer has 15 days from receiving the notice to pay.
Complaint
If unpaid, the complaint is filed within one month after the 15 days expire.
Documents to keep ready
Tick what you already have. Exact requirements depend on your case, so call us to confirm.
Check your deadlines
Enter the dates from your papers to see the time limits under Section 138 of the NI Act.
Common questions
The demand notice must be sent within 30 days from the date you receive the bank's return memo.
Imprisonment up to two years, or a fine up to twice the cheque amount, or both.
Generally in the court where the payee's bank account is held, as per Section 142 of the NI Act.
Courts can direct interim compensation of up to 20% of the cheque amount in suitable cases.