Hi friends,

Aaj ke article mei hum jaanenge 14 types of cheques ke baare mei.

Sabse pehle jaan lete hai ki cheque hota kya hai. Cheque ek order hai jo hum bank ko dete hai. Jismei likhe account number se woh payment karta hai.

Yeh ek negotiable financial instrument hai matlab agar aapne cheque mei kisi khaas aadami ka naam indicate nahi kiya hai toh payment koi v le sakta hai.

14 Types of cheques:-

Bearer Cheque

types of cheques
sbinetbanking.org

Bearer cheque mei jis aadami ka naam likha hota hai woh ya koi aur cheque se payment le sakta hai.

Yeh ek negotiable cheque hota hai. Iss tarah ke cheque mei generally identification ki jarrurat nahi hoti hai. Agar kisi ko heavy amount hota hai tab hi ID proof lagta hai.

Yeh cheque bot risky cheque hota hai kyu ki bearer cheque mei naam hone ke bawajood kisi third party ko mil jaata hai toh third party assani se cheque se payment nikal sakta hai.

Order Cheque

types of cheques
sbinetbanking.org

Order cheque mei bearer ki jagah order cheque likha huwa hota hai. Aap chahe toh bearer kko cross kar ke order cheque bana sakte ho.

Yeh ek negotiable cheque hota hai. Agar order cheque Anik Kumar ke naam pe issue huwa hai. Toh Anik Kumar uss order cheque ko kisi 3rd party ko issue kar sakta hai, But uss order cheque mei Anik Kumar ka sign hona compulsory hai.

Iss tarah ka cheque mei bank waale aapse ID proof maagenge. Yeh ek safe cheque hai.

Crossed Cheque & A/C Payee Cheque

types of cheques
sbinetbanking.org

Crossed cheque aur A/C payee cheque mei ek minor difference hota hai. Agar aap kisi cheque ke left upper corner mei ek parallel line draw karte ho toh woh crossed cheque ban jaata hai.

Crossed cheque ka matlab paisa cash mei withdrwal nahi ho sakta hai. Yeh sirf acount mei deposit hoga. Crosssed cheque negotiable cheque hota hai.

Agar Anik Kumar ke naam pe crossed cheque issue huwa hai toh Anik Kumar kisi third party ko iss cheque ko issue kar sakta hai but paisa sirf account mei hi deposit hoga cash nahi milega.

Anik Kumar ko third party ko crossed cheque issue karne ke liye usmei sign karna hoga.

types of cheques
sbinetbanking.org

Ab baat karte hai A/C Payee ki. Agar crossed cheque mei Anik Kumar ka naam hai aur parallel lines mei likha huwa hai A/C Payee. Toh yeh cheque sorf Anik Kumar ke account mei hi deposit hoga.

Yeh ek non-negotiable cheque hai. Anik Kumar 3rd party ko yeh cheque issue nahi kar sakta hai.

Special Crossed Cheque

types of cheques
sbinetbanking.org

Iss tarha ke cheque mei kisi specific bank ka naam likha huwa hota hai jaise ki AXIS Bank. Yaani yeh cheque sirf Axis Bank ke A/C mei hi paisa deposit ho sakta hai aur kisi bank mei nahi.

Yeh negotiable cheque hota hai.

Open Cheque or Un-Crossed Cheque

types of cheques
sbinetbanking.org

Yeh ek normal cheque hota hai jsia ki bearer cheque. Open or Un-crossed cheque negotiable ke sath sath bot risky cheque hota hai.

Blank Cheque

types of cheques
sbinetbanking.org

Blank cheque ek ais acheque hota hai jismei sirf cheque holder ka sign hota hai. Na toh ussmei Payee ka naam hota hai aur na hi amount aur date.

Yeh bot hi jayada risky cheque hota hai. Isse account Payee v bana sakte hai.

Blank cheque ka use generally hum tab karte hai jab hume koi loan payment karne hote hai. Uss waqt bank hum se ek blank cheque leta hai taaki woh loan ka payment le sake.

But aapko uss blank mei limit set karna hota hai taaki mis use na ho sake.

Jise ki aapne agar 15 lakh ka loan liya hai toh aap uss blank cheque mei likh sakte hai “Max. Limit 15 lakh”.

Post-Dated Cheque

types of cheques
sbinetbanking.org

Post Dated cheque mei aap date mei future date likhte ho. Generally post dated cheque kla use kisi educational institute mei fees pay karne ya lease payment, loan re payment karne mei hoti hai.

Self Cheque

types of cheques
sbinetbanking.org

Self cheque ka use tab kiya jaata hai jab aap khud cash nikaalna chahte ho. Ya phir aapke behalf mei koi cash le sakta hai. Ismei hum payee mei “Self” likhte hai.

Self cheque mei kv cross mat kijiyega warna cash naji milega.

Banker’s Cheque

types of cheques
sbinetbanking.org

Banker’s Cheque, bank ke through issue kiya jaata hai. Iss cheque ke khaas baat yeh hai ki yeh kv insufficient balance ke wajah se bounce nahi hota hai.

Yeh non-negotiable hota hai. Generally educational institute mei banker’s cheque demand kiya jaata hai.

Yeh sirf same city mei payable hai. Iski validity 3 months ke hoti hai. Yeh A/C Payee hota hai.

Cancelled Cheque

types of cheques
sbinetbanking.org

Cancelled cheque basically kisi ko pane bank accounts deatils dene ke liye kiya jaata hai. Issmei hum parallel lines mei likhte hai cancelled.

Stale Cheque

types of cheques
sbinetbanking.org

Stale cheque unn cheques ko kaha jaata hai jo expired ho jaate hai. Yaani agar hum 7 April 2019 ko cheque karte hai aur 3 mahine baad yeh expired ho jaata hai. Tab hum isse Stale cheque bolenge.

Cheque ke expire hone ke baad hum usse use nahi kar sakte hai.

Mutilate Cheque

types of cheques
sbinetbanking.org

Mutilated Cheque unn cheques ko kehte hai jo damaged ho jaate hai. Jiase ki koi cheque paani mei wash ho gaya hai ya kat- phat gaya hai ya meeti se ganda ho gaya hai.

Agar un n cheques mei MICR code thik hai aur Payee, Amount, date aur sign clearly dikh rha hai toh aapka payment hoga warna nahi hoga.

Gift Cheque

types of cheques
Image- Google.com

Jab koi occasion mei prizes ya gift ke mei cheques diye jaate hai toh woh gift cheques hote hai. Yeh cheques pr-printed hote hai aur size mei bot bade hote hai. Generally aapne cricket mei prize money mei bade se cheque ko dete huwe deekha hoga.

Traveler’s Cheque

types of cheques
Image- Quora.com

Traveler’s cheque ek fixed amount ka cheque hota hai jisko aap cash karwa karwa sakte ho ya foreign country mei uss cheque se payment kar sakte ho.

Yeh traveler cheque aapko apne bank se issue karwana hoga. Iske kuch charges lagte hai. Agar apne traveler cheque ko spend ni kiya toh aap isse apne bank ko wapas kar skate hai. Aapka saara paisa refund kar diya jaayega.

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