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A cheque is a widely used method of payment in India and across the globe. However, many people are still unsure about the correct way to fill one out. This guide will walk you through how to fill a cheque correctly, including key tips, common mistakes, and bank-specific formats.
How to Fill a Cheque Correctly: Step-by-Step
- Date – Write the current date in the top right corner (DD/MM/YYYY).
- Payee Name – Mention the full name of the person or organization you’re paying.
- Amount in Numbers – Enter the amount in the small box using numerals.
- Amount in Words – Write the amount in words clearly. End with ‘only.’
- Signature – Sign at the bottom right as per your bank records.
Ensure there are no overwrites, spelling errors, or blank spaces that can lead to fraud.
Also Check: All Bank Name List in India
Steps to Fill Cheque
Here’s a more detailed breakdown:
- Use black or blue ink only.
- Avoid abbreviations in the payee’s name.
- Never leave spaces before or after words.
- Do not overwrite or use correction fluid.
How to Fill Cheque in SBI, HDFC, ICICI & Other Banks
Though the process is generally the same, here are some quick tips for specific banks:
SBI Cheque:
- Write “A/C Payee” for secure transactions.
- Mention “Self” only when withdrawing your own money.
HDFC & ICICI Cheque:
- HDFC often requires additional details like mobile number on the back for third-party cheques.
- ICICI prefers neat handwriting and rejects unclear cheques.
Cheque Filling Format in India
- Date: Top right (e.g., 10/04/2025)
- Payee: “XYZ Pvt Ltd”
- Amount: ₹5,000 → In numbers: 5000.00 | In words: Five Thousand Only
- Signature: As per your account
You can also write “Non-Negotiable” if you’re issuing the cheque to someone you don’t know personally.
How to Write Amount in Cheque
- In numbers: Right-aligned in the box (e.g., ₹ 10,500.00)
- In words: Start from the left and write in capital or title case (e.g., Ten Thousand Five Hundred Only)
Add a dash (–) after “Only” to prevent misuse.
How to Sign a Cheque
- Use the same signature as in your bank records.
- Place your signature at the bottom right corner.
- Avoid touching other elements like the amount or payee name.
Also Check: Essay on Bank
How to Cancel a Cheque
To cancel a cheque:
- Draw two parallel lines across the cheque.
- Write “CANCELLED” between them.
- Don’t sign it.
Cancelled cheques are often used for KYC or setting up ECS mandates.
What is Bearer Cheque and How to Fill It?
A bearer cheque allows anyone holding the cheque to encash it. To issue one:
- Don’t strike off the word “Bearer”.
- Fill the rest of the cheque normally.
Risk: If lost, anyone can use it. Avoid for large sums.
How to Write Self Cheque
Write “Self” in the payee field if you’re withdrawing cash from your own account. This is valid only if you, the account holder, are presenting the cheque.
Common Mistakes While Filling a Cheque
- Leaving blank fields
- Overwriting or scribbling
- Mismatched signature
- Inconsistent amounts (words vs numbers)
These can lead to cheque rejection or misuse.
Cheque Writing for Beginners and Students
For beginners:
- Practice on a photocopy first.
- Ask your bank for sample cheques.
- Refer to examples online.
For students, cheques are useful for fee payments and bank account verification.
Sample Filled Cheque Image
You can find samples on your bank’s website or request a dummy format at the bank branch. Search for:
- Filled SBI cheque image
- Filled HDFC cheque example
Is It Okay to Overwrite or Use Pencil to Fill a Cheque?
No. Always use pen (preferably blue or black). Overwriting, erasing, or using a pencil will make the cheque invalid.
Conclusion
Writing a cheque may seem daunting at first, but with this guide on how to fill a cheque and its related subtopics, you can avoid errors and complete transactions with confidence. Always double-check your details and consult your bank if unsure.
FAQs on How to Fill Cheque
How do I fill in a cheque?
To fill in a cheque: Write the date (DD/MM/YYYY). Mention the payee’s name clearly. Write the amount in numbers in the box. Write the amount in words on the line. Sign in the bottom right corner.
How to correctly fill out a check?
Use a blue/black pen. Avoid overwriting. Use capital letters for clarity. Strike off “Bearer” if writing an A/C Payee cheque.
How to fill a 1 lakh cheque?
In words: 'One Lakh Only'. In numbers: '₹1,00,000.00'. Make sure the words match the numerals, and avoid spaces.
How do you write a cheque for yourself?
Write “Self” in the payee section. Fill in the amount and date. Sign it as usual.
How to fill a self-account cheque?
Mention 'Self' as payee. Fill amount in digits and words. Don’t strike out 'Bearer' if you’re encashing it at a bank.
How do I write a check to myself?
It’s the same as writing a self cheque: Write your name or 'Self'. Sign and fill out the rest of the details.
How to fill a cheque deposit slip?
Mention your account number. Write the cheque number and issuing bank. Fill in the cheque amount. Attach the cheque and sign the slip.
How to deposit a check with slip?
Complete the deposit slip with accurate details. Endorse the cheque on the back with your signature. Submit both at the deposit counter or drop box.
How do I fill in a cheque?
Fill date → Payee → Amount in numbers → Amount in words → Signature.
How to fill a cheque book of Union Bank?
Start with the first cheque. Fill in details as per standard cheque rules. Use clear handwriting, avoid overwriting, and use 'A/C Payee' for transfers.
How do I fill out a cheque?
Double-check amounts. Avoid blank fields. Use hyphens after words like 'Only'.
How to deposit a cheque in Union Bank?
Fill cheque deposit slip (Union Bank slip). Attach the cheque. Submit to counter/dropbox. Keep the counterfoil as proof.
How do you fill out a bank cheque?
Date, Payee, Amount (in numbers & words), Signature. Strike 'Bearer' if not needed.
How do I write a cheque for RTGS?
Write 'RTGS' in the remarks. Mention payee’s full name and amount. Use A/C Payee Only. Fill RTGS application form alongside the cheque.
How to fill cheque for RTGS in Union Bank of India?
Fill in Union Bank RTGS form with beneficiary name, IFSC code, and account number. Attach cheque with 'RTGS' in remarks.
How to fill a cheque for transfer money?
Write beneficiary details. Use A/C Payee Only. Mention account number or purpose at the back.
How to fill check deposit slip of SBI?
Fill SBI deposit slip: Date, Branch name, Account number, Cheque details, and Signature. Submit along with the cheque.
How do you fill out a cheque deposit slip?
Include your full name and account number, bank branch details, cheque amount and number. Attach cheque securely.
How do you fill out a checking deposit slip?
In India, use 'cheque deposit slip'. Fill all bank and cheque details properly.
