According to RBI’s new guidelines, from 4 October 2025, all banks must clear cheques on the same day. Currently, cheque clearing takes 1–2 days, लेकिन नई व्यवस्था से चेक भुगतान तेज़ और आसान हो जाएगा।
Major banks including HDFC Bank और ICICI Bank ने अपने ग्राहकों को सूचित किया है कि 4 अक्टूबर से same-day cheque clearing शुरू हो जाएगा।
Key Points:
-
Cheques deposited after 4 October will clear within few hours
-
Customers should maintain sufficient balance and fill cheque details correctly to avoid bounce or rejection
-
The system will be implemented in two phases:
-
Phase 1: 4 Oct 2025 – 3 Jan 2026
-
Phase 2: After 3 Jan 2026
-
How the System Works:
-
Single Presentation Session: 10 AM – 4 PM, cheques presented to bank will be scanned and sent to the clearing house
-
Confirmation Session: 10 AM – 7 PM, paying bank provides positive/negative confirmation
-
Each cheque will have an ‘Item Expiry Time’, within which confirmation is mandatory
Positive Pay System (सुरक्षा के लिए):
-
For cheques above ₹50,000, account holders must submit cheque details 24 working hours in advance
-
Bank verifies details before clearing; mismatch will lead to rejection and resubmission
यह कदम cheque-based transactions को तेज और सुरक्षित बनाने के लिए लिया गया है।
