For How Many Months is a Cheque Valid from the Date of Issue?

By K Balaji|Updated : January 19th, 2023

3 months is the validity of the cheque from the date of issue. The date of validity of the cheque is initiated by the Reserve Bank of India (RBI) with effect from 1 April 2012. After 3 months, the cheque becomes a stale one, which is equal to a dead cheque in the sense that it is no longer valid. Banks will not honour such cheques. Therefore, such cheques should be properly re-validated by the drawer of the cheque.

Validity of a Cheque

A Cheque is a dated and signed document that orders a bank to pay a specific amount of money from a person's account to the person whose name the cheque has been issued (order cheque) or the person carrying it (bearer cheque). It is a type of bill of exchange per the Negotiable Instruments Act 1881. As per RBI guidelines, the cheque is valid for 3 months only. After the 3 months, the drawer has to revalidate to increase the validity by 3 months. Once the drawer re-validates the cheque, the life of the cheque gets extended by three more months from the date of re-validation.

Prior to April 2012, the cheque used to be valid for 6 months. However, the validity window was reduced after that for cheques, demand drafts, banker’s cheques, and pay orders. Thus, a person who is receiving a cheque must ensure that they submit it to the bank in this 3-month window itself. Here are the different types of cheques that are used in the banking system. All these cheques have different purposes and are used on separate occasions.

  • Bearer Cheque
  • Order Cheque
  • Blank Cheque
  • Ante-Dated Cheque
  • Post-Dated Cheque
  • Stale Cheque
  • Crossed Cheque
  • Open (Uncrossed) Cheque
  • Self-Cheque
  • Mutilated Cheque
  • GIFT Cheque
  • Pay Yourself Cheque
  • Traveller Cheque
  • Local Cheque
  • Outstation Cheque
  • At Par Cheque
  • Banker’s Cheque

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  • A cheque is valid for a time period of 3 months from the date of issue. The validity of a cheque means the life of the cheque. The time period for the validity of cheque, demand drafts, pay orders and banker's cheques is effective from 1 April 2012 onwards.

  • If the validity of the cheque expires, then the cheque will be termed as an outdated cheque. In such a case, the drawer will have to revalidate the cheque.

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