If you open an account with any bank, the bank will issue you a checkbook. Through which you can transfer your money from your account.

But do you know how to write this SBI checkbook? If you don’t know that, you could be in big trouble. Today I will discuss that checkbook with you.

We will see, for example, filling up a cheque from SBI bank. First, you need to know what parts are in a cheque.

How to write SBI cheque

There are mainly five parts to filling a cheque. I have mansen those five parts in the paragraph below.

    1. Date
    2. Payee Name
    3. Amount In Words
    4. Amount In Figures
    5. Signature
    • Cheque number (6 digits)
    • MICR Code (9 digits)
    • Account ID with RBI
    • Transaction code

How Most People Write SBI Cheque?

Whenever you give someone a cheque, the top five places in the main part must be filled. If you miss one of these five, the cheque will be considered invalid.

Date of Issue

At the top right of the cheque is the date of the issue. This means that whenever you give a cheque to someone, you have to write that date.

The validity of the cheque is valid for exactly three months from the date you enter. If the cheque is invalid for more than one day after these three months, then you have to give a new cheque.

There are eight boxes where dd/ mm / yyyy is written. Here dd = date, mm = month, yyyy = year.

Suppose today’s date is 1st January 2020, then write 01 01 2020 instead of date. Remember that if the number of days or months is one digit, you must put 0 before it.

Payee Name

After completing the date comes the payee Name, which means the name of the person to whom you will give the cheque. You have to write it, where pay is written.

You may be wondering, who pays by cheque nowadays? Because nowadays most of the payments are made through NFT, NetBanking, or BHIM app.

Yet most people are not connected online or have NetBanking. Even the big businessman doesn’t want to get into trouble with such mobile payments.

The easiest way for them to pay is cheque payment. wrote the date, name amount, and gave it to the payee. This time payee rushed to the bank to cash the cheque.

NOTE:- Before entering the payee’s name on the cheque, you must keep in mind the following three conditions, otherwise the cheque will be invalidated.

  1. The payee must have a bank account.
  2. The bank account of the payee in that name, the cheque should be written in that name
  3. The correct spelling of the account holder’s name must be matched.

How to Write Amounts?

How much money are you paying, how to write it in a cheque? The amount should be mentioned in two places of the cheque.

However, the amount is written in two ways, in words and figures. But in both cases the amount of money must be equal, be it words or figures.

Where rupee is written, the amount in words should be written. Where there is an ₹ sign, enter the amount in figures.

EXAMPLE:- rupees are seven thousand two hundred twenty-two and ₹ is 7222.


The last and foremost point is your signature, The cheque is invalid without that signature. Your signature must be clear and the same.

Because when your cheque is deposited in the bank, it will be manually verifiable. The cheque will only be passed if it matches the signature you gave when you opened your account.

Others Parts Of SBI Cheque

When you write an SBI cheque, you will see many more besides the above five parts. Those that you may have never followed, though followed, do not know the meaning.

What is code in cheque

If you look at the bottom of the cheque you will see many numbers, I am talking about these. This part has four-part numbers, they are cheque number, MICR code, account ID with RBI, transaction code.

Cheque Number

The code for the first six digits is the cheque number. As the branch issues cheques, it generates a unique code for each cheque.

With this code, payment can be stopped and a cheque can be tracked. Suppose you mistakenly gave a cheque to someone and he cheated on you.

In this case, you can cancel your cheque at the bank with this code. So you understand, with a cheque number you can cancel a particular cheque or stop payment.


It has a nine-digit code called MICR code or Magnetic Ink Character Recognition. When your cheque is cleared, this code can be scanned to find out which branch, which account, etc.

Earlier this code was used but now the IFSC code is used. The same thing is done with IFSC or Indian Financial System Code and it is different for different branches.

Account ID with RBI

Then there is the six-digit account ID with RBI. When there is a problem with your cheque, your cheque goes to the RBI office. This ID is needed at that time.

Transaction code

Then you see two numbers, called transaction code. This code is different for different accounts. For example, if there is 31, it means a savings account, if 29, it means the current account.

However, we have nothing to do with this code. This is because the bank prints it so that it can be verified later when another cheque is deposited.

limitations on Cheque

You will see the instructions next to the account number of the SBI cheque. There it is written, valid up to ₹ 10 lakh at the non-Home branch.

If you want to cash a cheque for Rs 20 lakh at your branch, it is possible. But when it is a payee can not redeem another non-home branch.

So, if you write a cheque for an amount of more than Rs 10 lakh, it will be considered an invalid cheque. This is because you have limited your cheque from the bank.

This 10 lakh limitation savings account, in the same way, the current account has a 50 lakh limitation. However, you can increase this limitation by going to the branch.

So you understand that more money can be transected by cheque, for which big companies use a cheque. On the other hand, there is a BHIM app or such online limitations, which you can not increase even if you want.

What You Do Wrong While Writing SBI Cheque

Many people make big mistakes when writing an SBI cheque or any other cheque. You may not understand it at first glance, but you have to pay a big price for that small mistake.
Now I will discuss all those mistakes and show the correct solution. Before that, you must see the picture of the cheque given below.
Looking at the picture, you think, where is the mistake? Only the date is not given. But take a good look, the cheque is completely wrong.
According to the above cheque, a person named Manish Kumar has to pay seven thousand rupees. The cheques are named, the amount of money is written in words, the amount of money is also written in numbers, then where is the mistake? See where something went wrong ……

Incorrect writing cheque

Payee’s Name Is Misspelled

The name written in the cheque is Manish Kumar’s name but there is a space. That space is used by unscrupulous people to cheat.

For example: – The name can be changed from Manish to Manisha and from Kumar to Kumari. So when you write the name, you have to pay attention to the spaces.

As in the case of the above cheque, the name has been changed by adding “a” and “i”. So you will write the name in such a way that no more letters can be added.

Money Written In Words Is Wrong

Changing the name may not be profitable, as long as the amount is increased there is no benefit. And the dishonest person tries to increase that amount.

So you have to try so that no one gets that opportunity. For example – you see above there is an opportunity to increase the amount.

Where Seven Thousand Only is written, there are many gaps before it. Something can be written there effortlessly, such as – Fifty.

So what happened to the writing? Fifty-Seven Thousand Only. Understood how you can be a victim of cheating. Hope you understand what you have to do.

Money Written In Figures Is Wrong

For example, space has been kept while writing the above amount due to which Fifty has been placed before Seven. In the same way, fifty-seven can be placed by putting 5 before seven in the amount box.

So I would recommend not leaving any space before writing the amount. And after writing the amount, you must give the / – sign.

Others Important Tips

Apart from these, some other points need to be done. Then your cheque will be safe with the payee or he will not be able to cheat.

  • Draw long lines with the pen on the blank part that remains after writing the name, amount.
  • Write a / c payee in the left-hand corner of the cheque. This is because the payee will be able to deposit in his account, not withdraw directly.
  • Enter the date correctly, so that even after one day after three months, the cheque becomes invalid.
  • Many times do overwrite due to writing mistakes. Overwriting will invalidate the cheque, so avoid overwriting.
  • There must be a space between the two words. Because if there is no space, it will be considered overwriting.

How To Write A SBI Cheque For Yourself?

You see how to write a cheque when making a payment to someone else. In some cases, you have to withdraw money with your cheque.

How to write a cheque in such a situation? So that you can cash your cheque with the bank line. In this case, the word “SELF” should be written instead of the payee’s name.

What is a Cancelled cheque?

Suppose someone asked you to a canceled cheque for special needs. Before that, you need to know what an SBI canceled cheque is and how to write it.

Cancelled cheque

Just write Cancelled without writing anything on the cheque, this is a canceled cheque. Your name will not be on the cheque, your signature will not be there, no amount will be written.

The person who will take the cheque will be able to know your account number, IFSC code, branch key from this canceled cheque. So that he can get the details of your bank accurately.

What Is Blank Cheque?

Suppose you are taking a loan of Rs 20,000 from someone. The lender wanted your blank cheque, would you give him a blank cheque without writing anything?

Do not give blank cheques to anyone in this way. Write something on the cheque first, then give the cheque. But what to write a blank cheque?

Blank cheque

Before that, find out why the lender wants a blank cheque. Because when the time you are looking for a loan expires, the lender can withdraw money from that cheque.

Give a cheque stating the amount of money that has been agreed with the loan giver. So that he can’t make extra money without that money.

When giving a blank cheque, must write on the cheque, NOT TO EXCEED RS 20000 / -. This means that the person will not be able to raise more than 20000 rupees.

In other words, there is no such thing as a blank cheque, or a blank cheque has no value. However, I would recommend, do not give a blank cheque to anyone just by signing.

How to Write SBI Cheque Record?

There is a page in front of the checkbook, where you can write down the records of your checkbook. This means that whenever you issue a cheque, you can write down its issue date, cheque number, name, amount.

It certainly has an advantage, suppose you paid someone. After a while you thought you would stop the payment, then you can stop the payment with the details of that cheque at the branch office.

Closing the payment is possible only when you write down the details of the cheque. Many benefits will come in handy if you need to.

Pro Tips for Write Cheque

There are many such cheques deposited in the bank like you. Again all these cheques are verified manually. If the bank authorities have any inconvenience while verifying this, they may want to contact you.

But how to contact them if they do not have your contact number? For that, you write your name, phone number, the amount on the back of the cheque. To facilitate the verification of the bank authorities.

Maybe I didn’t get it right with this post, so watch the sidtalk youtube video below. Everything is discussed in detail in the video. Also, click to know about SBI’s cheque policy

Write SBI Cheque Video in Hindi


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P. Mahata (West Bengal)

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