4,80,000 people visited this section in last 30 daysApply Online

Get Voucher of Upto ₹ 1,000* on Loans Apply Online

MyLoanCare Customer Ratings - 4.5/5.0 Apply Online

Cheque Number

Cheque Number Features

Last Updated 22nd May 2022

  • A cheque is a document or a negotiable instrument that helps in transferring money from your bank account to the person (or company) you named.
  • A cheque number on the cheque is a six-digit number that helps in the easy transfer of money from one account to another.
  • The cheque number is found at the left side bottom of a cheque.
  • There are various types of cheques available in the banking sector like bearer cheque, slate, payee, cancel and many more.
  • At the bottom of the cheque, one can find the Magnetic Link Character Recognition Code, which indicates the source bank and branch from which the cheque is issued to the account holding person.
Yes Bank
Returns bhi, Rewards bhi
5.5%* interest p.a + up to 1500** YES Rewardz Points on account opening
Earn up to 50k** YES Rewardz Points in 1st year
Exclusive offers on Demat & Lockers
Disclaimer: For balance above INR 10 lcs to INR 1Cr. For YES FIRST customers. Terms and conditions apply. For more details please visit: www.yesrewardz.com
Apply for Savings Account

Understand your Cheque

A cheque is a document or a negotiable instrument that orders a bank to transfer the money from one bank account to another bank account (in whose name the cheque has been issued).

  • Drawer : A person writing a cheque is known as a drawer.
  • Payee : A beneficiary to whom drawer writers a cheque.
  • Drawee : A bank making a payment.

Important points to remember regarding cheque:-

  • It is only issued against a current or savings bank account.
  • If a cheque does not have a date, then it is considered invalid .
  • Encashment can only be done by the person in whose name cheque has been issued, meaning the payee .
  • According to the rule, a cheque is only valid for three months from the date it has been issued.
  • To make the cheque clearance easier, a 9-digit MICR (Magnetic Ink Character Recognition) code is mentioned at the bottom of the cheque.

What are the Different Types of Cheques?

There are different types of cheque in the Indian banking system; however, the type depends on the issuer and the drawee. Here are the following types of cheques used in the banking system:-

  • Open cheque - is a cheque used to deposit money in the account holders bank account or withdraw money from the bank. A holder can issue this to someone else as well.
  • Bearer cheque - A cheque made to the person bearing or carrying the cheque. A cheque must contain a word bearer.
  • Self-Cheques - A cheque drawn in one’s name, meaning that drawer and payee are the same. These can only be used at the issuer’s bank, and it should have ‘Self’ written over the cheque. However, one must be cautious while using it because if it goes in the wrong hand, then it can be misused.
  • Account Payee Cheques - This is the safest kind of cheque as the amount is only transferred to a person’s account whose account number is written on the cheque. It must have an ‘account payee’ written on the left-hand side within two parallel lines.
  • Post-dated cheque - It is an account payee cheque that has a future date to get encashed later. Even if the cheque is submitted to the bank immediately, the bank will start the process only on or after the date mentioned on the cheque. It is valid for up to three months from the issuance date. The bank issues a banker’s cheque, and it is also non-negotiable because such cheques cannot be dishonoured. Banks issue such cheques to make a payment to another person. Such cheques are valid for three months and can be revalidated if conditions are met.
  • Traveller’s Cheque - Travellers, mainly foreigners who do not wish to carry cash, carry travellers’ cheque. It is issued and can be encashed at any bank in another country where foreign currency is required.
  • Crossed cheque is a type of cheque where two parallel lines are drawn on the left side cheque, and no cash withdrawal can be made. When a person issues such a cheque, the only amount can be transferred from the drawers account to the payee’s account. A third party can also submit the cheque.
  • Stale Cheque - If any cheque has been deposited after three months (in India, cheques are only valid until three months), it is declared Stale Cheque. Let’s understand with an example if a cheque is dated April 15, 2021, and the payee visits the bank for withdrawal on August 15, 2021, his/her request for a cheque will be declared stale.
  • Ante-dated Cheque - A cheque in which a prior date is written. For example, if today’s date is April 15, 2021, and the date is written as April 1, 2021, it is an ante-dated cheque.
  • Mutilated Cheque - If a bank receives a torn or damaged cheque, it is called a mutilated cheque. If the critical information is not visible, then it is an invalid cheque.
  • Blank Cheque - A cheque that only has the drawer’s signature and all the other fields are blank is called a blank cheque.

What is a Cheque Number?

A cheque number on cheque is a uniquely defined six-digit number. The number is different on each cheque. A cheque number on cheque can be found at the bottom of the cheque. It is advised to check the cheque no when a person receives a new cheque book. All the numbers on the cheque book come with special magnetic ink, and they can be read with a magnetic ink reader.

  • Along with the cheque no, a nine-digit code is also given, called the Magnetic Link Character Recognition Code (MICR code on cheque). It indicates the bank and branch that has issued the cheque to the account holder. The first 3 digits depict the city code, the next three digits reflect the bank code, and the last 3 digits depict the branch code on the cheque.
  • After the MICR code, an account number is mentioned, which is a six digits number.
  • The last two digits are the transaction ID, which helps a person know whether the cheque issued is local or payable at par.
  • All the numbers mentioned above are written with special magnetic ink and can be read with a magnetic ink reader.

Where is the Cheque Number on a Cheque?

The answer to the question where is cheque number on cheque is that the cheque number is found at the left side bottom of a cheque. As given in the image:-

Update your Address Online

How to Check the Status of A Deposited Cheque Using Cheque?

To check whether the cheque is credited or debited from the depositor’s bank account, one should know the status of the cheque. Through the following ways, one can track the status of the cheque:-

  • Get a bank passbook updated. If the cheque is cleared, then it will be credited or debited from the account.
  • Through e-banking, check the bank statement.
  • Get a mini statement from the nearest ATM.
  • Once the cheque is credited or debited, the bank sends an SMS to a registered mobile number.
  • Also, an individual can visit the bank to know the status.


What is the purpose of a MICR code on a cheque leaf?

The MICR code on a cheque aims to make the clearance procedure easy. The code is found at the bottom of the cheque, comprising city code, bank code and branch code. Magnetic ink character recognition or MICR comprises nine digits, further subdivided as city, bank and branch code. It works the same way as your home or office address.

Where is the MICR number printed on a cheque leaf?

You can find the MICR number at the bottom of the cheque after the cheque number. You can also find it on the first page of the savings passbook.

What is a cheque number?

It is a six-digit number that is assigned uniquely to each cheque leaf. The cheque number is written on the left assigned on the left-hand side at the bottom. Always check the cheque number because if you want to know the status of the process, you can ask with the cheque number.

When does a bank have a right to refuse to make a payment?

Banks can refuse to make a payment if the deposited cheque is Stale, Ante-dated or Mutilated. Under such circumstances, the bank will not make any payment, and as per the policy, the cheque is only valid for three months.

How do I find my Cheque number?

The cheque number on the cheque is found at the left side bottom of a cheque. Along with a cheque number, MICR 9 digit code is given, which indicates the bank and branch that has issued the cheque to the account holder.

What is the Cheque leaf number?

A cheque leaf or cheque number is the same thing. A cheque leaf number is a six-digit number that is found at the bottom of the cheque. It helps to know the status of the cheque and identify it.

What are the types of cheque?

In the Indian banking sector, there are different types of cheques used like self, crossed, bankers, account payee, bearer, travellers, stale, ante-dated, blank, mutilated, crossed, bankers, post-dated and many more.

What is the purpose of the cheque?

The primary purpose of the cheque is to transfer the money from one account to another account in whose name drawee has made the cheque. You present or deposit the cheque in the bank, and in return, the payee gets cash.

How to fill a Cheque Deposit Slip?

To fill a cheque deposit slip, you have to give cheque no (first 6 digits of the bold black number series at the bottom of the cheque), cheque amount ( in numerics as well as words), bank and branch of the cheque, date of deposit and deposit branch in which you are submitting the cheque.

How to Check Cheque Status?

To check the cheque status, you can visit the bank branch and enquire about the status by giving a cheque no. However, few banks allow checking the status online. For example, if a cheque is in SBI, you can go to the official website and check the status in the enquiries tab.

Notification ×
  • Home Loan

    Home Loan at all-time low rates starting at 6.50%. Cashback of up to ₹ 1,000

    Apply Now
  • Personal Loan

    Instant Personal Loan starting at 10.25% with Cashback of up to ₹ 1,000.

    Check Offers
  • Gold Loan

    Instant Gold Loan starting at 9.00% with Cashback of up to ₹ 500

    Apply Now
  • Loan Against Property

    Best Loan Against Property Offers starting @ 6.90%. Cashback of up to ₹ 1,000*.

    Apply Now
  • Business Loan

    Collateral Free Business Loan Rates starting at 14.00% with Overdraft facility.

    Apply Now
  • Fixed Deposit

    AAA rated FDs with returns as high as 7.05%.

    Invest Now
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
Please wait while your information is being processed...