A valid cheque in India must follow the CTS-2010 standard, carry the correct 9-digit MICR code of the issuing branch, be presented within 3 months of its date, and have matching amount in words and figures with no alterations.
Checklist before depositing
Date is within the last 3 months.
Payee name is spelled correctly.
Amount in words matches figures.
Signature present; no overwriting.
MICR code matches the bank and branch printed on the cheque — check it with the MICR validator.
How to validate a cheque MICR code
1Read the 9-digit MICR code at the bottom of the cheque.
2Enter it in the MICR validator.
3Check the bank and branch shown match the cheque.
FAQ
Questions
What is CTS?
Cheque Truncation System: cheques are cleared using their image and MICR data instead of moving the paper.
