How to Get a Bank Cheque Book in India?

There are a lot of modes of money transfers and payments in India. But there are still a lot of people who rely on bank cheques or simply put bank cheque book.

But how to get a cheque book from the bank? What if all the cheques are used?

These are the major two questions that are we are going to find the answers to.

What is a Cheque Book?

A cheque book is an instrument that is given to the customer by the banks. With the help of this instrument, the customer can order the bank to pay a sum of money to someone.

Here the someone is the person whose name will be written in the "Payee" section of the cheque.

When the payee submits the cheque to the bank, the bank will check if the issuer has enough balance in the bank account.

Once this requirement is met there is one more if the cheque is of a high value. This is where the Positive Pay System plays its role.

Who Gets a Cheque Book from the Bank?

Every individual and entity that holds a bank account in India is eligible to get a cheque book from the bank.

This excludes the minor account holder. This means if the customer is a minor whose age is less than 18 years. Then he or she is not eligible to get this instrument from the bank.

Does the Bank Issue a Cheque Book for Everyone by Default?

No, the bank does not issue a book for everyone by default. There are some types of accounts that get a book as a part of the welcome kit.

But if the account variant is opened does not come with a cheque book. Then the customer has to request the bank for one.

How Can One Request for a Cheque Book?

There are a number of methods that can be used by one to request a new book. They are,

  • Using the Internet Banking Services of the Bank.

  • By Visiting the Branch of the Bank.

  • With the help of the mobile banking app of bank.

  • Using the SMS Banking Services.

Does the Bank Charge for the Book?

Yes, the bank charges for every cheque book that is issued. The charges depend upon the number of pages that are included in the bank.

The pages in the book are called "Leaves" in the banking terminologies.

How is the Book Delivered to the Customer?

Banks in India don't hand over the cheque book directly to the customers. Instead, the book is delivered via courier to the communication address of the customer.

So it takes around 5 to 7 working days in the process to get a new book. The bank usually dispatches the book within 2 days of the customer's request.

How to Know the Cheque Book Charges?

The banks charge for every leaf that is delivered to the customer. And these charges differ from bank to bank.

So if you want to know the exact amount you will be charged. (including GST) Then there are two ways to get this information.

The first way is by referring to the schedule of charges on the official website of your bank. And the second way is by calling the customer care of the bank.

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