Kaagazaat

Reply to a Cheque Bounce Notice

At a glance

Price
Free, always.
Stamp duty
No stamp duty in Punjab or Chandigarh — a notice that demands payment, performance or the stopping of an act creates, transfers or ends no right in property, and is not a chargeable instrument under the Indian Stamp Act, 1899.
Registration
Not registrable in Punjab or Chandigarh — Section 17 of the Registration Act, 1908 reaches instruments that create or transfer an interest in property, not a one-sided demand.
Witnesses
None required in Punjab or Chandigarh — this is a one-sided notice, not an instrument two parties sign.

Free

Free, always.

Free: up to 5 documents a day.

Guided questions, full draft on screen, download in Word.

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Also called

  • reply to section 138 notice
  • reply to cheque dishonour notice
  • cheque bounce notice reply
  • reply to demand notice for returned cheque
  • cheque bounce da jawab
  • चेक बाउंस नोटिस का जवाब
  • चेक अनादरण नोटिस का उत्तर
  • ਚੈੱਕ ਬਾਊਂਸ ਨੋਟਿਸ ਦਾ ਜਵਾਬ

When you need it

Use this when a cheque you gave has been returned unpaid, the person you gave it to has sent you a legal notice demanding the money, and you say you do not owe it or owe less. Your reply records your side before any complaint is filed: that there is no debt, that the cheque was only a security, that you have paid, or that the amount is wrong.

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It denies what you do not admit and asks the other side to hold on to the original papers. Not the Cheque Dishonour Legal Notice, which is what the payee sends. Not the general reply to a legal notice — use Reply to Legal Notice (General) for any other kind of notice. Not a way to avoid paying a debt that is genuinely owed. Read before sending: the law gives the drawer a short time after receiving the notice to pay, and a reply does not stop that time from running. If any of the money is truly owed, an advocate should advise you on paying it within that time. Send the reply promptly and keep the proof of posting.

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See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

No stamp duty in Punjab or Chandigarh — a notice that demands payment, performance or the stopping of an act creates, transfers or ends no right in property, and is not a chargeable instrument under the Indian Stamp Act, 1899. Plain paper or an advocate's letterhead is enough; no e-stamp exists for a document of this kind.

Registration

Not registrable in Punjab or Chandigarh — Section 17 of the Registration Act, 1908 reaches instruments that create or transfer an interest in property, not a one-sided demand. No Sub-Registrar takes a document of this kind.

Notarisation

Not required in Punjab or Chandigarh — notarising the notice adds nothing to its effect. What matters is proof that it reached the Recipient: the registered-post receipt and acknowledgement card, courier tracking, or a signed acknowledgement of hand delivery. Keep these with the file.

Witnesses

None required in Punjab or Chandigarh — this is a one-sided notice, not an instrument two parties sign. Witnesses matter only if the notice is delivered by hand (get the receiver's name, signature and date) or affixed because the Recipient cannot be found (two independent witnesses, a note of where and when, and photographs).

Request Stamp Paper

Sample preview — placeholder answers, not your data

REPLY TO A CHEQUE BOUNCE NOTICE

The drawer's reply to a demand notice sent after a cheque was returned unpaid.

Date: 4 April 2026

TO:
Advocate Navneet Gill, for Mr Harbans Lal
SCO 42, Sector 34-A, Chandigarh 160022
And also at: X

FROM:
Ramesh Kumar
House No. 214, Sector 15-A, Chandigarh 160015
Phone: 98765 43210
Email: ramesh.kumar@example.com

SUBJECT: Reply to your notice dated 1 April 2026 about cheque no. 004512

Dear Sir / Madam,

1. THE NOTICE RECEIVED

1.1 The Sender received the Recipient's notice dated 1 April 2026 on 2 April 2026 (the Notice). The Notice says that cheque no. 004512 dated 3 April 2026 for ₹4,50,000 (Rupees Four Lakh Fifty Thousand only), drawn by the Sender on State Bank of India, Sector 17, Chandigarh, was returned unpaid, and demands payment. This is the Sender's reply to the Notice.

2. THE SENDER'S POSITION

2.1 The Sender's position is that nothing is owed to the Recipient, and the cheque was not given for a legally enforceable debt or liability.

2.2 The cheque was handed over on 3 March 2026 as security for a possible loan of Rs 4,50,000 that was never advanced. No money was ever received from the Recipient, and the Recipient was told in writing on 20 April 2026 to return the cheque.

2.3 The Sender has made the following payment or adjustment: Rs 2,00,000 by bank transfer on 15 April 2026 and Rs 2,50,000 by bank transfer on 2 May 2026.

3. REPLY TO THE DEMAND

3.1 The Sender does not admit that any amount is due to the Recipient, and denies that the demand in the Notice is payable. Everything in the Notice that is not expressly admitted in this reply is denied.

3.2 The Sender reserves the right to rely on every defence available in law, including that the cheque was not given in discharge of a legally enforceable debt or liability.

4. WHAT THE SENDER ASKS

4.1 The Sender asks the Recipient to withdraw the demand in the Notice and not to proceed against the Sender on it.

4.2 The Sender asks the Recipient to keep safe, and to produce if a complaint is filed, the original cheque, the bank's return memo, and every document the Recipient relies on to show the debt or liability claimed.

4.3 If the Recipient files a complaint, the Sender will defend it and will ask for such costs and compensation as the law allows.

4.4 Nothing in this reply is an admission, and the Sender's rights and defences are fully reserved.

5. SERVICE OF THIS NOTICE

5.1 This notice is served by registered post with acknowledgement due. A notice properly addressed, pre-paid and posted is presumed to have been served in the ordinary course of post (Section 27, General Clauses Act, 1897). Refusal to accept delivery will be treated as service.

This notice is issued through Simran Kaur, Advocate, of Chamber No. 88, District Courts, Sector 43, Chandigarh. A reply may be sent to the Advocate as well as to the Sender.

Questions about this document

Does the Reply to a Cheque Bounce Notice need stamp paper or stamp duty in Punjab and Chandigarh?

No stamp duty in Punjab or Chandigarh — a notice that demands payment, performance or the stopping of an act creates, transfers or ends no right in property, and is not a chargeable instrument under the Indian Stamp Act, 1899.

See the full position on stamp duty, registration and witnesses
Does the Reply to a Cheque Bounce Notice need registration in Punjab and Chandigarh?

Not registrable in Punjab or Chandigarh — Section 17 of the Registration Act, 1908 reaches instruments that create or transfer an interest in property, not a one-sided demand.

See the full position on stamp duty, registration and witnesses
What does the Reply to a Cheque Bounce Notice cost on Kaagazaat?

Free, always.

Does the Reply to a Cheque Bounce Notice need witnesses?

None required in Punjab or Chandigarh — this is a one-sided notice, not an instrument two parties sign.

See the full position on stamp duty, registration and witnesses

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