|
CODE NO. |
REASON FOR RETURN |
|
(01-03) |
Funds |
|
01
|
Funds insufficient
|
|
02
|
Exceeds arrangement
|
|
03
|
Effects not cleared, present again.
|
|
(04-05) |
Reference to Drawer |
|
04
|
Refer to drawer
|
|
05
|
Kindly contact Drawer/Drawee Bank and please present again.
|
|
(10-17) |
Signature |
|
10
|
Drawer's signature incomplete
|
|
11
|
Drawer's signature illegible
|
|
12
|
Drawer's signature differs
|
|
13
|
Drawer's signature required
|
|
14
|
Drawer's signature not as per mandate
|
|
15
|
Drawer's signature to operate account not received
|
|
16
|
Drawer's authority to operate account not received
|
|
17
|
Alteration requires drawer's authentication
|
|
(20-29) |
Stop Payment |
|
20
|
Payment stopped by drawer
|
|
21
|
Payment stopped by attachment order
|
|
22
|
Payment stopped by court order
|
|
23
|
Withdrawal stopped owing to death of account holder
|
|
24
|
Withdrawal stopped owing to lunacy of account holder
|
|
25
|
Withdrawal stopped owing to insolvency of account holder
|
|
(30-42) |
Instrument |
|
30
|
Instrument post dated
|
|
31
|
Instrument out dated/stale
|
|
32
|
Instrument undated/ without proper date
|
|
33
|
Instrument mutilated; requires Bank's guarantee
|
|
34
|
Cheque irregularly drawn/ amount in words and figures differs
|
|
35
|
Clearing House stamp/ date required
|
|
36
|
Wrongly delivered/ Not drawn on us
|
|
37
|
Present in proper zone
|
|
38
|
Instrument contains extraneous matter
|
|
39
|
Image not clear, present again with paper
|
|
40
|
Present with document
|
|
41
|
Item listed twice
|
|
42
|
Paper not received
|
|
(50-55) |
Account |
|
50
|
Account closed
|
|
51
|
Account transferred to another branch
|
|
52
|
No such account
|
|
53
|
Title of account required
|
|
54
|
Title of account wrong/ incomplete
|
|
55
|
Account blocked (situation covered in 21-25)
|
|
(60-68) |
Crossing/Endorsement |
|
60
|
Crossed to two banks
|
|
61
|
Crossing stamp not cancelled
|
|
62
|
Clearing stamp not cancelled
|
|
63
|
Instrument specially crossed to another bank
|
|
64
|
Amount in protective crossing incorrect
|
|
65
|
Amount in protective crossing required/illegible
|
|
66
|
Payee's endorsement required
|
|
67
|
Payee's endorsement irregular / requires collecting bank's confirmation
|
|
68
|
Endorsement by mark/ thumb impression requires attestation by Magistrate with seal
|
|
(70-76) |
RBI /Government |
|
70
|
Advice not received
|
|
71
|
Amount / Name differs on advice
|
|
72
|
Drawee bank's fund with sponsor bank insufficient
|
|
73
|
Payee's separate discharge to bank required
|
|
74
|
Not payable till 1st proximo
|
|
75
|
Pay order/ cheque requires counter signature
|
|
76
|
Required information not legible/ correct
|
|
(80-92) |
Miscellaneous |
|
80
|
Bank's certificate ambiguous/ incomplete/ required
|
|
81
|
Draft lost by issuing office/ confirmation required from issuing office
|
|
82
|
Bank/Branch blocked
|
|
83
|
Digital Certificate Validation failure
|
|
84
|
Other reasons-connectivity failure
|
|
85
|
Alterations on instrument- Other than "Date" field (Alteration/correction on instruments are prohibited under Cheque Truncation System. Return reason code applicable to instruments presented in CTS)
|
|
86
|
Fake/Forged/Stolen-draft/cheque/cash order/interest warrant/dividend warrant
|
|
87
|
‘Payee's a/c credited'- Stamp required
|
|
88
|
Other reasons (Please specify)
|
|
92
|
Bank Excluded
|
