Hyderabad: Hindustan ke private banks, jin mein HDFC aur ICICI Bank shamil hain, 4 October 2025 se Same Day Cheque Clearance system ka aghaz kar rahe hain. Reserve Bank of India ke naye settlement framework ke tahat, is qadam ka maqsad payments ko tezi aur suraksha ke sath process karna hai.
Officials ne bataya ke 4 October se customers ko cheque deposit karne ke chand ghanton ke andar hi clearance mil jayegi, jabke pehle do working days tak rukna padta tha.
Banks ne account holders se appeal ki hai ke wo apne accounts mein kafi balance maintain karein taake cheque bounce se bacha ja sake. Sath hi, cheque par sab details sahi bharna bhi zaroori hai.
Positive Pay System ki Shart
Banks ne wazeh kiya ke ₹50,000 se zyada ke cheques ke liye Positive Pay System zaroori hoga. Iss system mein account holder ko cheque number, account number, date, amount aur beneficiary ka naam kam az kam 24 ghante pehle submit karna hoga. Jab bank cheque receive karega, to ye details verify ki jayengi. Agar mismatch mila to cheque wapas diya jayega.
RBI ne pehle hi ₹5 lakh se upar ke cheques ke liye Positive Pay mandatory banaya hua hai. Verification ke baad, ye cheques RBI ke dispute resolution scope mein aate hain, jo consumers ko extra protection deta hai.
Abhi tak cheques ko Cheque Truncation System (CTS) se electronically process kiya jata hai, lekin ATM ya dropbox ke zariye diye gaye cheques ko clear hone mein 2 din lagte hain. Naya system is delay ko khatam karega.
Officials ke mutabiq, Same Day Cheque Clearance do phases mein lagu hoga: pehla phase 4 October 2025 se aur doosra 3 January 2026 se shuru hoga. Banks ne consumers ko advise kiya hai ke overwriting se bachein, sahi date likhein, amount ko words aur digits mein match karein, aur sahi signature dein taake cheque reject na ho.
