How to Write Bank Cheques in Nepal: Number-to-Words Rules & Avoid Returns
Writing a bank cheque in Nepal requires absolute consistency between the numeric figure in the amount box and the handwritten text on the amount line. Under Nepal Clearing House Limited (NCHL) Electronic Cheque Clearing (ECC) guidelines, any spelling discrepancy, overwriting, or missing word suffix results in immediate clearing rejection.
- The written text amount takes legal precedence over the numeric figure under the Negotiable Instruments Act 2034.
- Always terminate the words line with the word "Only" (or "मात्र" in Nepali) to prevent fraudulent additions.
- Crossing the top-left corner with two parallel lines and writing "Account Payee Only" ensures funds credit solely to the payees bank account.
- Issuing a cheque without sufficient account balance attracts criminal prosecution under the Banking Offence and Punishment Act 2064.
Numeric to Words Conversion Guidelines for Large Sums
Nepal follows the South Asian numbering system (Lakhs and Crores) rather than Western millions and billions:
| Numeric Figure (NPR) | Correct English Words Format | Correct Nepali Words Format |
|---|---|---|
| NPR 1,25,000.00 | One Lakh Twenty-Five Thousand Rupees Only | एक लाख पच्चीस हजार रुपैयाँ मात्र |
| NPR 5,50,450.00 | Five Lakh Fifty Thousand Four Hundred Fifty Rupees Only | पाँच लाख पचास हजार चार सय पचास रुपैयाँ मात्र |
| NPR 12,80,000.50 | Twelve Lakh Eighty Thousand Rupees and Fifty Paisa Only | बाह्र लाख असी हजार रुपैयाँ पचास पैसा मात्र |
| NPR 1,00,00,000.00 | One Crore Rupees Only | एक करोड रुपैयाँ मात्र |
Legal Consequences of Dishonored Cheques
If a cheque bounces due to insufficient funds, the beneficiary issues a formal notice. Under Section 107 of the Negotiable Instruments Act, continued non-payment within 30 days permits filing a commercial court case, punishable by up to 3 months imprisonment and blacklisting by the Credit Information Bureau (CIB).
Final Thoughts
Accurate cheque drafting maintains banking credibility and financial safety. Convert financial figures into verified words using our Cheque Number to Words Converter.
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