क्रॉस चेक (रेखित चेक)

आखिरी अपडेट Aug 11, 2022

चेक को क्रॉस करने का मतलब है कि इसे किसी और को ट्रांसफर नहीं किया जा सकता है। ऐसे चेक में, आपको चेक के ऊपरी बाएं कोने पर दो समानांतर रेखाएं खींचनी होती हैं और आप इसके साथ “केवल खाता प्राप्तकर्ता” या “निगोशिएबल नहीं” शब्द लिख सकते हैं।



Crossed Cheque

केवल उदाहरण के लिए

इन चेकों को किसी बैंक के कैश काउंटर पर भुनाया नहीं जा सकता है, लेकिन केवल प्राप्तकर्ता के खाते में जमा किया जा सकता है।

पहचान के दुर्विनियोजन या हानि के जोखिम को कम करने के लिए इन चेकों को क्रॉस(रेखित) किया जाता है। चूंकि क्रॉस किए गए चेक काउंटर पर देय नहीं होते हैं और राशि चेक धारक के बैंक खाते में जमा हो जाती है, यह अनक्रॉस या ओपन चेक की तुलना में पैसे ट्रांसफर करने का एक सुरक्षित तरीका है, जिस पर कोई राशि नहीं लिखी गई है।

भुगतान को प्रतिबंधित करने के लिए जहां चेक पर बैंक का नाम दर्शाया गया है, वहां एक क्रॉसिंग भी की जा सकती है। उदाहरण के लिए, यदि चेक B के नाम से बनाया गया है और चेक पर “बैंक ऑफ बड़ौदा” क्रॉसिंग बनाया गया है, तो चेक केवल बैंक ऑफ बड़ौदा में B के खाते में देय होगा और किसी अन्य बैंक में नहीं होगा।


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क्या आपके पास कोई कानूनी सवाल है जो आप हमारे वकीलों और वालंटियर छात्रों से पूछना चाहते हैं?

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वैध चेक

एक वैध चेक वह होता है जिसे चेक काटने वाले के खाते से धन प्राप्त करने के लिए बैंक में जमा किया जा सकता है।

चेक भुनाना

चेक को भुनाने के लिए इन चरणों का पालन करें।

पृष्ठांकित चेक

पृष्ठांकित चेक का मतलब है कि अगर आपके पास ऑर्डर चेक है तो आप उसे किसी और को एंडोर्स कर सकते हैं।

चेक बाउंसिंग

एक तरीका है जिसमें एक चेक को 'बाउंस' या 'अस्वीकृत' कहा जाता है, जब इसे जमा किया जाता है या भुगतान के लिए प्रस्तुत किया जाता है, लेकिन चेक धारक द्वारा इसे भुनाया नहीं जा सकता है।

सेवाएं क्या हैं?

सेवा का अर्थ है लोगों को उपलब्ध कराई गई कोई भी गतिविधि, और इसमें बैंकिंग, वित्तपोषण, सूचना के प्रसारण संबंधी सुविधाएं शामिल हो सकती हैं।

ऑर्डर चेक

ऑर्डर चेक एक ऐसा चेक होता है जिसमें केवल वह व्यक्ति या पार्टी जिसके नाम से चेक निकाला गया है, नकद निकाल सकता है।