CHEQUE RETURN MEMO for POST OFFICE

RETURN MEMO
1.	Cheque Present Date
2.	Cheque No.
3.	Sort Code
4.	Return Reason
5.	Return By	DEPARTMENT OF POST
6.	Amount
7.	Post Office
8.	Other Comment	Instrument (Cheque) is Attached with this memo.

                                               

                                                               

                                                                                               Assistant Post Master / Head Post Master

REASONS FOR RETURN

01           Funds insufficient 02           Exceeds arrangement 03           Effects not cleared, present again. 04           Refer to drawer 05           Kindly contact Drawer/Drawee Bank and please present again. 04           Refer to drawer 05           Kindly contact Drawer/Drawee Bank and please present again. 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           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           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 40           Present with document 41           Item listed twice 50           Account closed

51           Account transferred to another branch 52           No such account 53           Title of account required 54           Title of account wrong/ incomplete 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           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 75           Pay order/ cheque requires counter signature 76           Required information not legible/ correct 80           Bank's certificate ambiguous/ incomplete/ required 81           Draft lost by issuing office/ confirmation required from issuing office 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

1. Link for word document file -
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2. Link for PDF file -
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