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.

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

39

Image not clear, present again with paper

40

Present with document

41

Item listed twice

42

Paper not received

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

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

74

Not payable till 1st proximo

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

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

33

Instrument mutilated; requires bank's guarantee

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

60

Crossed to two banks

61

Crossing stamp not cancelled

62

Clearing stamp not cancelled

63

Instrument specially crossed to another bank

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(applicable to sub-members)

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

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

87

‘Payee's a/c Credited'-Stamp required

92

Bank excluded