What is Cheque [Cheque Kya Hota Hai]
Cheque ek aisa written document hota hai, jise aap apne bank account se paise transfer karne ke liye use karte hain. Yeh basically ek instruction hota hai, jo aap apne bank ko dete ho, jisme aap keh rahe hote ho ki "Mujhe apne account se kisi doosre vyakti ya institution ko paise dene hain".
Cheque Kaam Kaise Karta Hai
Maan lijiye, aapko apne friend ko paise dene hain. Agar aapke paas cash nahi hai, to aap apne bank account se ek cheque likhte ho. Aap cheque mein likhte ho ki "Mujhe yeh paise friend ko dene hain". Jab aap apne friend ko yeh cheque dete ho, toh woh apne bank mein jaake cheque deposit karwata hai. Bank uske account mein woh paise transfer kar dega.
Cheque Ki Important Parts:
Amount - Kitni rashi aap dena chahte ho, woh likhte ho (number aur words dono mein).
Payee ka Naam - Jo person ya organization paise receive karega, uska naam likhte ho.
Date - Jab cheque likha gaya ho, woh date likhna hota hai.
Signature - Aapke bank account ke signature jaisa signature hona zaroori hai.
Cheque Number - Har cheque ka ek unique number hota hai, jisse cheque ko track kiya ja sakta hai.
Cheque Ka Use Kab Hota Hai:
Bade Payments: Jab aapko kisi ko bade paise dene hote hain, jaise business transactions mein.
Safe Payment Method: Jab aapko cash carry karna risky lagta hai, cheque use karna safe option hota hai.
Record Keeping: Cheque ke through aap apne transactions ko record kar sakte hain, jo future mein proof ke liye kaam aata hai.
Cheque Ka Fayda:
Secure Payment: Cash ki tarah nahi, cheque ko easily track kiya ja sakta hai, aur agar lost ho jaye to uska misuse nahi ho sakta.
No Need for Cash: Agar aapke paas cash nahi hai, to aap cheque se payment kar sakte hain.
Proof of Payment: Cheque se kiya gaya payment ek proof ke roop mein bank record ke through hota hai.
Bas itna samajh lijiye, cheque ek safe aur convenient way hai paise transfer karne ka, bina cash ke.
Types of Cheque:
1. Bearer Cheque
Bearer Cheque ek aisa cheque hota hai jise koi bhi vyakti, jo usse hold karta hai, encash kar sakta hai. Iska matlab hai, cheque ke upar jo name likha hota hai, uske bina kisi bhi person ko paise diye ja sakte hain. Yeh ek tarah se "cash" ki tarah kaam karta hai.
Key Features:
- Koi bhi person jo cheque ko hold kare, usse paise mil sakte hain.
- No specific name mentioned.
- Agar cheque lost ho jaye to koi bhi isse cash kar sakta hai, isliye yeh risky hota hai.
Example: Agar aapne kisi ko bearer cheque diya, to woh person directly bank se paise nikaal sakta hai.
2. Order Cheque
Order Cheque ek aisa cheque hota hai jisme paise sirf us vyakti ko diye ja sakte hain jo cheque par naamit hota hai (payee). Matlab, jo vyakti cheque ke upar likha gaya ho, wahi us cheque ko encash kar sakta hai.
Key Features:
- Sirf naamit vyakti ko paise diye ja sakte hain.
- Iss cheque ko endorse kiya ja sakta hai (agar payee apna naam transfer kare).
- Zyada safe hota hai, kyunki isse kisi aur ko nahi diya ja sakta, agar cheque par naam likha na ho.
Example: Agar aapne ek order cheque kisi ko diya, to woh vyakti hi bank se paise le sakta hai.
3. Crossed Cheque
Crossed Cheque ek aisa cheque hota hai jisme cheque ke upar do parallel lines banayi jaati hain, jise "cross" kaha jata hai. Iska main purpose yeh hota hai ki paise ko sirf bank account mein deposit kiya jaaye, aur cash nahi kiya jaa sakta.
Key Features:
- Isme cheque ke upar do parallel lines banayi jaati hain.
- Paise sirf payee ke account mein deposit ho sakte hain, cash nahi kiye ja sakte.
- Yeh security ko enhance karta hai aur fraud se bachata hai.
Example: Agar aapne crossed cheque diya, to woh cheque sirf payee ke bank account mein deposit hoga, cash nahi kiya jaa sakta.
4. Open Cheque (Uncrossed Cheque)
Open Cheque ya Uncrossed Cheque ek aisa cheque hota hai jisme koi parallel lines nahi hoti hain, aur yeh cheque directly cash kiya ja sakta hai. Yeh cheque kaafi risky hota hai, kyunki koi bhi vyakti isse cash kar sakta hai.
Key Features:
- Is cheque par parallel lines nahi hoti hain.
- Yeh cheque directly bank se cash ho sakta hai.
- Isse fraud ka risk zyada hota hai, kyunki agar cheque kho jaaye to koi bhi isse cash kar sakta hai.
Example: Agar aapne open cheque diya, to wo directly payee ko cash mil sakta hai, chahe woh vyakti kaun ho.
5. Mutilated Cheque
Mutilated Cheque ek aisa cheque hota hai jisme cheque ka koi hissa torn (faadha) ho ya chewed ho. Yeh cheque apne asli form mein nahi hota aur isse banks accept nahi karte. Agar cheque mutilated ho, to bank isse reject kar dega.
Key Features:
- Cheque torn ya damaged hota hai.
- Agar cheque mutilated ho, to bank isse process nahi karega.
- Is type ka cheque invalid hota hai, aur naya cheque issue karna padta hai.
Example: Agar aapka cheque kisi wajah se fat gaya hai, to bank usse cash nahi karega. Aapko bank se naya cheque lena padega.
6. Stale Cheque
Stale Cheque wo cheque hota hai jo apni validity period ke baad cash karne ke liye diya jata hai. Bank generally cheques ko 3 months ke andar process karta hai. Agar cheque is period ke baad cash karne ki koshish ki jaaye, to woh stale cheque ho jata hai aur bank usse reject kar deta hai.
Key Features:
- Stale cheque woh hota hai jo validity period ke baad cash karne ke liye diya jata hai.
- Bank isse accept nahi karta.
- Agar cheque 3 mahine purana ho, to woh stale ho jata hai.
Example: Agar aapne koi cheque 3 mahine pehle diya tha aur ab cash karwana chahte hain, to woh stale ho jayega.
7. Anti-Dated Cheque
Anti-Dated Cheque ek aisa cheque hota hai jisme present ki date ki jagah purani (past) date likhi hoti hai.
Key Features:
Iss cheque par past date likhi hoti hai.
8. Post-Dated Cheque
Post-Dated Cheque ek aisa cheque hota hai jisme aap future ki date likhte hain. Yeh cheque tab tak valid nahi hota jab tak us par likhi gayi date nahi aati. Yeh generally un transactions ke liye use hota hai, jisme payment ko future mein kisi specific date par karna ho.
Key Features:
- Post-dated cheque par future ki date hoti hai.
- Yeh cheque uss date ke baad hi cash ho sakta hai.
- Iss cheque ka use future payments ke liye hota hai.
Example: Agar aap kisi ko post-dated cheque de rahe hain, to wo cheque us date ke baad hi cash ho sakta hai jo aapne likha hai.
Summary:
Cheques kaafi useful tools hote hain, lekin har ek type ka apna purpose aur safety features hote hain. Aapko har cheque ke type ko samajhna zaroori hai, taaki aap apne financial transactions ko secure aur efficient bana sakein.
Important Note: Har cheque ka proper use karna zaroori hai, kyunki galat tareeke se cheque ka istemal frauds aur legal problems ka kaaran ban sakta hai.
0 Comments