Cancelled Cheque 2026 — Image, Format, Samples & PDF Download

In this post find What is a cancelled cheque and Examples of Cancelled cheques.

What is a Cancelled Cheque Leaf

You can prove that you have an account with a specific bank by presenting the cancelled check as proof. In many instances, you will be required to provide a cancelled check for your bank account details to be validated.

What is a cancellation cheque?

You are not required to sign the check that has been cancelled. The voided check will be utilized to collect information such as the account number, the account holder’s name, the MICR code, the bank and branch names, and the IFSC code. It is important to keep in mind, however, that the line or the word “CANCELLED” that appears on your cancelled check should not obscure the details of the check. This cancelled check is not valid and neither you nor anyone else will be able to withdraw money using this check because it is the only proof that you have an account.    

How do I write a check that has been cancelled?

It is not difficult to write a check that has been cancelled. It is not necessary to provide any specific details. If you want to write a check that has been cancelled, you need to keep in mind the following points: 1) Please use a fresh cheque. 2) You are not permitted to write any information on the check, including the recipient’s name, the amount, or their signature.   3) Write the word “CANCELLED” in all capital letters between two lines that are parallel to one another. 4) Ensure that the parallel documents do not conceal any vital pieces of information, including the account number, IFS code, MICR code, account holder name, bank name, and location.  

When do you need a cancelled cheque?

In the following circumstances, you might be required to submit a cancelled check: EMI : When it comes to paying for a high-priced item or a technological device, the most popular method of doing so is through equivalent monthly instalments, or EMI for short. Even on loans such as mortgages, car loans, student loans, and personal loans, individuals are required to make monthly payments in the form of instalments. In order to initiate the process of making monthly payments, you are required to present a cancelled check as evidence that you have a bank account. Mutual Funds: In order to invest in either the stock market or mutual funds, you will need to open a Demat account. When opening an account with the company, you might be asked to provide a copy of a cancelled check, as a means of establishing ownership over the bank account that will be used to make deposits. In accordance with Know Your Customer (KYC) guidelines, a cancelled check is required. Provident Fund Withdrawal: When you want to withdraw money from your EPF, companies typically require that you provide a cancelled check. Electronic Clearance Service (ECS): An electronic clearance service for any transaction that you decide to carry out. Every month, there will be a cash withdrawal taken out of the account, and in order for the bank to process it, you will need to provide the institution with a cancelled check. In this scenario, you will need to establish a system that provides electronic clearance. Insurance Policies: When selecting an insurance policy, certain organizations demand a cancellation check from the individual who is willing to purchase such a policy. Always make sure that your signature is not affixed to the cancelled check; if it is, it may be easy for fraudsters to get their hands on your money. Nevertheless, if a signature on the check leaf is required, a statement or declaration should be made in support of this requirement.

Cancelled check Images

 

How to write someone a Cheque

This tutorial will demonstrate how simple it is to write a check by walking you through each step in detail.

Cheque Date

Date: The date and time of today should be written in the upper right-hand corner. The date of today should be used in the majority of situations because doing so enables both you and the recipient to maintain accurate records. You also have the option of postdating the check, although the results of this action are not always what you anticipate they will be.

Payee Name

Payee: In the space designated for “Pay to the order of,” write the name of the individual or organization that is receiving payment from you. Because this information must be correct, if you are unsure of what to write, you may find it necessary to inquire as to “Who do I make the check out to?”

Cheque Amount

Amount expressed as a number: Fill out the amount of your payment in the little box that is located on the right-hand side of the page. Put your first letter as far to the left as you can when you start writing.

Cheque Amount in Words

 Amount in words: To prevent fraud and misunderstanding, the amount should be written out using words. This will be the final amount that you are responsible to pay. If the numeric form of the amount that you entered in the previous step is different from the amount that you wrote with words, the amount that you wrote with words will be considered the amount of your check for legal purposes. Employ only capital letters, which are more difficult to change.

Account Holder Signature

Signature: Make sure that your signature is legible and placed on the check in the bottom-right corner. Keep your name and signature consistent with what the bank has on file. This step is essential because a check that does not have a signature attached to it will not be valid.

Note

Memo (or “For”) line: Feel free to include a note if you’d like. This step is entirely discretionary and will have no bearing on how the bank processes your check. If you need to remind yourself of the reason you wrote the check, the memo line is a good place to do so. It is also possible that this is the space in which to write information that your payee will use in order to process your payment (or find your account if anything gets misplaced). For more updates, Follow us on Facebook and YouTube. Related Posts:

• NACH Full form in banking
• What is NEFT Form in Bank
• SBI Business loan
• How to Block SBI ATM Card Online
• How to get Bank account Balance Information Through Missed Call
• How to Open a Post Office Savings Account

What Information Does a Cancelled Cheque Contain?

A cancelled cheque reveals these banking details which is why financial institutions accept it as proof:

Detail	Where Found on Cheque	Why It Matters
Account Holder Name	Pre-printed at top left	Confirms identity of account owner
Bank Account Number	Printed at bottom of cheque	Unique account identifier for transfers
IFSC Code	Printed on cheque face	Identifies the specific bank branch for NEFT/RTGS
MICR Code	Magnetic ink numbers at bottom	Used for cheque clearing and ECS mandates
Bank Name and Branch	Pre-printed on cheque	Confirms which bank and branch
Cheque Number	Top right corner	Not relevant for cancelled cheque and ignored by banks

How to Cancel a Cheque Correctly Step by Step

1. Take a blank cheque from your chequebook and do not fill in any amount date or payee name.
2. Using a blue or black ink pen draw two parallel diagonal lines across the full width of the cheque.
3. Write CANCELLED in bold capital letters between the two parallel lines.
4. Ensure all pre-printed details remain clearly visible including account number IFSC code name and bank name.
5. Do NOT write a signature amount date or payee name on the cancelled cheque.
6. Submit or upload as required and keep a photocopy for your records.

When Is a Cancelled Cheque Required 12 Use Cases

Use Case	Who Asks For It	Purpose
KYC Verification	Banks NBFCs brokers	Verify bank account ownership
Salary Account Setup	Employer or HR department	Ensure salary reaches correct account
Home or Personal Loan EMI	Bank or NBFC	Set up automatic EMI deduction via ECS/NACH
EPF/PF Withdrawal	EPFO Employee Provident Fund	Confirm bank account for PF transfer
Insurance Policy	LIC private insurers	Premium auto-debit and claim settlement
Mutual Fund Investment	AMC SEBI-registered platforms	Link bank account for SIP or lump sum
Demat or Trading Account	Stock broker Zerodha Groww etc	Mandatory KYC requirement by SEBI
ECS or NACH Mandate	Any lender or subscription service	Auto-debit setup for recurring payments
Income Tax Refund	Income Tax Department	Credit refund to correct bank account
Government Schemes	PM-Kisan LPG subsidy PAHAL solar schemes	Direct benefit transfer to correct account
Fixed or Recurring Deposit	Bank or Post Office	Link savings account for maturity payout
Credit Card Application	Banks and card issuers	Verify billing account for payment setup

Can You Submit a Digital or Online Cancelled Cheque?

Yes many institutions now accept a scanned or photographed cancelled cheque uploaded online. Here is how to do it correctly:

1. Cancel the cheque physically using the steps above.
2. Photograph it in good lighting and ensure all details are clearly readable.
3. Scan as PDF or JPEG at minimum 200 DPI resolution.
4. Ensure the image is not blurred cropped or has any details hidden.
5. Upload as required and most platforms accept PDF or JPG formats under 2MB.

Important: Never hide or blur any information when uploading a cancelled cheque. Submit only to trusted verified institutions including banks SEBI-registered platforms EPFO and licensed insurers.

Can One Cancelled Cheque Be Used Multiple Times?

Yes. One cancelled cheque can be reused for multiple verifications including salary setup mutual fund KYC EPF and loan applications as long as your bank account remains active and details have not changed. Banks and institutions only verify the printed details and the cheque number itself is ignored for cancelled cheque purposes.

Common Mistakes to Avoid When Submitting a Cancelled Cheque

• Signing the cheque is unnecessary and can create confusion. Sign only if specifically requested.
• Using red or pencil to cancel may cause rejection. Always use blue or black ink pen.
• Hiding account details by covering or blurring account number or IFSC makes it invalid.
• Using a cheque from a closed account is not accepted. Must be from an active bank account.
• Submitting to unverified parties is risky. Only provide to licensed RBI-regulated institutions.
• Poor image quality when uploading causes rejection. Ensure clear readable images only.
• Filling in any amount or date is wrong. A cancelled cheque must be blank except for CANCELLED text.

Is a Cancelled Cheque Safe to Share Security Tips

A cancelled cheque cannot be used to withdraw money or make payments. However it contains sensitive banking information. Follow these security rules:

• Share only with RBI-regulated banks SEBI-registered brokers licensed insurers and government departments.
• Keep a record of where you submitted your cancelled cheque and for what purpose.
• When submitting physically write the purpose on the cheque such as For KYC verification only.
• Never share with unknown individuals unverified websites or on social media.
• Never share via WhatsApp with strangers as this is a common fraud tactic.
• Do not post images of your cancelled cheque publicly online.