At a glance
Keep the cheque, return memo, bank-information date, notice and delivery record together. The statutory sequence contains distinct triggers that should not be merged.
General legal-awareness information for Jammu & Kashmir. Applicability, forum and any time limit depend on the governing law and the complete facts. Prepared 2026-10-24.
Law and context
NI Act section 138 addresses presentation within validity, notice within thirty days of receiving bank information and the drawer’s fifteen-day payment period after receipt. Section 142 then addresses the complaint period from the cause of action. A calendar month is not always equivalent to thirty days.
Practical next step
Prepare a date table with original evidence for each event, including any repeat presentation or part-payment. Obtain advice promptly before calculating the final step.
Important qualifications
This guide does not calculate your deadline or decide service. Current bank validity, disputed dates and statutory conditions require individual assessment.
Document checklist
- Cheque and return memo
- Bank-information record
- Notice and delivery
- Payment and event chronology
Sources
General information. The appropriate course depends on the complete facts, documents and applicable law. Editorial process and website disclaimer.