Different reasons for a cheque to get bounced:

1. When the signatures on the cheque and the signatures on the official documents of the bank account like passbook etc. do not match.


2. Where there is clear overwriting on the cheque


3. When the cheque is presented after the expiry of 3 months (validity of a cheque), i.e. after the cheque has expired.


4. In case the bank account has been closed by the account holder or by the bank itself.


5. When there are insufficient funds in the bank account of the drawer.


6. In case payment has been stopped by the account holder i.e. the drawer.


7. When the opening balance in the bank account is insufficient.


8. When there is clear inconsistency in the figures and the words presented on the cheque.


9. When there is no seal/ stamp of the company that has issued the cheque.


10. When there is inconsistency in the account number in the cheque.


11. When the cheque has been issued from a joint account where signatures of both the account holders are required but the cheque only bears one sign.


12. In case the drawer or the drawee has died.


13. When the drawer has turned insolvent.


14. When the drawer has turned insane.


15. In case of a crossed cheque (a crossed cheque is when the drawer specifies a general instruction to the bank in relation to the cheque).


16. In case the cheque has been issued against the rules of trust.


17. In case there have been alterations in the cheque.


18. In case the bank has doubt in the authenticity of the cheque.


19. In case the drawee presents the cheque at the wrong branch of the bank.


20. In case the mentioned cheque amount crosses the limit of the cheque overdraft (it is the maximum limit that a bank allows its consumers to withdraw).