Illustrative but not exhaustive list of objections where customers are not at fault Return reason code applicable to instruments presented in CTS)įake/Forged/Stolen-draft/cheque/cash order/interest warrant/dividend warrant Required information not legible/ correctīank's certificate ambiguous/ incomplete/ requiredĭraft lost by issuing office/ confirmation required from issuing officeĪlterations on instrument- Other than 'Date' field (Alteration/correction on instruments are prohibited under Cheque Truncation System. Pay order/ cheque requires counter signature Payee's separate discharge to bank required Payee's endorsement irregular / requires collecting bank's confirmationĮndorsement by mark/ thumb impression requires attestation by Magistrate with sealĭrawee bank's fund with sponsor bank insufficient Instrument specially crossed to another bankĪmount in protective crossing required/illegible Image not clear, present again with paperĪccount blocked (situation covered in 21-25)

Instrument mutilated requires Bank's guaranteeĬheque irregularly drawn/ amount in words and figures differs Withdrawal stopped owing to insolvency of account holder Withdrawal stopped owing to lunacy of account holder Withdrawal stopped owing to death of account holder Kindly contact Drawer/Drawee Bank and please present again.ĭrawer's signature to operate account not receivedĭrawer's authority to operate account not receivedĪlteration requires drawer's authentication