Indian Bank · statement narration
CHQ RETURN CHG
Also printed as: CHEQUE RETURN CHARGES · CHQ BOUNCE CHG · RETURN CHG · INWARD RETURN CHG
Decoded
A charge when a cheque is returned unpaid. Amounts differ depending on whether the cheque was one you issued or one you deposited.
Hinglish meinCheque bounce hone par lagne wala charge. Aapne diya tha ya jama kiya tha, uske hisaab se amount alag hota hai.
- Up to Rs 1 lakh
- ₹250 + 18% GST
- Above Rs 1 lakh to Rs 1 crore
Above Rs 1 lakh to Rs 1 crore, ₹500 + 18% GST
From Indian Bank — Service Charges (Last Updated 20.04.2026)
Verified
- ₹500 + 18% GST
CHQ RETURN CHG on your Indian Bank statement — A charge when a cheque is returned unpaid. Amounts differ depending on whether the cheque was one you issued or one you deposited. The bank publishes a rate table, not one figure; the rates are below.
Read from Indian Bank — Service Charges (Last Updated 20.04.2026) on 2026-09-05.
Cheque-related charge: what other banks publish
Bank’s own figures, before GST. Where a bank publishes several rates, the bar runs from its lowest to its highest — its table below says which applies to whom. Tap a figure for its source.
Not on this chart (2)
- Canara Bank — Levied each time rather than each time, so not drawn against the others.
- ICICI Bank — Levied each time rather than each time, so not drawn against the others.
What it costs, including GST1 rule · rate table, conditions and waiver
Retail Banking Service Charges · Branch
Inward cheque return: Rs 250 up to Rs 1 lakh, Rs 500 above Rs 1 lakh to Rs 1 crore, Rs 750 above Rs 1 crore.
| Rate | Bank’s figure | With 18% GST |
|---|---|---|
| Up to Rs 1 lakh | ₹250 | ₹295 |
| Above Rs 1 lakh to Rs 1 crore | ₹500 | ₹590 |
| Above Rs 1 crore | ₹750 | ₹885 |
The bank's figure is before tax, so 18% GST is added on top.
Applies when: Indian Bank accounts; a cheque received for payment that is returned. Banded by the amount of the cheque. GST is additional.
Why it happened and how to avoid it
Why it happened
A cheque was returned unpaid, most often for insufficient balance or a signature mismatch.
How to avoid it
Keep sufficient balance before the cheque is presented. Where the return was for a technical reason not caused by you, banks generally levy no charge and you can ask for a reversal.
Dispute this chargeRBI dispute template, ready to copy
Official source1 document
- Indian Bank — Service Charges (Last Updated 20.04.2026)
Retrieved 2026-09-05
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