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Cheque Bounce Case in Pakistan
This article explains the three legal steps available in Pakistan when a cheque bounces.
machine-translated · under review
60-second video · YouTube
Cheque bounced? Do not panic. Pakistani law gives you three paths.
1. Keep the bank's return memo
Keep the bank's return memo and original cheque safe. This is your proof.
Dishonour slip and original cheque — this is your proof.
2. Section 489-F — FIR
Get an FIR [First Information Report] registered under Section 489-F. Giving a cheque dishonestly is a crime — up to three years in prison, a fine, or both.
Giving a cheque dishonestly is a crime: up to three years in prison, a fine, or both.
3. Recovery of money — Civil suit
To get your money back, file a summary suit under Order 37 CPC [Civil Procedure Code] — within three years.
Summary suit under Order 37 CPC — within three years.
In the light of the Quran and Sunnah
The longest verse of the Quran is about debt and dealings: "When you contract a debt for a fixed term, write it down … and take witnesses" (Al-Baqarah 2:282). A cheque is a written promise to pay.
Not paying a debt one can pay is called injustice in hadith: "Delay by a wealthy debtor is oppression" (Sahih al-Bukhari). Section 489-F makes that dishonesty a crime.
Schools of fiqh differ on details; consult a qualified scholar and a lawyer before acting.
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