Negotiable Instruments Act, 1881 · Chapter IV: Of Negotiation · O f p r e s e n t m e n t
Section 72: Presentment of cheque to charge drawer
In plain words
Subject to section 84, to charge the drawer, a cheque must be presented at the bank it is drawn on before the relationship between the drawer and the bank changes to the drawer's disadvantage.
A simplified explanation, prepared with AI assistance from the official text below and checked automatically against it for numbers and cross-references. The official text is the law and prevails over this summary. Not legal advice.
Official text
[Subject to the provisions of section 84,] a cheque must, in order to charge the drawer, be presented at the bank upon which it is drawn before the relation between the drawer and his banker has been altered to the prejudice of the drawer.
Source: India Code (indiacode.gov.in), the consolidated text published by the Legislative Department, Government of India. Text as updated on India Code on 15 October 2026. Words in square brackets [ ] were inserted or substituted by later amending Acts, and *** marks words omitted by an amendment. The amendment footnotes are not reproduced here. Official text on India Code.