Where any cheque drawn by a person on an account maintained by him with a banker for payment of any amount of money to another person from out of that account for the discharge, in whole or in part, of any debt or other liability, is returned by the bank unpaid, either because of the amount of money standing to the credit of that account is insufficient to honour the cheque or that it exceeds the amount arranged to be paid from that account by an agreement made with that bank, such person shall be deemed to have committed an offence and shall, without prejudice to any other provisions of this Act, be punished with imprisonment for 19 [a term which may be extended to two years], or with fine which may extend to twice the amount of the cheque, or with both: Provided that nothing contained in this section shall apply unless—

(a) the cheque has been presented to the bank within a period of six months from the date on which it is drawn or within the period of its validity, whichever is earlier;
(b) the payee or the holder in due course of the cheque, as the case may be, makes a demand for the payment of the said amount of money by giving a notice in writing, to the drawer of the cheque, 20 [within thirty days] of the receipt of information by him from the bank regarding the return of the cheque as unpaid; and
(c) the drawer of such cheque fails to make the payment of the said amount of money to the payee or, as the case may be, to the holder in due course of the cheque, within fifteen days of the receipt of the said notice.

Explanation.— For the purposes of this section, “debt or other liability” means a legally enforceable debt or other liability.]

138. खाते में धनराशि की अपर्याप्तता, आदि के लिए चेक का अनादर -जहां किसी व्यक्ति द्वारा किसी बैंकर के पास रखे गए खाते पर किसी अन्य व्यक्ति को किसी अन्य व्यक्ति को किसी भी ऋण या अन्य दायित्व के पूर्ण या आंशिक रूप से निर्वहन के लिए भुगतान करने के लिए चेक किया गया चेक है, बैंक द्वारा अवैतनिक लौटाया गया, या तो उस खाते में जमा राशि के कारण चेक का सम्मान करने के लिए अपर्याप्त है या यह उस बैंक के साथ किए गए समझौते द्वारा उस खाते से भुगतान की जाने वाली राशि से अधिक है, ऐसा व्यक्ति करेगा अपराध किया हुआ माना जाएगा और इस अधिनियम के किन्हीं अन्य प्रावधानों पर प्रतिकूल प्रभाव डाले बिना, के कारावास से दंडित किया जाएगा [एक अवधि जिसे दो वर्ष तक बढ़ाया जा सकता है, या जुर्माने के साथ जो चेक की राशि से दोगुना हो सकता है, या दोनों के साथ) बशर्ते कि इस धारा में निहित कुछ भी तब तक लागू नहीं होगा जब तक कि-

(ए) चेक बैंक को उस तारीख से छह महीने(अब तीन महीने)की अवधि के भीतर प्रस्तुत किया गया है जिस पर इसे जारी गया है या इसकी वैधता की अवधि के भीतर, जो भी पहले हो;
(बी) भुगतानकर्ता या धारक चेक के उचित समय में जैसा भी मामला हो, चेक के आहर्ता को लिखित रूप में नोटिस देकर उक्त राशि के भुगतान की मांग करता है, उसके भीतर बैंक से उसके द्वारा भुगतान न किए गए चेक की वापसी के संबंध में सूचना की प्राप्ति के तीस दिन; तथा
सी) ऐसे चेक का आहर्ता उक्त नोटिस की प्राप्ति के पन्द्रह दिनों के भीतर, भुगतानकर्ता या धारक को, जैसा भी मामला हो, चेक के नियत समय में उक्त राशि का भुगतान करने में विफल रहता है।
स्पष्टीकरण.- इस धारा के प्रयोजनों के लिए, “ऋण या अन्य दायित्व” का अर्थ कानूनी रूप से प्रवर्तनीय ऋण या अन्य दायित्व है।

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