::Dishonour of Cheque in Pakistan

Dishonour of Cheque…Law and Remedies in Pakistan

Frequently Asked Questions (FAQs) on Dishonour of Cheque in Pakistan:

Q. What are the conditions that make dishonouring of a cheque an offence in Pakistan?

A. When cheque is issued dishonestly by one person to the other.

Q. In what circumstances dishonouring of cheque is not an offence in Pakistan?

A. Each case has its own facts; however, dishonouring of a cheque is not an offence when signatory has made arrangements with his bank to ensure that the cheque will be honoured and that the bank was at fault in not honouring the cheque.

Q. What is the penalty for dishonouring of a cheque in Pakistan?

A. Issuance of cheque dishonestly is an offence under the statute both civil and criminal remedies could be availed simultaneously in such matters. Punishment on bouncing of cheque is imprisonment which may extend to three years and with fine.

Q. What can I do when a cheque is dishonoured for the reason of insufficient funds? What legal action I can take to get the amount cleared?

A. You can lodge First Information Report against the signatory and at the same time can also file a civil suit, there is no legal bar if criminal and civil proceedings continue simultaneously. Our advice is before lodging F.I.R. notice of dishonour of cheque should also be given.

Q. I have got my cheque dishonoured which was issued by a company, is there any remedy to recover my amount? Presumption is we cannot lodge F.I.R. against a company.

A. Each case has its own facts, you can lodge First Information Report against the signatory who issued the cheque and at the same time can also file a civil suit, there is no legal bar if criminal and civil proceedings continue simultaneously.

Q. We are in the business of manufacturing wooden furniture. During course of our business we supplied furniture of Rs 1 million, but our client dishonoured the cheque. We lodged First Information Report (FIR) under section 489-F Pakistan Penal Code after that he paid us half the amount and then he ran away. We do not have any idea about his whereabouts. Court has issued proclaimed offender notice, he is untraceable. Now as he is untraceable and vanished still what can we do?

A. After getting him declared as proclaimed offender you should ask the court to proceed in the matter and get all your evidence recorded, this will help you when he will be arrested and if at that time for some reason or the other witnesses are not available court can proceed with the matter on the basis of the evidence earlier recorded in his absence. Simultaneously, on his last known address you can also file suit for recovery in the civil court.

Q. I have a cheque dishonoured, now where to lodge an F.I.R.? The place of the bank where the cheque was dishonoured or the place where the cheque was handed?

A. Each case had to be seen on its own facts and circumstances you can lodge FIR where the cheque was dishonoured or the place where the accused carries out his business.

Q. A partnership firm gave a cheque to me, cheque was presented which was dishonoued. Now they closed the partnership firm and dissolved it. My question is can still I have any remedy?

A. On civil side all the partners are jointly and severally liable to pay the amount but as far as criminal proceedings are concerned a partner who issued/signed the cheque can only be prosecuted.

Q. We are three partners in a firm, two of partners are active and they are running the business and taking care of day to day affairs of the firm. My position is only as a sleeping partner. Cheques are signed and issued by the two working partners. In case a cheque bounces and legal action takes place under section 489-F Pakistan Penal Code are all the partners are liable or only those who have signed the cheque?

A. The person who issued the cheque will be prosecuted. And on civil side if the person committing an offence is a partnership or a company every person who at the time of the offence was in charge of and was responsible shall be deemed to be guilty and liable to be proceeded against and punished accordingly.

Q. What about offence by companies in Pakistan?

A. If cheque is issued dishonestly, signatory of a cheque and CEO of the company will be prosecuted.

We can advise you on cheque bouncing, recovery of debt, recovery of money, legal notice for cheque dishnonour, lodging of First Information Report (F.I.R.) and other related matters to individuals, firms, and companies both local and foreign. You can contact us for detailed consultancy and advice.

Disclaimer: This site and any information contained herein is intended for informational purposes only and should not be construed as legal advice.


184 comments on “::Dishonour of Cheque in Pakistan

  1. I have a cheque dishonered. But i dont have original chequ and original memo.i only bears duplicate memo.and i have presented this cheque to bank officials 14 months ago.i mean this duplicated memo is 14 months old.can i recover my money through court.


  2. I have issued a cheque in favour of someone he changed the amount by tempering the actule amount and got it bounced online now he lodge an fir on just giving an application to sho .the original cheque is not presented before the sho nor before AD session judge. What should I do. Advise me some reference case.


    • you must get your pre-arrest bail and join the investigation.
      you must record your version before the investigation officer.
      you must ask the investigation officer for the recovery and production of the original cheque.
      then you must apply to the investigation officer for forensic report regarding the tempering of the amount.


  3. i give my friend loan in his daughter marriage and i take garuatee check.. after all struggle to get my money but he says he will not give my money and his check also blounced what i can use remedies in law


    • You can lodge a criminal case under send tion 489f PLC and you can also file a civil case for the recovery of money lent


Enter your Question here

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s