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    Bank of Baroda
    P.B. No. 553
    No.32, Sir William Newton Street,
    Port Louis
    Telephone :
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    (230) 208 3891/93
    email: portlo@bankofbaroda.com

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  • Home
  • /Cheque Truncation Procedure

Cheque Truncation Procedure

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The following new procedures have been adopted in respect of Cheque Truncation

Before accepting/presenting at the bank a cheque, please ensure that:

  • Cheque is signed/endorsed
  • The amount in words and figures, the name of the payee and the date are correctly written
  • Cheque is written in blue or black ink
  • Cheque is is not torn
  • Cheque is not a photocopy
  • There is no correcting fluid to cover any field on the cheques
  • Cheque has not been altered with the use of thick felt pen

 Process  Existing  New Procedure
Cheque deposit At the counter No change
Returned cheque Physical cheque returned to holder of the cheque Image Return Document (IRD) returned to holder of the cheque for financial and technical reasons by Port Louis Clearing Dept
Re-presentment of cheque returned for Insufficient funds Original cheque is represented several times with the possibility of crediting another account IRD can be re-presented for a maximum of 2 times only
The IRD will be taken at the counter as a cheque deposit in the same account at the same branch only
Re-presentment of cheque returned for technical error Cheque can be re-presented after corrections made by drawer and signed IRD cannot be re-presented.A new cheque has to be issued. IRD is a proof that the original cheque was not encashed
Corrections on cheques  To be made by drawer and signed. Corrections can be made after first presentation  Corrections can only be made before first presentation
Representment of returned cheques accounting  Returned cheques and normal cheques are mixed while depositing  IRD to be deposited separately in the original account separately from physical cheques