How to Write 1 Lakh on a Cheque (Pakistan & India)
By WordsForNumbers Editorial Team · Updated 2026-09-30 · 20 min read
Write "Rupees one lakh only" on the words line and 100000 (or 1,00,000) in the figures box. Start at the far left, end with "only", and draw a line through any empty space.
The exact wording
| Field | What to write |
|---|---|
| Pay | Recipient name (or "Self") |
| Words line | Rupees one lakh only |
| Figures box | 100000 |
| Date | Current date (cheques older than 6 months are stale) |
Why "one lakh" and not "100,000"?
The words line must contain words, not digits. "One lakh" is the standard Indian-system wording used across Pakistan and India. Writing "one hundred thousand" is technically understandable but non-standard locally and may raise eyebrows at the branch.
With paise: 100000.50
"Rupees one lakh and fifty paise only" with 100000.50 in the figures box. The paise must be in words too — never write "Rs 100000.50 only" on the words line.
Errors that bounce 1-lakh cheques
- Writing "one lac" — informal; use "lakh".
- Figures box says 100000 but words say "one lakh fifty thousand".
- Leaving space before "Rupees" where extra words could be inserted.
- Signature not matching the bank record.
1 lakh in the figures box
Write 100000 in the figures box. Indian grouping (1,00,000) makes the number easier to read, but cheque boxes rarely have comma slots, so plain 100000 is the safest choice. Many people add /- after the figures (100000/-) to close the amount — banks in both countries accept this.
Amounts near 1 lakh
| Amount | Words line | Figures |
|---|---|---|
| 100000 | Rupees one lakh only | 100000 |
| 125000 | Rupees one lakh twenty-five thousand only | 125000 |
| 150000 | Rupees one lakh fifty thousand only | 150000 |
| 250000 | Rupees two lakh fifty thousand only | 250000 |
| 1000000 | Rupees ten lakh only | 1000000 |
Bank-specific notes for Pakistan and India
- Pakistani banks (HBL, MCB, UBL, Meezan) and Indian banks (SBI, HDFC, ICICI) all accept lakh wording — it is the industry standard.
- Cross a 1-lakh cheque (account payee) instead of leaving it as a bearer cheque; bearer cheques of this size are a fraud risk.
- Keep your CNIC (Pakistan) or Aadhaar/PAN (India) handy — banks may ask for ID on large encashments.
- Post-dated cheques are fine, but the date must be within 6 months; older cheques go stale and bounce.
If the bank rejects the cheque
Never overwrite or correct a rejected cheque — cancel it and issue a fresh one. The most common fixable cause is a words-vs-figures mismatch; recheck both lines carefully before signing the replacement.