How to Write Cheque Amount in Words in India
Updated 2026-09-28 · 11 min read
Quick answer
On an Indian cheque write "Rupees" + amount in words + "only": ₹50,000 → "Rupees fifty thousand only"; ₹50,000.75 → "Rupees fifty thousand and seventy-five paise only". Use lakh/crore, match the figures box exactly, and never leave blank space on the words line.
Indian cheque format, field by field
- Date (DDMMYYYY) — CTS cheques require the 8-box date format.
- Pay — payee name in block letters.
- Rupees (in words) — the long line: "Rupees two lakh fifty thousand only".
- Figures box — ₹ preceded amount: 250000. Must match the words.
- A/c No. — pre-printed on CTS cheques; verify it.
- Signature — above the "please sign above" line, matching the bank record.
CTS cheque rules to know
India uses Cheque Truncation System (CTS) cheques with standardized layouts, a watermark, and the words "CTS-2010" printed on them. Old non-CTS cheques are no longer valid. Write with dark ink, keep the MICR band clean, and avoid folding the cheque.
Paise on Indian cheques
Write paise in words after "and": "Rupees ten thousand and fifty paise only". Some people write "Rupees 10000.50 only" mixing figures into the words line — avoid this; write everything in words.
Bearer vs order vs crossed cheques
- Bearer — anyone holding it can cash it; riskiest if lost.
- Order — only the named payee (or endorsee) can receive payment.
- Crossed (two parallel lines) — must be deposited to a bank account, cannot be cashed over the counter. Safest for large amounts.
- Account payee — crossed + "A/C Payee": only the payee's account gets credited.
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Frequently asked questions
How do you write 1 lakh on an Indian cheque?
"Rupees one lakh only" with 100000 in the figures box.
What is a CTS cheque?
A Cheque Truncation System cheque with a standardized layout, watermark and "CTS-2010" marking. Only CTS cheques are valid in India now.
Can I correct a mistake on a cheque?
Minor corrections need your full signature next to the change. For the payee name, amount or date, banks prefer a fresh cheque — rewriting is safer.
How do I write 75 paise on a cheque?
"…and seventy-five paise only" — e.g. "Rupees five thousand and seventy-five paise only".