Negotiable Instruments Act Section 72 — Presentment of cheque to charge drawer

CHAPTER IV OF NEGOTIATION

General

Summary

For a cheque to make the drawer legally responsible for payment, it must be shown to the bank it is drawn on before anything changes between the drawer and their bank that would harm the drawer. If the bank relationship is altered in a way that disadvantages the drawer before the cheque is presented, the drawer may not be charged. This rule applies unless another provision of the Act says otherwise.

Official Text

1[Subject to the provisions of section 84,] a cheque must, in order to charge the drawer, be presented at the bank upon which it is drawn before the relation between the drawer and his banker has been altered to the prejudice of the drawer.