Asked by a reader in Bengaluru

Can a cheque bounce case be settled and closed?

Answered by Advocate Sharan Jain··Cheque Bounce Matters

Short answer

Yes. Section 147 makes every offence under the Act compoundable, so the parties can settle at any stage. Settle early: the Supreme Court in Damodar Prabhu prescribed graded costs that increase the later in the proceedings compounding happens.

Unlike most criminal offences, a Section 138 case is designed to be settled. The provision is express and the courts encourage it.

The provision

Section 147 of the Negotiable Instruments Act: notwithstanding anything in the Code of Criminal Procedure, every offence punishable under the Act is compoundable. There is no need for the offence to fall within a schedule, and settlement can happen at any stage, including in appeal.

The cost of settling late

In Damodar S. Prabhu v. Sayed Babalal H. (2010) the Supreme Court set out graded costs to discourage accused persons from dragging a case out and then settling on the courthouse steps:

Stage of compoundingCosts payable
At the first or second hearingNo costs
Later before the Magistrate10 percent of the cheque amount
Before the Sessions Court or High Court15 percent of the cheque amount
Before the Supreme Court20 percent of the cheque amount

Costs are ordinarily deposited with the Legal Services Authority.

This scale is guidance, not a binding rule
The Supreme Court has since held that the cost-for-compounding directions in Damodar S. Prabhu cannot be treated as a binding precedent, and has set aside cost orders imposed mechanically on that basis. Treat the table as an indication of judicial thinking and of the risk of delay, not as a tariff the court must apply. If costs are being levied on you purely by reference to the scale, that is arguable.
Lok Adalat is the best route for these
Cheque bounce matters are the single largest category taken up in National Lok Adalats. There is no court fee, the settlement is recorded as an award which is deemed a decree, it is binding and not appealable, and it is executable if the accused defaults on the instalments. If both sides are willing, this is faster and cheaper than compounding through the regular court.

How to document a settlement properly

  • Record the full amount, the instalment schedule, and the mode of payment.
  • Include a default clause: what happens if an instalment is missed, and whether the complainant may revive the complaint or execute the award.
  • Record what happens to the original cheque and any security.
  • File a joint memo before the court and obtain an order compounding the offence and acquitting the accused. Do not simply take the money and stop attending.

Where the settlement is reached after conviction, the High Court can also be approached to quash the proceedings, applying the reasoning in Gian Singh.

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Go deeper on this

This answer is the short version. These guides cover the same ground in full, with the procedure, the timelines and the leading cases.

SJ

Answered by

Advocate Sharan Jain

Advocate based in Bangalore, practising before the Karnataka High Court and District, Sessions, Consumer and Family courts. Answers public legal questions to make Indian law more accessible.

This answer is general information on Indian law as at July 29, 2026, published for public education. It is not legal advice, it does not take account of your facts, and reading it does not create an advocate-client relationship. Law changes and every case turns on its own circumstances. Please consult a qualified advocate about your own matter.

People also asked

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My cheque bounced. What do I do first and what are the time limits?

30 days from the bank's return memo to send the demand notice, 15 days for the drawer to pay, then 30 days to file the complaint. Miss the notice window and you usually lose the criminal remedy.

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I have been summoned in a cheque bounce case. What actually happens in court?

It is a summons case tried summarily. You appear, are furnished the complaint, your plea is recorded, the complainant's evidence usually goes in by affidavit, you cross-examine, your statement is recorded, then defence evidence and arguments. Most cases settle before that finishes.

Criminal Law & Bail

I cannot afford a lawyer. Can I get one free?

Yes. Free legal aid is a statutory right under the Legal Services Authorities Act, 1987 for defined categories including women, children, SC and ST members, persons in custody, and anyone below the prescribed income limit. Apply at the District Legal Services Authority in the court complex.

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The other side says the cheque was only given as security. Does that end the case?

No, not automatically. A cheque given as security can still attract Section 138 if a legally enforceable debt existed when it was presented. It is a defence the accused has to prove, not an exit.

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The cheque was issued by a company. Can the directors be prosecuted personally?

Yes, under Section 141 of the NI Act, but only those who were in charge of and responsible for the conduct of the business at the relevant time. The company must itself be arraigned as an accused, and the complaint must contain a specific averment about each director.

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Someone owes me money and will not pay. What are my options?

Start with a legal notice. Then pick the route by what documents you hold: a summary suit under Order 37 CPC if the debt is on a written instrument, a Section 138 complaint if a cheque bounced, MSME Samadhaan if you are a registered micro or small supplier, or arbitration if the contract provides for it.

S Jain & Attorneys · Ask Me

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