In India, a cheque is valid for a period of three months (90 days) from the date of issue written on the instrument. This rule, mandated by the Reserve Bank of India (RBI), applies to all:
- Personal and business cheques
- Demand drafts
- Pay orders
- Banker's cheques
If a cheque is presented to the bank after this three-month window, it is considered a stale cheque and will not be honored for payment. In such cases, the payee must request a fresh cheque from the drawer.