Why some cheques are still getting delayed under NPCI’s new system

The National Payments Corporation of India (NPCI) on Thursday said that while the transition to the new continuous cheque clearing system has largely stabilised, some teething issues continue to persist both at the central system and at certain banks.

The new system, implemented on October 4, 2025, as per the Reserve Bank of India’s directions, replaced the earlier batch-based (t+1) process to enable faster, same-day cheque clearance.

Since its rollout, NPCI said it has processed over 2.56 crore cheques worth ₹3.01 lakh crore through the central system.

“As of date, every instrument presented for clearing by banks has been cleared and positive or negative confirmation provided. Banks have been advised to credit customers’ accounts for the positively confirmed cheques,” NPCI said in a statement.

However, the payments body acknowledged that some operational and system-level challenges remain, leading to occasional delays in cheque processing.

“While most issues have been resolved, some teething issues continue to be observed in the systems and processes at the central system as well as at some banks,” it said.

NPCI added that efforts are underway to iron out these glitches and ensure all cheques presented are paid on the same day.

It also apologised for delays faced by customers in the initial days following the rollout.

“We regret the inconvenience caused due to these delays. We remain committed to ensuring a smooth cheque clearing experience and appreciate your continued support and understanding in transitioning to continuous clearing,” NPCI said.