English title translated by Policy Nepal for navigation. The Nepali legal text is authoritative.
- Type
- Act
- Year
- २०८२ BS
- Status
- Status not yet confirmed
- Official text
- Official page
Analysis drawn from official reports, court rulings and published research, each cited. Figures are being double-checked against the source documents; corrections are welcome.
What does it do?
- This Act amends the Banking Offence and Punishment Act, 2064, mainly to deal with bounced cheques inside banking law, and extends the Act to cooperative banks formed under the Cooperatives Act, 2074. A cooperative bank may not carry out banking business without Nepal Rastra Bank approval. The Act repeals Section 107क of the Negotiable Instruments Act, 2034, though cases already filed under that section continue under it.यो ऐनले बैङ्किङ कसुर तथा सजाय ऐन, २०६४ संशोधन गरी चेक अनादरलाई बैङ्किङ कानूनभित्र समेटेको छ र सहकारी ऐन, २०७४ बमोजिम गठित सहकारी बैंकलाई पनि ऐनको दायरामा ल्याएको छ। सहकारी बैंकले नेपाल राष्ट्र बैंकको स्वीकृतिबिना बैङ्किङ कारोबार गर्न पाउँदैन। यसले विनिमय अधिकारपत्र ऐन, २०३४ को दफा १०७क खारेज गरेको छ, तर सो दफाबमोजिम दायर भइसकेका मुद्दा सोहीबमोजिम किनारा हुन्छन्। Nepal Gazette (Nepal Rajpatra), Department of Printing, Government of Nepal — scanned gazette issue Section 2, PDF pp. 2–3; Sections 6 and 11, PDF pp. 5 and 7; Section 12, PDF p. 8
- A new Section 3क bars issuing a cheque without enough money in the account. The bank must return an unpaid cheque and, if the holder asks, notify the account holder and give up to 45 days to deposit funds; if the cheque still cannot be paid, the bank certifies the dishonour within three days. The account holder can settle at any time by paying the holder. A complaint may be filed within one year of certification and the case must reach the district court within six months of the complaint.नयाँ दफा ३क ले खातामा पर्याप्त रकम नभई चेक जारी गर्न निषेध गरेको छ। बैंकले भुक्तानी हुन नसकेको चेक फिर्ता दिनुपर्छ र धारकले चाहेमा खातावालालाई बढीमा पैँतालीस दिनको म्याद दिई रकम जम्मा गर्न सूचना दिनुपर्छ; म्यादपछि पनि भुक्तानी हुन नसके तीन दिनभित्र चेक अनादरको व्यहोरा प्रमाणित गर्नुपर्छ। खातावालाले जुनसुकै बखत धारकलाई रकम तिरी चेक फिर्ता लिन सक्छ। चेक अनादर प्रमाणित भएको एक वर्षभित्र जाहेरी दिन सकिन्छ र जाहेरी परेको छ महिनाभित्र जिल्ला अदालतमा मुद्दा दायर गरिसक्नुपर्छ। Nepal Gazette (Nepal Rajpatra), Department of Printing, Government of Nepal — scanned gazette issue Section 4, new Section 3क, PDF pp. 3–4; Section 8, new Section 17(1क), PDF p. 6
- For a certified bounced cheque, the drawer must pay the holder the amount plus lawful interest, a fine of 5% of the amount, and imprisonment that rises with the amount: up to one month for up to Rs 15 lakh, rising in bands to two to four years for more than Rs 10 crore. Pre-trial detention may not exceed the possible sentence. If the defendant pays the cheque amount and both sides agree, the case can be settled through the government attorney during investigation or in court, and no punishment then applies.चेक अनादर प्रमाणित भएमा चेक जारी गर्ने खातावालाबाट धारकलाई बिगो र कानूनबमोजिमको ब्याज भराई बिगोको पाँच प्रतिशत जरिवाना र बिगोअनुसार कैद हुन्छ: पन्ध्र लाख रुपैयाँसम्ममा एक महिनासम्म कैददेखि दश करोडभन्दा बढीमा दुईदेखि चार वर्षसम्म कैद। थुनामा राख्ने अवधि सम्भावित सजायभन्दा बढी हुँदैन। प्रतिवादीले चेकको रकम धारकलाई बुझाई दुवै पक्षले चाहेमा अनुसन्धानका क्रममा सरकारी वकिलमार्फत वा अदालतमा मिलापत्र गर्न सकिन्छ र मिलापत्र भएपछि सजाय हुँदैन। Nepal Gazette (Nepal Rajpatra), Department of Printing, Government of Nepal — scanned gazette issue Section 7, new Section 15(1क), PDF pp. 5–6; Section 9, PDF p. 6; Section 10, new Section 26क, PDF pp. 6–7
Gaps, loopholes and improvement ideas
None documented in the official reports we have reviewed so far.
Where does it conflict with other laws?
No conflict with another law is documented in the sources we have reviewed so far.