A Cheque's Journey

Meet Lily Abraham, whose jam is a local favourite.

A supermarket owner writes her a cheque for 10 cases of it.

Twenty-five thousand rupees for the order.

She takes it to her bank to pay it in.

Insufficient funds. The cheque has bounced.

And so begins its long journey through the courts.

A sample cheque made out to Lily Abraham for twenty-five thousand rupees
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Plain-language glossary

The jargon, decoded

The court process runs on a vocabulary of its own. Here is what the terms on this page actually mean.

§138, Negotiable Instruments Act
The law that makes issuing a cheque that later bounces a criminal offence, and sets out how the complaint is filed and tried.
Return memo
The slip a bank issues when a cheque is dishonoured, stating why it didn't clear. It is the founding piece of evidence for the case.
Scrutiny & the FSO
The court's first check that a new complaint is complete and correctly filed, carried out by the Filing Scrutiny Officer (a court clerk) or the judge.
Registration & PCR number
Logging the complaint into the court's records. It is entered in the Private Complaint Register (PCR) and given a number that tracks it thereafter.
Cognizance
The judge formally deciding there is enough in the complaint to proceed, at which point a private complaint becomes a criminal case.
Summons
The court's official order telling the respondent to appear on a given date.
Process fee
The charge the complainant pays to cover the cost of preparing and delivering the summons.
RPAD & AD card
Registered Post with Acknowledgement Due: registered post whose acknowledgement-due (AD) card is signed on delivery and returned to court as proof of service.
CIS
The Case Information System, the software that tracks the status, dates and orders of every case. In Kerala it is integrated with e-filing.
Vakalat
The document by which a litigant authorises an advocate to represent them in the case.
Bail & surety
Bail is the accused's conditional release pending trial; a surety, a person or a cash deposit, guarantees they will keep attending hearings.
BW / NBW
A Bailable or Non-Bailable Warrant: an order to secure the respondent's presence when they fail to appear despite being summoned.
Proclamation
A public notice, published in a newspaper, ordering a person who is evading the court to appear, used when a warrant cannot be executed.