Valid CTS cheque Return Reason

Reasons for Dishonor of Chques under CTS clearing along with code and their short explanation

Return Reason due to Financial Problem

01	Funds insufficient
02	Exceeds arrangement Normal Returns
03	Effects not cleared/present again
04	Refer to drawer Normal Returns
05	Kindly contact Drawer/Drawee Bank and please present again
20	Payment stopped by drawer Normal Returns
21	Payment stopped by attachment order Normal Returns
22	Payment stopped by court order Normal Returns
23	Withdrawal stopped owing to death of account holder Normal Returns
24	Withdrawal stopped owing to lunacy of account holder Normal Returns
25	Withdrawal stopped owing to insolvency of account holder Normal Returns
50	Account closed Normal Returns
51	Account transferred to another branch Normal Returns
52	No such account Normal Returns
53	Title of account required Normal Returns
54	Title of account wrong/ incomplete Normal Returns
55	Account blocked (situation covered in 21-25 Normal Returns

Return Reason due to Signature Problem

10	Drawers signature incomplete
11	Drawers signature illegible
12	Drawers signature differs
13	Drawers signature required
14	Drawers signature not as per mandate
15	Drawers signature to operate account not received
16	Drawers authority to operate account not received
17	Alteration require drawers authentication

Return reason due to Technical problem

30	Instrument post-dated Normal Returns
31	Instrument out dated/stale
32	Instrument undated/without proper date
33	Instrument mutilated/requires Banks guarantee
34	Cheque irregularly drawn/amount in words and figures differ
35	Clearing House stamp/date required
36	Wrongly delivered/Not drawn on us
37	Present in proper zone Normal Returns
38	Instrument contains extraneous matter Normal Returns
39	Image not clear/present again with paper
40	Present with document Normal Returns
41	Item Listed Twice
42	Paper not received
60	Crossed to two banks Normal Returns
61	Crossing stamp not cancelled Normal Returns
62	Clearing stamp not cancelled Normal Returns
63	Instrument specially crossed to another bank Normal Returns
64	Amount in protective crossing incorrect Normal Returns
65	Amount in protective crossing required/illegible
66	Payees endorsement required
67	Payees endorsement irregular/requires collecting banks confirmation
68	Endorsement by mark/thumb impression requires attestation by Magistrate with seal
69	Advice not received
70	Amount/Name differs on advice
71	Drawee banks funds with sponsor bank insufficient
72	Payees separate discharge to bank required
73	Not payable till 1st proximo
74	Pay order/cheque requires counter signature
75	Required information not legible/correct
80	Banks certificate ambiguous/incomplete/required
81	Draft lost by issuing office/confirmation required from issuing office
82	Bank/Branch Blocked
83	Digital Certificate Validation failure
84	Other Reason Connectivity Failur
85	Alterations/corrections on instruments are prohibited under CTS
86	Fake/Forged/Stolen-Draft/Cheque/Cash Order/Interest Warrant/Dividend Warrant
87	Payee a/c credited- Stamp Required
88	Other Reason