Chapter V - Of Presentment
Section 69
Section 69: Instrument payable at a specified place
Section 69 supplies the specified-place presentment rule for the notes and bills and the parties expressly identified in its text.
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Need advice on Section 69?
This article is for general information. Refer to the Negotiable Instruments Act, 1881 official text for the official provisions. If you need professional advice for your situation, contact Bizeneed.
Statutory text
Bare law
A promissory note or bill of exchange made, drawn or accepted payable at a specified place must, in order to charge the maker or drawer thereof, be presented for payment at that place.
Key rule and applicability
Where a note or bill is made, drawn or accepted payable at a specified place, it must be presented there in order to charge its maker or drawer, as the provision states.
Limits and related provisions
Keep the statutory party wording and instrument scope distinct from section 68, which refers to an exclusive place and any party. A real claim should identify the actual defendant and read the applicable presentment provisions together.
Hypothetical business example
Hypothetical: a promissory note names a payment location. The holder records payment presentment at that location when assessing recourse against the maker under section 69.
Practical decision flow
Identify the note or bill and its specified payment place.
Identify the party whose liability is being pursued.
Retain proof of presentment at the named place and assess the related presentment provisions.
Practical checklist
Do
- Identify the note or bill and its specified payment place.
- Identify the party whose liability is being pursued.
- Retain proof of presentment at the named place and assess the related presentment provisions.
Avoid
- Keep the statutory party wording and instrument scope distinct from section 68, which refers to an exclusive place and any party. A real claim should identify the actual defendant and read the applicable presentment provisions together.
Glossary
- Specified place
- The place where the instrument is made payable.
- Instrument scope
- The notes and bills expressly covered by this provision.
Frequently asked questions
Does the quoted section refer to every instrument?
It expressly refers to a promissory note or bill of exchange.
Which party labels are used in section 69?
The text states maker or drawer.
Should section 68 be treated as identical?
No. Its exclusive-place wording and any-party formulation differ from this section.
Need help applying this provision to your situation?
Contact BizeneedLast updated 10 October 2026