Chapter V - Of Presentment
Section 73
Section 73: presentment of cheque to charge any other person
Section 73 sets a reasonable-time presentment condition for a cheque party other than the drawer.
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Need advice on Section 73?
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 cheque must, in order to charge any person except the drawer, be presented within a reasonable time after delivery thereof by such person.
Applicability and limits
To charge a cheque party other than the drawer, the cheque must be presented within a reasonable time after that party delivered it.
The rule does not set one fixed number of days and expressly excludes the drawer; Section 72 addresses the drawer.
Hypothetical example
Hypothetical: an indorser passes a cheque to a vendor. The vendor records the delivery date and presents it promptly before pursuing that indorser.
Evidence and decision flow
Identify the non-drawer party whose liability matters.
Establish that party’s delivery date.
Assess and document reasonable-time presentment.
Practical checklist
Do
- Identify the party other than the drawer whose liability is asserted.
- Establish when that party delivered the cheque.
- Check whether presentment followed within a reasonable time.
Avoid
- Do not assume one statutory step replaces a separate presentment, dishonour or notice requirement.
Glossary
- Indorser
- A party who signs to transfer an instrument.
- Reasonable time
- A context-sensitive period assessed under the Act, including Section 105.
Frequently asked questions
Does Section 73 apply to the cheque drawer?
No. It expressly concerns persons except the drawer.
What starts the period?
Delivery of the cheque by the person sought to be charged.
Need help applying this provision to your situation?
Contact BizeneedLast updated 10 October 2026