How to Stop a Cheque Payment in HDFC Bank?

​​​A stop-payment order lets you block an already issued cheque from being honoured. Whether a cheque is lost, stolen, or contains incorrect information, stopping its payment gives you more control and helps prevent fraud.

Stop Payment
Credit Guarantee Fund Trust For Micro And Small Enterprises CGTMSE

Why You Might Need to Stop a Cheque Payment?

  • You may wish to block or stop cheque payments when:

    • The cheque was lost or stolen.
    • You suspect fraud or unauthorised use.
    • You entered an incorrect amount or payee name.
    • A duplicate cheque has been issued.
    • The cheque is unsigned or bears the wrong date/post-dated incorrectly.

How to Stop Cheque Payment?

Via InstaServices

  • Access InstaServices and Start: For a stop payment cheque request, go to the official InstaServices page, click "Stop Payment" and then "Start Journey" to begin.

  • Validate Yourself: Enter your registered mobile number along with the Date of Birth/PAN/Customer ID to verify identity, then click Continue.

  • Enter OTP and Confirm: Input the OTP received on your registered mobile number, agree to the terms and conditions and proceed. Your customer details will be auto-filled.

  • Select Account and Cheque Numbers: From the dropdown, choose the Account. Enter either a single cheque number (fill the same number in the start and end fields) or a range of cheques to block.

  • Provide Reason and Review: Select the reason for the stop payment, check the preview screen to confirm details, then click Continue.

  • Authenticate Securely: Complete two-factor authentication using your Debit Card or NetBanking credentials.

  • Get Acknowledgement: You'll see an on-screen confirmation that your stop cheque request has been successfully placed.

Stop Payment 

No need for collateral

Important Notes for InstaServices

  • Keep your registered mobile number and Debit Card/NetBanking details handy to complete the process.

  • For multiple cheques, all numbers between the start and end fields will be stopped; for a single cheque, enter the same number in both fields.

  • Once issued, a stop-payment instruction cannot be withdrawn.

  • Add a note that, in addition to PAN/Customer ID, Aadhaar OTP may sometimes be used.

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No need for collateral

Via Internet Banking Portal

  • Log in to HDFC Bank NetBanking.

  • On the dashboard menu, go to Accounts (or Cheques, Cash & Demand Drafts) > then Pay/Cheques/Demand Draft/Stop or Block Cheque Payment. 

  • Select the Account from which the cheque was issued.

  • Enter the cheque number(s). If stopping one cheque, enter the same number in the start and end fields. 

  • Confirm with secure authentication (OTP/password).

  • Receive confirmation or reference slip/message.

Nominal guarantee fee

Over Phone Banking

  • Call HDFC PhoneBanking helpline number: 1800 1600 or 1800 2600 (accessible across India)

  • Be prepared with the Telephone Identification Number (TIN), cheque number, cheque issue date, payee name, and sometimes the amount.

  • Complete any identity verification the agent requests (e.g., registered mobile number, verification questions).

  • Ask them to initiate the stop payment on the cheque. 

  • Note down the reference/acknowledgement for your records.

Flexible credit facilities

Via Branch Visit

  • Visit your nearest HDFC Bank branch to request a stop payment in person.

  • Take a stop payment request letter/cheque stop payment letter, mentioning the Account number, cheque number(s), date of issue, payee, and reason for stopping payment.

  • Show valid ID as required (passport/Aadhar/PAN, etc.).

  • Submit the request to the bank officer. 

  • Make sure you get an acknowledgement/counterfoil/receipt for the stop-payment request.

MI support 

Pre-requisites for Stop Payment of Cheque(s)

  • You must be a Resident Individual or Senior Citizen with a Savings or Salary Account (or Non-Resident Individual with an Indian mobile updated).
  • This Service is available for customers having Account(s) with a holding pattern as Singly or Either-or Survivor.
  • Jointly held Accounts (in "Joint" holding pattern) typically require a visit to the branch rather than doing it online.
  • Generally, the stop remains effective until the cheque is presented for clearing, but if a cheque is already honoured/cleared before your stop request, it cannot be reversed.
Credit Guarantee Fund Trust For Micro And Small Enterprises CGTMSE

Frequently Asked Questions