PPS Ka Matlab, Clearing–Transfer Confusion Aur Practical Solution
Cheque Return PPS Reason ek common banking issue hai jisme cheque clear hone ke bajay return ho jata hai. Jab return memo me “PPS” ya “CPPS” likha hota hai, to log confuse ho jate hain ki ye clearing problem hai ya transfer issue.
Is article me hum PPS ka actual meaning, reality aur practical solution clear karenge.
Agar aapka cheque return ho gya hai aur return memo me “PPS” ya “CPPS” likha aa gaya hai, to sabse pehla reaction hota hai – “Ab kya karein? Galti kiski hai?”
Sach ye hai ki PPS reason ko lekar logon ke dimaag me itni confusion hoti hai
ki wo galat jagah form bhar dete hain, galat branch chale jaate hain
aur cheque dobara bhi reject ho jata hai.
Is article me hum seedha, practical aur ground-level baat karenge –
bilkul waise jaise branch me samjhaya jaata hai.
PPS Reason Kya Hota Hai? (Simple Language Me)
PPS / CPPS koi alag form ya transaction type nahi hota.
Ye bank ka internal processing code hota hai, jo ye batata hai ki:
1 Cheque kisi process / instruction issue ki wajah se return hua.
2 Ye reason customer ke liye nahi, bank ke system ke liye hota hai.
👉 Sabse badi galat-fahmi yahi hoti hai ki log sochte hain
PPS ya CPPS ek form hai, jabki aisa nahi hai.
Sabse Badi Confusion:
PPS / CPPS Clearing Ke Liye Hai Ya Transfer Ke Liye?
❌ Log Kya Sochte Hain
Clearing ke liye PPS form
Transfer ke liye CPPS form
✅ Actual Banking Reality
PPS / CPPS koi clearing ya transfer form nahi hota.
Clearing ya transfer pehle hi decide hota hai,
PPS sirf return reason batata hai.
Clearing Aur Transfer Ko Example Se Samjhiye:
🔹 Case 1:
Dusre Bank Ka Cheque (Clearing Case)
Account: Axis Bank
Cheque: SBI ka
Cheque Axis Bank me submit kiya
👉 Ye inter-bank clearing me jaata hai
👉 Agar return hota hai aur memo me PPS / CPPS likha aata hai,
to ye clearing process ka return reason hota hai
📌 Customer ko:
Koi PPS / CPPS form alag se bharne ki zarurat nahi
Cheque dobara normal clearing me hi lagta hai
🔹 Case 2:
Same Bank Ka Cheque (Transfer / On-Us Case)
Account: Axis Bank
Cheque bhi: Axis Bank ka
Axis Bank ki branch me hi submit kiya
👉 Ye transfer (on-us) transaction hota hai
👉 Clearing system use hi nahi hota
Agar yahan PPS / CPPS reason aata hai,
to matlab hota hai bank-side instruction / verification issue.
High Amount Cheque Me Extra Confusion (₹2 Lakh – ₹5 Lakh)
Sabse Badi Confusion:
PPS / CPPS Clearing Ke Liye Hai Ya Transfer Ke Liye?
❌ Log Kya Sochte Hain
Clearing ke liye PPS form
Transfer ke liye CPPS form
✅ Actual Banking Reality
PPS / CPPS koi clearing ya transfer form nahi hota.
Clearing ya transfer pehle hi decide hota hai,
PPS sirf return reason batata hai.
Clearing Aur Transfer Ko Example Se Samjhiye
🔹 Case 1: Dusre Bank Ka Cheque (Clearing Case)
Account: Axis Bank
Cheque: SBI ka
Cheque Axis Bank me submit kiya
👉 Ye inter-bank clearing me jaata hai
👉 Agar return hota hai aur memo me PPS / CPPS likha aata hai,
to ye clearing process ka return reason hota hai
📌 Customer ko:
Koi PPS / CPPS form alag se bharne ki zarurat nahi
Cheque dobara normal clearing me hi lagta hai
🔹 Case 2: Same Bank Ka Cheque (Transfer / On-Us Case)
Account: Axis Bank
Cheque bhi: Axis Bank ka
Axis Bank ki branch me hi submit kiya
👉 Ye transfer (on-us) transaction hota hai
👉 Clearing system use hi nahi hota
Agar yahan PPS / CPPS reason aata hai,
to matlab hota hai bank-side instruction / verification issue.
High Amount Cheque Me Extra Confusion (₹2 Lakh – ₹5 Lakh)
Alag-alag banks me:
Kuch jagah ₹5 lakh se upar
Kuch jagah ₹2 lakh ya ₹2 lakh se upar
par extra safety checks lag jaate hain.
✅ Practical & Safe Advice
Agar cheque amount ₹2 lakh ya usse zyada hai,
to safety ke liye CPPS / transfer mode choose karna better hota hai.
Kyun?
High-value cheque me clearing me delay ya return ka risk hota hai
Transfer me processing zyada controlled hoti hai.
📌 Ye mandatory rule nahi,
lekin safe banking practice maani jaati hai.
PPS / CPPS Form Kaun Bhar Sakta Hai? (Bahut Important)
Jis person ka cheque hota hai
(jiske account se paisa jana hai),
wahi PPS / CPPS se related instruction de sakta hai.
❌ Beneficiary Kya Nahi Kar Sakta
Jisko cheque mila hai
Wo khud PPS / CPPS form ya request submit nahi kar sakta.
👉 Kyunki authority account holder (drawer) ke paas hoti hai.
PPS / CPPS Instruction Kahan Submit Hoti Hai?
✅ Branch Rule
Cheque ke account holder ko apni hi home / mapped branch me PPS / CPPS related instruction deni hoti hai.
Dusri branch normally:
Account access nahi rakhti
Isliye instruction accept nahi karti
Achhi Baat: Ab Online Bhi Submit Ho Sakta Hai
Aaj-kal kai banks me:
Mobile banking app
Net banking
ke through bhi:
Cheque related confirmation
PPS / CPPS instruction
ghar baithe submit ki ja sakti hai.
📌 Condition same rahegi:
Login account holder ka hi hona chahiye
OTP / password verification hota hai
⚠️ Note:
Har bank me ye option available ho, zaroori nahi.
Agar app me option na mile, branch visit hi final solution hota hai.
Ek Line Me Final Sach
PPS / CPPS koi form nahi hota,
ye sirf cheque return ka internal reason code hai.
Clearing ya transfer cheque ke type se decide hota hai,
aur instruction sirf cheque ke account holder hi de sakta hai.
Conclusion
PPS reason aane par ghabrane ki zarurat nahi hoti,
bas sahi process samajhna zaroori hota hai.
Zyadatar problems:
Galat branch jaane se,
Galat person ke instruction dene se,
Clearing aur transfer ko mix kar dene se hoti hain.
Agar aap ye basic clarity rakhte ho, to cheque dobara reject hone ka risk kaafi kam ho jaata hai.
Kuch jagah ₹5 lakh se upar, Kuch jagah ₹2 lakh ya ₹2 lakh se upar, par extra safety checks lag jaate hain.
✅ Practical & Safe Advice
Agar cheque amount ₹2 lakh ya usse zyada hai,
to safety ke liye CPPS / transfer mode choose karna better hota hai.
Kyun?
High-value cheque me clearing me delay ya return ka risk hota hai
Transfer me processing zyada controlled hoti hai.
📌 Ye mandatory rule nahi, lekin safe banking practice maani jaati hai.
PPS / CPPS Form Kaun Bhar Sakta Hai? (Bahut Important)
Jis person ka cheque hota hai (jiske account se paisa jana hai), wahi PPS / CPPS se related instruction de sakta hai.
❌ Beneficiary Kya Nahi Kar Sakta
Jisko cheque mila hai wo khud PPS / CPPS form ya request submit nahi kar sakta
👉 Kyunki authority account holder (drawer) ke paas hoti hai.
PPS / CPPS Instruction Kahan Submit Hoti Hai?
✅ Branch Rule
Cheque ke account holder ko
Apni hi home / mapped branch me
PPS / CPPS related instruction deni hoti hai
Dusri branch normally:
Account access nahi rakhti
Isliye instruction accept nahi karti
Achhi Baat: Ab Online Bhi Submit Ho Sakta Hai
Aaj-kal kai banks me:
Mobile banking app
Net banking
ke through bhi:
Cheque related confirmation
PPS / CPPS instruction
ghar baithe submit ki ja sakti hai.
📌 Condition same rahegi:
Login account holder ka hi hona chahiye
OTP / password verification hota hai
⚠️ Note:
Har bank me ye option available ho, zaroori nahi agar app me option na mile, branch visit hi final solution hota hai.
Ek Line Me Final Sach
PPS / CPPS koi form nahi hota,
ye sirf cheque return ka internal reason code hai.
Clearing ya transfer cheque ke type se decide hota hai aur instruction sirf cheque ke account holder hi de sakta hai.
Conclusion
PPS reason aane par ghabrane ki zarurat nahi hoti,
bas sahi process samajhna zaroori hota hai.
Zyadatar problems:
Galat branch jaane se
Galat person ke instruction dene se
Clearing aur transfer ko mix kar dene se hoti hain
Agar aap ye basic clarity rakhte ho,
to cheque dobara reject hone ka risk kaafi kam ho jaata hai.