Introduction
If you are wondering why SBI cheque is not clearing even after 2 working days, there can be multiple operational reasons behind it. Clearing involves verification, scanning, and interbank settlement steps.
7 Hidden Reasons for Delay
1. Signature mismatch
2. CTS image quality rejection
3. Clearing holiday delay
4. High-value manual verification
5. Suspicious transaction review
6. Account freeze or KYC pending
7. Technical server delay
How Banks Verify Cheques Internally
During clearing, cheque images are scanned under CTS system and transmitted digitally. Signature verification and amount validation are performed before settlement.
Understand normal clearing time here: https://gobankings.com/cheque-clearance-time-in-sbi/