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Starting tomorrow, October 4, 2025, the Reserve Bank of India (RBI) is launching a faster, more efficient way to clear cheques across the country.

If you’ve ever deposited a cheque and found yourself waiting anxiously for the funds to appear in your account, this change is set to make your banking experience quicker and smoother.

Let’s dive into what this means for regular people like you and me, in plain and simple language.

How Cheque Clearing Works Now

Currently, when you deposit a cheque, it goes through the Cheque Truncation System (CTS). This process involves scanning the cheque and handling it in batches, which can take up to two working days.

That means you might wait until the next day (known as T+1) to access your

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