The SBI Positive Pay System is a cheque-fraud prevention facility that allows State Bank of India customers to reconfirm important details of an issued cheque before it is presented for payment.
After an eligible cheque-operated account is registered for Positive Pay, the customer provides details such as the cheque number, date, amount and payee name to SBI. When the cheque is later presented, the Bank can cross-check those details with the physical cheque or cheque image during payment processing.
SBI provides Positive Pay registration and cheque-detail submission through eligible channels including YONO SBI, YONO Lite, Retail Internet Banking, Corporate Internet Banking, SBI Quick SMS and SBI branches.
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| SBI Positive Pay helps verify important cheque details before payment and adds an extra layer of protection against cheque alteration. |
Table of Contents
- SBI Positive Pay: Quick Information
- What Is SBI Positive Pay System?
- Why Is Positive Pay Used?
- How SBI Positive Pay Works
- Who Can Register?
- What Is the Account-Level Limit?
- Is SBI Positive Pay Mandatory?
- Available Registration Methods
- Register through YONO SBI
- Register through SBI Net Banking
- Register through YONO Lite
- Register through SBI Branch
- What Is Positive Pay Cheque Lodgement?
- Cheque Details Required for Positive Pay
- What Is Instrument Type?
- Submit Cheque Details through YONO SBI
- Submit Details through SBI Net Banking
- Submit Positive Pay Details through SBI Quick SMS
- Submit Details through SBI Branch
- View or Cancel a Lodged Cheque
- What If Wrong Cheque Details Were Submitted?
- What Happens If Positive Pay Details Do Not Match?
- Positive Pay vs Stop Cheque
- Positive Pay vs Cheque Clearing Status
- Positive Pay vs Cheque Book Request
- Does Positive Pay Guarantee Cheque Payment?
- Common Positive Pay Problems and Solutions
- Cheque Fraud Protection Tips
- Official SBI Assistance
- Frequently Asked Questions
- Official Sources
- Final Summary
SBI Positive Pay System: Quick Information
| Service | Positive Pay System for cheque payments |
|---|---|
| Implemented by SBI | January 1, 2021 |
| Main purpose | Reduce risk from cheque tampering or alteration |
| First step | One-time registration of eligible cheque-operated account |
| Second step | Submit details of issued cheques covered by the selected limit |
| Registration channels | Branch, Retail Internet Banking, Corporate Internet Banking, YONO Lite and YONO SBI |
| Cheque lodgement channels | Branch, Internet Banking, Corporate Internet Banking, YONO Lite, YONO SBI and SBI Quick SMS |
| SBI Quick Positive Pay number | +91 72089 33145 |
| SBI support | 1800 11 2211 and other official Contact Centre numbers |
What Is SBI Positive Pay System?
Positive Pay is a cheque-verification system intended to help identify alterations or mismatches in an issued cheque.
The drawer — the person or organisation issuing the cheque — informs SBI about important cheque details after issuing the cheque.
SBI stores the information and can compare it with the cheque presented for payment.
For example, the customer may submit:
- Cheque number
- Cheque date
- Cheque amount
- Payee name
- Instrument type
If someone alters important information on the cheque after it is issued, Positive Pay provides another set of previously submitted details that can be used during verification.
Why Is Positive Pay Used?
Cheque fraud can involve alteration of:
- Payee name
- Cheque amount
- Cheque date
- Cheque details
- Other variable information
Positive Pay gives the Bank advance information directly from the customer who issued the cheque.
When the cheque is presented, mismatched information may help identify a suspicious or altered instrument before payment is completed.
Positive Pay is therefore an additional cheque-security control. It does not replace normal cheque scrutiny, signature verification, account-balance checks or other banking rules.
How SBI Positive Pay Works
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| Register the eligible account, submit issued-cheque details and allow SBI to compare the information when the cheque is presented. |
SBI’s Positive Pay process has two main stages.
Stage 1: Register the Account
The customer registers an eligible cheque-operated account for Positive Pay and selects an account-level limit.
Stage 2: Submit Details of Issued Cheques
After issuing a cheque covered by the selected Positive Pay limit, the customer submits the required cheque details to SBI.
When the Cheque Is Presented
The Bank can compare the stored Positive Pay information with the physical cheque or cheque image presented for payment.
A mismatch can result in additional scrutiny or the cheque being returned unpaid according to applicable rules and SBI’s Positive Pay terms.
Who Can Register for SBI Positive Pay?
SBI provides Positive Pay to customers having eligible cheque-operated accounts.
This can include eligible:
- Savings Bank accounts
- Current Accounts
- Cash Credit accounts
- Overdraft accounts
- Individual cheque-operated accounts
- Joint accounts
- Business and corporate accounts
The exact digital registration options depend on the account type, operating mandate and Internet or mobile-banking access.
Accounts without cheque-operation facility cannot use Positive Pay for cheque issuance.
What Is the SBI Positive Pay Account-Level Limit?
During Positive Pay registration, SBI requires the customer to select an account-level limit.
This limit determines which issued cheques need Positive Pay details to be submitted under that registration.
For example:
If a customer chooses an account-level limit of ₹1,00,000, Positive Pay details would generally be submitted for issued cheques of ₹1,00,000 or more under that selected arrangement.
SBI’s public Positive Pay information states that customers can choose the account-level amount according to their risk perception, subject to any limits or mandatory requirements implemented by the Bank.
A customer who wants stronger control may choose a lower account-level limit where the system permits it.
Is SBI Positive Pay Mandatory for ₹5 Lakh or ₹10 Lakh Cheques?
SBI’s current public Positive Pay page states that the Bank is planning to make Positive Pay mandatory for:
- Savings Bank cheques of ₹5 lakh and above
- Current Account, Cash Credit and Overdraft cheques of ₹10 lakh and above
The same SBI page describes what would happen once the mandatory clauses are made effective.
Therefore, the public wording should not be interpreted as confirmation that those thresholds have already become mandatory for every SBI customer.
As of this article’s review on August 8, 2026, customers should check:
- The current YONO or Internet Banking screen
- Messages received from SBI
- The account-specific Positive Pay registration limit
- Current branch instructions
- Any newer SBI or RBI notification
Do not rely on an older third-party article that simply states “Positive Pay is mandatory above ₹5 lakh” without checking the current SBI rule.
Available SBI Positive Pay Registration Methods
SBI officially lists these registration channels:
- SBI branch
- Retail Internet Banking
- Corporate Internet Banking
- YONO Lite
- YONO SBI mobile application
SBI Quick SMS is primarily listed as a channel for submitting cheque details after Positive Pay registration, rather than as the main account-registration route.
How to Register SBI Positive Pay through YONO
SBI lists YONO SBI as an authorised Positive Pay registration channel.
Because YONO menu names can change between application versions, follow the current Positive Pay option displayed in the official app.
The general process is:
- Open the official YONO SBI application.
- Login with the authorised MPIN or Internet Banking credentials.
- Open Service Requests, Cheques or the corresponding service menu.
- Select Positive Pay System where displayed.
- Select the registration or enrolment option.
- Select the eligible cheque-operated account.
- Choose the account-level limit allowed by the system.
- Read the undertaking and Terms and Conditions.
- Accept the terms if you agree.
- Review the account and limit.
- Complete OTP or other authentication.
- Save the registration confirmation.
After successful registration, remember that registering the account alone is not enough. Cheque details must also be lodged for the cheques covered by the selected Positive Pay requirement.
For complete YONO guidance, read: YONO SBI App Guide .
How to Register SBI Positive Pay through Net Banking
SBI also allows Positive Pay registration through Retail Internet Banking.
Start from the official SBI Internet Banking gateway:
https://onlinesbi.sbi.bank.in/
The general process is:
- Login to SBI Personal Net Banking.
- Open Requests & Enquiries, Cheque Book Services or the current equivalent menu.
- Select Positive Pay System.
- Select Positive Pay Registration where available.
- Select the cheque-operated account.
- Choose the account-level limit.
- Read the Positive Pay undertaking.
- Accept the Terms and Conditions.
- Review the registration details.
- Complete OTP or other authentication.
- Save the confirmation.
Older SBI navigation documents may use the previous OnlineSBI menu terminology. Follow the menu names displayed by the current YONO Net Banking interface.
For Net Banking login help, read: Online SBI Net Banking Login Guide .
SBI Positive Pay Registration through YONO Lite
SBI’s official YONO Lite guidance provides a Positive Payment System registration facility.
The published navigation is:
- Login to YONO Lite.
- Open Requests.
- Select Positive Payment System.
- Select New Registration.
- Select the account.
- Review and accept the undertaking.
- Select the Positive Pay option or limit displayed.
- Accept the Terms and Conditions.
- Select Submit and Confirm.
- Enter the OTP received on the registered mobile number.
- Check the success or failure message.
YONO Lite also provides options to modify the registered limit or de-register the account, subject to the options available in the current application.
How to Register SBI Positive Pay at a Branch
Customers can register a cheque-operated account through an SBI branch by submitting the prescribed Positive Pay application, consent and undertaking.
The form generally records:
- Account number
- Account type
- Account-level Positive Pay limit
- Customer consent
- Signature according to the account mandate
Branch registration can be useful when:
- Positive Pay is not visible online
- The customer does not use YONO or Internet Banking
- The account is jointly operated
- The account is a business or institutional account
- The required digital verification fails
- The account-level limit needs clarification
What Is Positive Pay Cheque Lodgement?
After Positive Pay registration, cheque lodgement means submitting the important details of a cheque that has been issued.
It does not mean depositing the physical cheque into the payee’s account.
The drawer submits the cheque information to SBI so that the Bank has a separate set of details available when the cheque is later presented.
Details Required for SBI Positive Pay
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| Enter the account number, cheque number, date, amount, payee name and instrument type exactly as shown on the issued cheque. |
SBI lists six main details:
- Account Number
- Cheque Number
- Cheque Date
- Cheque Amount
- Beneficiary or Payee Name
- Instrument Type
Enter the information exactly as written on the issued cheque.
Cheque Number
Use the cheque number printed on the cheque leaf being issued.
Cheque Date
Use the same date written on the physical cheque.
Cheque Amount
Enter the exact amount, including paise where applicable.
Beneficiary Name
The beneficiary or payee name should match the name written on the cheque.
Account Number
Select or enter the account on which that cheque was issued.
What Is the Instrument Type in SBI Positive Pay?
SBI’s public Positive Pay page describes the instrument type as a two-digit number shown on the right-hand side of the MICR band of the cheque.
SBI’s YONO navigation document lists instrument-type dropdown values such as:
- 10
- 11
- 29
- 31
Do not select a number simply because it appears in an online guide.
Select the instrument type that corresponds to the actual cheque being issued and the option shown by SBI.
If the instrument type is unclear, check the cheque or obtain clarification from SBI before submitting Positive Pay information.
How to Submit Positive Pay Cheque Details through YONO SBI
SBI’s official navigation guidance provides the following YONO path:
YONO Login → Service Request → Cheques → Positive Pay System
The location or menu wording can change after application updates.
General YONO Cheque Lodgement Steps
- Login to YONO SBI.
- Open Service Request.
- Select Cheques.
- Select Positive Pay System.
- Select Make a Request where displayed.
- Select the account from which the cheque was issued.
- Enter the cheque date.
- Enter the cheque number.
- Enter the exact cheque amount.
- Enter the beneficiary name.
- Select the correct instrument type.
- Select Next.
- Review every detail against the physical cheque.
- Accept the Terms and Conditions.
- Complete OTP authentication.
- Save the successful request reference number.
Do not submit Positive Pay details before finalising the actual cheque information.
How to Submit Positive Pay Details through SBI Net Banking
SBI’s published Retail Internet Banking navigation uses:
Requests & Enquiries → Cheque Book Services → Positive Pay System
The general process is:
- Login to official SBI Net Banking.
- Open the Positive Pay System service.
- Select Cheque Lodgement.
- Select the account.
- Enter the cheque number.
- Select the correct instrument type.
- Enter the cheque amount.
- Enter the beneficiary or payee name.
- Select the cheque date.
- Submit the details.
- Review every field carefully.
- Select Confirm.
- Enter the OTP received on the registered mobile number.
- Check the confirmation message.
Current YONO Net Banking menu names may differ from older OnlineSBI navigation.
Submit SBI Positive Pay Details through SBI Quick SMS
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| Registered SBI Quick customers can submit Positive Pay cheque details using the official CHQL SMS format from the registered mobile number. |
SBI Quick can be used to lodge cheque details after the account has been registered for Positive Pay.
The SMS must be sent from the mobile number registered with SBI Quick.
Current SBI guidance lists this number:
+91 72089 33145
SMS format:
CHQL ChequeNo Amount DDMMYYYY Y/N BeneficiaryName
The fields represent:
- CHQL – Positive Pay cheque lodgement keyword
- ChequeNo – issued cheque number
- Amount – exact cheque amount
- DDMMYYYY – date of issue
- Y/N – Multi City / Normal flag according to SBI’s current instruction
- BeneficiaryName – payee name written on the cheque
The account number is taken from the account currently mapped with SBI Quick.
After processing, SBI sends an SMS confirmation regarding the cheque-detail submission status.
Submit Positive Pay Cheque Details at an SBI Branch
Customers can provide cheque details directly at an SBI branch using the prescribed Positive Pay cheque-details format.
Keep ready:
- Account number
- Cheque number
- Cheque date
- Exact amount
- Payee name
- Instrument type
For jointly operated or institutional accounts, follow the operating mandate applicable to the account.
How to View or Cancel a Positive Pay Request
SBI’s YONO and Internet Banking guidance includes facilities to view and cancel or delete previously lodged cheque details.
YONO SBI
The published YONO process includes a View Requests option.
The general process is:
- Login to YONO SBI.
- Open Positive Pay System.
- Select View Requests.
- Select the account.
- Enter or select the cheque number and instrument type.
- Review the submitted cheque information.
- Select Delete or Cancel where available.
- Complete OTP authentication.
- Save the confirmation reference.
Internet Banking
The Positive Pay service may provide a Cancel, Lost or Delete Lodgement option.
Use cancellation only when the cheque information genuinely needs to be withdrawn or replaced.
What If Wrong Positive Pay Details Were Submitted?
Do not ignore an incorrect Positive Pay entry.
Examples include:
- Wrong cheque amount
- Incorrect payee name
- Wrong date
- Incorrect cheque number
- Wrong instrument type
Where the current SBI channel allows it:
- Open the lodged-cheque request.
- Cancel or delete the incorrect lodgement.
- Complete the required OTP verification.
- Submit a fresh Positive Pay request.
- Match every field with the physical cheque before confirmation.
When cancellation or correction is unavailable, contact SBI before the cheque is presented.
Do not alter the physical cheque merely to make it match an incorrect Positive Pay entry.
What Happens If Positive Pay Details Do Not Match the Cheque?
SBI’s Positive Pay terms state that when the submitted details do not match the corresponding physical cheque, the cheque can be returned unpaid at the Bank’s discretion.
Possible mismatch areas include:
- Cheque number
- Cheque date
- Amount
- Payee name
- Instrument type
Therefore, always compare the Positive Pay submission with the final cheque before confirming it.
Do not lodge an approximate amount or shortened beneficiary name merely for convenience.
SBI Positive Pay vs Stop Cheque
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| Positive Pay verifies issued-cheque details, Stop Cheque requests payment to be stopped, while Clearing Status shows cheque-processing progress. |
| Point | Positive Pay | Stop Cheque |
|---|---|---|
| Purpose | Reconfirm cheque details for verification | Instruct SBI not to pay the specified cheque where the instruction is received in time |
| Used when | Issuing a cheque covered by Positive Pay | Cheque is lost, issued incorrectly or payment needs to be stopped |
| Expected payment | Customer generally expects a valid cheque to be paid | Customer is asking that the cheque not be paid |
For stop-payment and cheque-book services, read: SBI Cheque Book Request & Tracking Guide .
Positive Pay vs Cheque Clearing Status
Positive Pay submits cheque information before payment.
Cheque clearing status tells the customer what is happening after or when the cheque enters the payment or clearing process.
| Positive Pay | Clearing Status |
|---|---|
| Provides cheque details in advance | Shows processing or payment status |
| Fraud-prevention control | Transaction-status enquiry |
Positive Pay vs SBI Cheque Book Request
Requesting a cheque book only obtains new cheque leaves.
Positive Pay is used after the cheque-operated account is registered and when details of an issued cheque need to be reconfirmed.
The typical order is:
- Receive an eligible SBI cheque book.
- Register the account for Positive Pay where required or desired.
- Write and issue the cheque.
- Submit the cheque details through Positive Pay.
- Keep the payment funds available.
- The cheque is presented and processed according to normal banking rules.
Does Positive Pay Guarantee Cheque Payment?
No.
SBI’s Positive Pay terms make it clear that providing cheque details does not create a right to have the cheque paid.
The cheque can still be affected by:
- Insufficient account balance
- Signature mismatch
- Stale cheque
- Post-dated cheque presented early
- Stop-payment instruction
- Account restriction
- Material alteration
- Incorrect cheque details
- Legal or regulatory restrictions
- Other normal cheque-return reasons
Keep sufficient funds available even after successful Positive Pay lodgement.
Common SBI Positive Pay Problems and Solutions
| Problem | What to check |
|---|---|
| Positive Pay option not visible | Check account eligibility, update the application and verify whether PPS registration is already completed. |
| Account not shown | Confirm that the account is cheque-operated and correctly mapped to the digital profile. |
| Registration fails | Check account status, KYC, registered mobile number, OTP access and account mandate. |
| Cheque number rejected | Confirm that the cheque belongs to the selected account and enter the printed cheque number correctly. |
| Instrument type unclear | Select the value corresponding to the actual cheque; contact SBI when unsure. |
| OTP not received | Check the registered mobile number, network signal and SMS availability. |
| Wrong amount submitted | Cancel or delete the lodgement where allowed and submit the correct details again. |
| SBI Quick CHQL SMS fails | Check SBI Quick registration, Positive Pay enrolment, SMS format, mapped account and current destination number. |
| Cheque returned despite Positive Pay | Positive Pay does not guarantee payment. Check return reason, balance, signature, date and lodged information. |
| Cannot cancel request | The request may already be under processing or cancellation may not be available through that channel. Contact SBI. |
Cheque Fraud Protection Tips
- Keep unused cheque books in a secure place.
- Never pre-sign blank cheque leaves.
- Write the payee name clearly.
- Do not leave excessive blank space before or after the payee name.
- Write the amount in words and figures carefully.
- Use account-payee crossing where appropriate.
- Record the cheque number, date, payee and amount before handing it over.
- Submit Positive Pay details immediately after issuing a covered cheque.
- Review every Positive Pay field before OTP confirmation.
- Do not share cheque photographs unnecessarily.
- Stop payment immediately if a signed cheque is lost.
- Review account transactions after a high-value cheque is issued.
- Never disclose OTP, MPIN, Internet Banking password or ATM PIN to someone offering Positive Pay assistance.
Official SBI Assistance
For Positive Pay help, SBI’s public PPS information lists:
1800 11 2211
Other current SBI Contact Centre numbers include:
- 1800 1234
- 1800 2100
- 1800 425 3800
- 080-26599990
Official Contact page:
SBI Customer Care – Contact Us
For verified SBI portal addresses, read: SBI Official Websites List .
Frequently Asked Questions
What is SBI Positive Pay?
It is a cheque-security facility in which the customer provides important details of an issued cheque to SBI so those details can be cross-checked when the cheque is presented.
When did SBI implement Positive Pay?
SBI states that Positive Pay was implemented for cheque payments from January 1, 2021.
Do I need to register before using Positive Pay?
Yes. The cheque-operated account must first be registered for Positive Pay.
Is Positive Pay registration required for every cheque?
Registration is generally one-time for the account. Cheque details are then submitted for individual issued cheques covered by the applicable account-level Positive Pay requirement.
What is the account-level limit?
It is the amount threshold selected during registration that determines which issued cheques require Positive Pay details under that account registration.
Is SBI Positive Pay mandatory above ₹5 lakh?
Do not treat ₹5 lakh as a universal current mandatory threshold without verification. SBI’s current public page still describes a plan to make it mandatory for Savings Bank cheques of ₹5 lakh and above and ₹10 lakh and above for certain other account types.
Can I register for Positive Pay through YONO?
Yes. SBI officially lists YONO SBI as a registration channel.
Can I use SBI Net Banking for Positive Pay?
Yes. Retail and Corporate Internet Banking are officially listed as Positive Pay channels.
Can I use YONO Lite?
Yes. SBI provides Positive Pay registration and cheque-detail services through eligible YONO Lite access.
Can I register at an SBI branch?
Yes. Branch registration is available using SBI’s prescribed Positive Pay application and undertaking.
What details must I provide after issuing a cheque?
SBI lists account number, cheque number, cheque date, cheque amount, beneficiary name and instrument type.
What is cheque lodgement in Positive Pay?
It means providing SBI with the details of the issued cheque. It does not mean physically depositing the cheque.
Can I lodge Positive Pay details through SMS?
Yes. Registered SBI Quick customers with an account already enrolled in Positive Pay can use the current CHQL SMS service.
What is the SBI Quick Positive Pay number?
Current SBI Quick guidance lists +91 72089 33145.
What is the Positive Pay SMS format?
The current published format is CHQL ChequeNo Amount DDMMYYYY Y/N BeneficiaryName.
Does the SMS require the account number?
SBI’s published SBI Quick instructions state that the account number is taken from the account mapped with SBI Quick.
Can I cancel Positive Pay cheque details?
SBI’s digital navigation guidance provides options to view and cancel or delete lodged cheque information, subject to current service availability.
What if I entered the wrong amount?
Cancel or delete the incorrect lodgement where possible and submit the correct cheque details again before payment processing.
What happens if the Positive Pay details do not match?
SBI’s Positive Pay terms allow a mismatched cheque to be returned unpaid at the Bank’s discretion.
Does Positive Pay guarantee that my cheque will be paid?
No. The cheque must still satisfy normal payment requirements, including sufficient funds, valid signature, validity period and other applicable rules.
Is Positive Pay the same as stop payment?
No. Positive Pay helps verify an issued cheque. Stop payment tells SBI not to honour a specified cheque where the instruction can still be acted upon.
Is Positive Pay the same as cheque clearing status?
No. Positive Pay provides cheque information before payment, while clearing-status enquiry shows the processing or payment status of a cheque.
Do I still need money in the account after submitting Positive Pay details?
Yes. Positive Pay does not reserve funds or guarantee payment. Sufficient available funds must still be maintained.
Can SBI ask for my MPIN or OTP over the phone for Positive Pay?
Never disclose an OTP, MPIN, Internet Banking password, ATM PIN, UPI PIN or CVV to a caller.
Official Sources Checked
- SBI Positive Pay System
- SBI Positive Pay Registration Terms and Conditions
- SBI Positive Pay Terms of Service
- SBI Customer Care
- SBI Internet Banking
- Official YONO SBI Information
Final Summary
SBI Positive Pay is an additional cheque-security facility designed to reduce risks associated with cheque alteration and tampering.
The process has two main stages: first register an eligible cheque-operated account and choose an account-level limit; then submit the required details of issued cheques covered by that Positive Pay requirement.
SBI requires details such as the account number, cheque number, cheque date, amount, beneficiary name and instrument type.
Cheque details can be lodged through authorised channels including YONO SBI, YONO Lite, Internet Banking, Corporate Internet Banking, SBI Quick SMS and SBI branches.
For SBI Quick, current guidance lists the number +91 72089 33145 and the format CHQL ChequeNo Amount DDMMYYYY Y/N BeneficiaryName.
Do not state that ₹5 lakh and ₹10 lakh thresholds are universally mandatory without checking the latest SBI instruction. SBI’s currently published Positive Pay page still describes those amounts as planned mandatory thresholds.
Positive Pay does not guarantee payment. The cheque must still meet normal requirements such as sufficient balance, correct signature, valid date and other applicable banking rules.