What is a Post-Dated Cheque (PDC)? Meaning & Example
April 8, 20263 min read
A post-dated cheque (PDC) is a cheque that carries a future date. It cannot be encashed before that date — the bank will only honour it on or after the date written on the cheque.
Example
If today is 8 April and you write a cheque dated 1 May, the payee cannot deposit it until 1 May. This lets you commit a payment now but pay later.
Common uses
- Loan and EMI repayments
- Rent and lease payments
- Instalment-based purchases
Validity
A cheque (including a PDC) is valid for 3 months from the date written on it. After that it becomes a stale cheque and the bank will not pay it.
Businesses often issue many PDCs at once — Cheque Print makes printing and tracking them simple. See all types of cheques.
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