* Section 138 of the Negotiable Instrument Act,1881,talks about the 

dishonour of cheque for insufficiency,etc. of funds in the account,as 

it states about the essential ingredients,exceptions,punishment 

and fine.

* According to Section 13 of the Negotiable Instrument Act, 1881, Negotiable

Instrument means a promissory note, bill of exchange or cheque payable either to

order or to bearer.

* A negotiable instrument may be made payable to two or more payees jointly, or it

may be made payable in the alternative to one of two, or one or some of several payees.

* Advocate Davendra Meena is there for all such types of consultations and issues.