Negotiable Instruments Act, 1881

Chapter: I
Preliminary
Section 1	:	Short title
Section 2	:	Omitted
Section 3	:	Interpretation clause
Chapter: II
Of Notes, Bills and Cheques
Section 4	:	"Promissory note"
Section 5	:	"Bill of exchange"
Section 6	:	Cheque
Section 7	:	"Drawer", "Drawee"
Section 8	:	"Holder"
Section 9	:	"Holder in due course"
Section 10	:	"Payment in due course"
Section 11	:	"Inland instrument"
Section 12	:	"Foreign instrument"
Section 13	:	"Negotiable instrument"
Section 14	:	Negotiation
Section 15	:	Indorsement
Section 16	:	Indorsement "in blank" and "in full"
Section 17	:	Ambiguous instruments
Section 18	:	Where amount is stated differently in figures and words
Section 19	:	Instruments payable on demand
Section 20	:	Inchoate stamped instruments
Section 21	:	"At sight", "On presentment", "After sight"
Section 22	:	"Maturity"
Section 23	:	Calculating maturity of bill or note payable so many months after date or sight
Section 24	:	Calculating maturity of bill or note payable so many days after date or sight
Section 25	:	When day of maturity is a holiday
Chapter: III
Parties to Notes, Bills and Cheques
Section 26	:	Capacity to make, etc., the promissory notes, etc.
Section 27	:	Agency
Section 28	:	Liability of agent signing
Section 29	:	Liability of legal representative signing
Section 30	:	Liability of drawer
Section 31	:	Liability of drawee of cheque
Section 32	:	Liability of maker of note and acceptor of bill
Section 33	:	Only drawee can be acceptor except in need or for honour
Section 34	:	Acceptance by several drawees not partners
Section 35	:	Liability of indorser
Section 36	:	Liability of prior parties to holder in due course
Section 37	:	Maker, drawer and acceptor principals
Section 38	:	Prior party a principal in respect of each subsequent party
Section 39	:	Suretyship
Section 40	:	Discharge of indorser's liability
Section 41	:	Acceptor bound although indorsement forged
Section 42	:	Acceptance of bill drawn in fictitious name
Section 43	:	Negotiable instrument made, etc., without consideration
Section 44	:	Partial absence or failure of money-consideration
Section 45	:	Partial failure of consideration not consisting of money
Section 45A	:	Holder's right to duplicate of lost bill
Chapter: IV
Of Negotiation
Section 46	:	Delivery
Section 47	:	Negotiation by delivery
Section 48	:	Negotiation by indorsement
Section 49	:	Conversion of indorsement in blank into indorsement in full
Section 50	:	Effect of indorsement
Section 51	:	Who may negotiate
Section 52	:	Indorser who excludes his own liability or makes it conditional
Section 53	:	Holder deriving title from holder in due course
Section 54	:	Instrument indorsed in blank
Section 55	:	Conversion of indorsement in blank into indorsement in full
Section 56	:	Indorsement for part of sum due
Section 57	:	Legal representative cannot by delivery only negotiate instrument indorsed by deceased
Section 58	:	Instrument obtained by unlawful means or for unlawful consideration
Section 59	:	Instrument acquired after dishonour or when overdue
Section 60	:	Instrument negotiable till payment or satisfaction
Chapter: V
Of Presentment
Section 61	:	Presentment for acceptance
Section 62	:	Presentment of promissory note for sight
Section 63	:	Drawee's time for deliberation
Section 64	:	Presentment for payment
Section 65	:	Hours for presentment
Section 66	:	Presentment for payment of instrument payable after date or sight
Section 67	:	Presentment for payment of promissory note payable by instalments
Section 68	:	Presentment for payment of instrument payable at specified place and not elsewhere
Section 69	:	Instrument payable at specified place
Section 70	:	Presentment where no exclusive place specified
Section 71	:	Presentment when maker, etc., has no known place of business or residence
Section 72	:	Presentment of cheque to charge drawer
Section 73	:	Presentment of cheque to charge any other person
Section 74	:	Presentment of instrument payable on demand
Section 75	:	Presentment by or to agent, representative of deceased, or assignee of insolvent
Section 75A	:	Excuse for delay in presentment for acceptance or payment
Section 76	:	When presentment unnecessary
Section 77	:	Liability of banker for negligently dealing with bill presented for payment
Chapter: VI
Of Payment and Interest
Section 78	:	To whom payment should be made
Section 79	:	Interest when rate specified
Section 80	:	Interest when no rate specified
Section 81	:	Delivery of instrument on payment or indemnity in case of loss
Chapter: VII
Of Discharge from Liability on notes, Bills and Cheques
Section 82	:	Discharge from liability
Section 83	:	Discharge by allowing drawee more than forty-eight hours to accept
Section 84	:	When cheque not duly presented and drawer damaged thereby
Section 85	:	Cheque payable to order
Section 85A	:	Drafts drawn by one branch of a bank on another payable to order
Section 86	:	Parties not consenting discharged by qualified or limited acceptance
Section 87	:	Effect of material alteration
Section 88	:	Acceptor or indorser bound notwithstanding previous alteration
Section 89	:	Payment of instrument on which alteration is not apparent
Section 90	:	Extinguishment of rights of action on bill in acceptor's hands
Chapter: VIII
Of Notice of Dishonour
Section 91	:	Dishonour by non-acceptance
Section 92	:	Dishonour by non-payment
Section 93	:	By and to whom notice should be given
Section 94	:	Mode in which notice may be given
Section 95	:	Party receiving must transmit notice of dishonour
Section 96	:	Agent for presentment
Section 97	:	When party to whom notice given is dead
Section 98	:	When notice of dishonour is unnecessary
Chapter: IX
Of Noting and Protest
Section 99	:	Noting
Section 100	:	Protest
Section 101	:	Contents of protest
Section 102	:	Notice of protest
Section 103	:	Protest for non-payment after dishonour by non-acceptance
Section 104	:	Protest of foreign bills
Section 104A	:	When noting equivalent to protest
Chapter: X
Of reasonable time
Section 105	:	Reasonable time
Section 106	:	Reasonable time of giving notice of dishonour
Section 107	:	Reasonable time for transmitting such notice
Chapter: XI
Of Acceptance and Payment for Honour and reference in case of need
Section 108	:	Acceptance for honour
Section 109	:	How acceptance for honour must be made
Section 110	:	Acceptance not specifying for whose honour it is made
Section 111	:	Liability of acceptor for honour
Section 112	:	When acceptor for honour may be charged
Section 113	:	Payment for honour
Section 114	:	Right of payer for honour
Section 115	:	Drawee in case of need
Section 116	:	Acceptance and payment without protest
Chapter: XII
Of Compensation
Section 117	:	Rules as to compensation
Chapter: XIII
Special rules of evidence
Section 118	:	Presumptions as to negotiable instruments
Section 119	:	Presumption on proof of protest
Section 120	:	Estoppel against denying original validity of instrument
Section 121	:	Estoppel against denying capacity of payee to indorse
Section 122	:	Estoppel against denying signature or capacity of prior party
Chapter: XIV
Of Crossed Cheques
Section 123	:	Cheque crossed generally
Section 124	:	Cheque crossed specially
Section 125	:	Crossing after issue
Section 126	:	Payment of cheque crossed generally
Section 127	:	Payment of cheque crossed specially more than once
Section 128	:	Payment in due course of crossed cheque
Section 129	:	Payment of crossed cheque out of due course
Section 130	:	Cheque bearing "not negotiable"
Section 131	:	Non-liability of banker receiving payment of cheque
Section 131A	:	Application of Chapter to drafts
Chapter: XV
Of Bills in Sets
Section 132	:	Set of bills
Section 133	:	Holder of first acquired part entitled to all
Chapter: XVI
Of International Law
Section 134	:	Law governing liability of maker, acceptor or indorser of foreign instrument
Section 135	:	Law of place of payment governs dishonour
Section 136	:	Instrument made, etc., out of India, but in accordance with the law of India
Section 137	:	Presumption as to foreign law
Chapter: XVII
Of Penalties in case of Dishonour of Certain Cheques for Insufficiency of Funds in the Accounts
Section 138	:	Dishonour of cheque for insufficiency, etc., of funds in the account
Section 139	:	Presumption in favour of holder
Section 140	:	Defence which may not be allowed in any prosecution under section 138
Section 141	:	Offences by companies
Section 142	:	Cognizance of offences
Section 142A	:	Validation for transfer of pending cases
Section 143	:	Power of Court to try cases summarily
Section 143A	:	Power to direct interim compensation.
Section 144	:	Mode of service of summons
Section 145	:	Evidence on affidavit
Section 146	:	Bank's slip prima facie evidence of certain facts
Section 147	:	Offences to be compoundable
Section 148	:	Power of Appellate Court to order payment pending appeal against conviction.