While some banks add QR codes, it is not a mandatory standard feature prescribed under CTS-2010 standards (unlike Void Pantograph, UV Logo, and Watermark).

STP means the payment message flows from the remitting bank to the RBI and then to the beneficiary bank automatically without any manual intervention, ensuring speed and accuracy.

While the facility is available for cheques of ?50,000 and above, banks have the discretion to make it mandatory for cheques for amounts of ?5 Lakh and above to prevent high-value fraud.

The Void Pantograph is a hidden feature. When a cheque is photocopied or scanned, the word "VOID" or "COPY" clearly appears on the copy, making it impossible to use the copy for fraud.

NEFT operates in half-hourly batches throughout the day (24x7). In a 24-hour cycle, there are 48 batches (00:30 to 00:00).

Currently, CTS operates in 3 grids: Northern Grid (New Delhi), Southern Grid (Chennai), and Western Grid (Mumbai). All cheques are cleared through one of these grids.

The IFSC structure is: First 4 chars = Bank Code (Alphabetic); 5th char = 0 (Zero) (Reserved for future use); Last 6 chars = Branch Code (Numeric/Alphabetic). Example: SBIN0001234.

CTS standards mandate using the TIFF (Tagged Image File Format) . Three images are captured: 1. Front Grayscale (for visual details), 2. Front Black & White (Binary, for MICR reading), 3. Back Black & White (Binary, for endorsements).