印度于2025年10月4日开始近乎实时的支票清盘工作, India begins near real-time cheque clearing on Oct 4, 2025, speeding up fund availability.

从2025年10月4日起,印度的支票结算系统将转向接近实时的处理,使资金能够在数小时内而不是数天内贷记入帐。 Starting October 4, 2025, India’s cheque clearing system will shift to near real-time processing, enabling funds to be credited within hours instead of days. 印度储备银行(RBI)将分阶段推出,在上午10时至下午4时之间对支票进行扫描,从上午11时起按小时结算。 银行必须在第1阶段(至2026年1月2日)下午7时前确认结关,或在第2阶段(从2026年1月3日起)三小时内确认结关,并自动批准未经确认的支票。 The Reserve Bank of India (RBI) will implement a phased rollout, with cheques deposited between 10 a.m. and 4 p.m. scanned and settled hourly from 11 a.m. Banks must confirm clearance by 7 p.m. in Phase 1 (until Jan 2, 2026), or within three hours in Phase 2 (from Jan 3, 2026), with unconfirmed cheques auto-approved. 这一变化在全国范围内适用于德里、孟买和钦奈的清理网,提高了速度、透明度和安全性。 The change applies nationwide across Delhi, Mumbai, and Chennai clearing grids, improving speed, transparency, and security. 敦促客户核实支票细节,对较大的支票使用 " 积极支付制度 " 。 Customers are urged to verify cheque details and use the Positive Pay System for larger cheques. 该搬迁以先前的升级为基础,包括支票排查系统和T+1结算。 The move builds on prior upgrades, including the Cheque Truncation System and T+1 settlement.