Post-dated cheques from property buyers. Fee collections. Loan repayments. If your team keys in cheque details by hand, every cheque costs minutes of work and carries stale-date and duplicate risk nobody catches until reconciliation. Cheque Intelligence reads, validates and posts them — automatically.
✓ Live in production at enterprise scale · Posted to SAP AR with a complete audit trail · Customer references available on request
AI reads the complete cheque in about 30 seconds — no templates, no bank-format setup.
✓ Payee name — matched against your ledger
✓ Amount in figures and amount in words — cross-checked against each other
✓ MICR line, IFSC, bank and branch details
✓ Date — validated for stale and post-dated status
✓ Signature presence and crossing detection
✓ Handwritten cheques included — not just printed ones
RBI CTS-aware validations catch the problems manual keying misses — before the cheque is banked, not at reconciliation.
Every date validated against validity windows — stale cheques flagged before deposit, post-dated cheques tracked to their due date.
Amount in words and amount in figures read independently and cross-checked — a classic manual-entry blind spot, caught automatically.
Every cheque number checked against your full history — resubmissions and duplicates held before they hit the bank.
Signs of overwriting or alteration surface for human review rather than passing silently.
MICR line verified for integrity; bank and branch details validated for consistency.
Clean cheques auto-approve. Doubtful ones route to your team with the image and every check's result, side by side.
Scans or images of incoming cheques, individually or in batches
AI reads all fields — printed and handwritten — in ~30 seconds
15+ RBI CTS-aware rules; duplicates and stale dates held
Exceptions routed to your team; clean cheques auto-approved
Approved entries posted to SAP AR, audit-tagged, history preserved
Post-dated cheque books from property buyers — thousands of PDCs tracked, validated and presented on schedule.
Fee collections across terms and campuses — every cheque captured, matched to the student ledger, exceptions flagged.
Repayment cheques at volume, with the duplicate and stale-date controls a compliance-driven business needs.
A rough benchmark for manual processing: several minutes per cheque, all-in — plus the risk that stays invisible until reconciliation. Validate the numbers on your own cheques in a pilot.
Cheque Intelligence is NexumFlow's AI cheque-processing product for enterprises that receive cheques at scale. AI reads every field on each cheque — payee, amounts in words and figures, MICR, IFSC, date, signature presence, crossing, including handwriting — in about 30 seconds at 98%+ extraction accuracy, applies 15+ RBI CTS-aware validation rules, auto-approves clean cheques and routes exceptions to human review, then posts to SAP AR with a complete audit trail.
15+ RBI CTS-aware validation rules: stale and post-dated date checks, amount-in-words versus amount-in-figures matching, duplicate cheque-number detection against history, alteration flags, MICR verification and payee-to-ledger matching. Doubtful cheques are held and routed to a review queue rather than silently passed.
Businesses that receive cheques in volume: real-estate developers collecting post-dated cheques from buyers, educational institutions collecting fees, and NBFCs collecting repayments. Manual cheque handling typically takes minutes per cheque and carries stale-date and duplicate risk that surfaces only at reconciliation.
Yes. Validated cheques post to SAP Accounts Receivable with audit-tagged entries. Additional ERP targets are scoped during implementation, alongside NexumFlow's AP-side integrations with SAP, Oracle, Microsoft D365 and Tally.
Bring a handful of your own cheque images to a 15-minute demo — we'll extract and validate them in front of you.