{"id":2812,"date":"2026-01-06T12:13:34","date_gmt":"2026-01-06T12:13:34","guid":{"rendered":"https:\/\/jumpp.finance\/blog\/?p=2812"},"modified":"2026-01-07T05:07:35","modified_gmt":"2026-01-07T05:07:35","slug":"difference-between-cheque-and-demand-draft","status":"publish","type":"post","link":"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/difference-between-cheque-and-demand-draft\/","title":{"rendered":"Difference Between Cheque and Demand Draft: Which Payment Method Is Safer and Why"},"content":{"rendered":"<div class='main-article-wrapper'>\n<p class=\"wp-block-paragraph\">At some point, almost everyone has to choose between issuing a cheque or getting a demand draft. It looks like a small decision, but it can affect whether a payment is accepted immediately or delayed without warning. Cheques and demand drafts both move money, but they do it in very different ways. Understanding the difference between a cheque and a demand draft can save a lot of time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_Cheque\"><\/span>What is a Cheque?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A cheque is a written and signed instruction given by an account holder to their bank, asking it to pay a specific amount to a person or organisation. It works as a paper-based alternative to cash, which allows money to be transferred safely without physically handling currency.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cheque Example<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"460\" src=\"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/What-is-a-Cheque-1024x460.png\" alt=\"What is a Cheque\" class=\"wp-image-2828\" srcset=\"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/What-is-a-Cheque-1024x460.png 1024w, https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/What-is-a-Cheque-300x135.png 300w, https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/What-is-a-Cheque-768x345.png 768w, https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/What-is-a-Cheque-1536x691.png 1536w, https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/What-is-a-Cheque-520x234.png 520w, https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/What-is-a-Cheque.png 1577w\" sizes=\"auto, (max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Components of a Cheque<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Drawer<\/strong>: The account holder who writes and signs the cheque.<\/li>\n\n\n\n<li><strong>Drawee<\/strong>: The bank on which the cheque is issued.<\/li>\n\n\n\n<li><strong>Payee<\/strong>: The individual or organisation receiving the payment.<\/li>\n\n\n\n<li><strong>Amount<\/strong>: The exact sum to be paid, written in words and figures.<\/li>\n\n\n\n<li><strong>Date<\/strong>: Determines the validity period of the cheque.<\/li>\n\n\n\n<li><strong>Signature<\/strong>: Confirms that the drawer has authorised the payment.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What are the Advantages of a Cheque?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A cheque may look old-fashioned, but in many real situations it offers flexibility and control that instant payments do not.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Using a cheque feels safer than carrying large amounts of cash for rent, fees, or business payments.<\/li>\n\n\n\n<li>Every cheque leaves a paper trail, which makes tracking expenses, accounts, and disputes much easier.<\/li>\n\n\n\n<li>If something goes wrong, you can ask the bank to stop the payment before the cheque is cleared.<\/li>\n\n\n\n<li>Cheques usually do not involve extra charges, making them a cost effective option for regular payments.<\/li>\n\n\n\n<li>You can post-date a cheque to plan future payments, and it works even without internet access.<\/li>\n\n\n\n<li>A cleared cheque and bank statement together act as solid proof of payment.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What are the Disadvantages of a Cheque?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cheques may feel safe, but they are not always the most reliable way to move money.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cheques take time to clear, so the money does not reach the other person immediately.<\/li>\n\n\n\n<li>There is always a risk of the cheque bouncing if the account does not have enough balance.<\/li>\n\n\n\n<li>Cheques can be misused or forged since they carry sensitive banking details.<\/li>\n\n\n\n<li>Handling cheques means paperwork, safe storage, and bank visits, which can be inconvenient.<\/li>\n\n\n\n<li>Many people and businesses no longer accept cheques due to faster digital options.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Types of Cheques You Should Know About<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cheques are issued by account holders and are commonly classified based on how they are paid and their validity.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type of Cheque<\/strong><\/td><td><strong>Purpose<\/strong><\/td><\/tr><tr><td>Bearer cheque<\/td><td>Can be encashed by anyone who presents it at the bank, usually without identification<\/td><\/tr><tr><td>Order cheque<\/td><td>Payable only to the person or organisation named on the cheque<\/td><\/tr><tr><td>Crossed cheque<\/td><td>Must be deposited into a bank account and cannot be encashed directly<\/td><\/tr><tr><td>Account payee cheque<\/td><td>Can be credited only to the payee\u2019s bank account, making it safer<\/td><\/tr><tr><td>Self cheque<\/td><td>Used by the account holder to withdraw cash from their own account<\/td><\/tr><tr><td>Post-dated cheque<\/td><td>Has a future date and can be processed only on or after that date<\/td><\/tr><tr><td>Stale cheque<\/td><td>Becomes invalid if not presented within the validity period, usually three months<\/td><\/tr><tr><td>Mutilated cheque<\/td><td>A damaged or torn cheque may be rejected unless verified by the bank<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_Demand_Draft_DD\"><\/span>What is a Demand Draft (DD)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Demand Draft, commonly known as DD, is a prepaid banking instrument issued by a bank to transfer a fixed amount of money to a specific payee.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A DD guarantees payment and does not carry the risk of bouncing like a cheque. This is because the funds are collected in advance by the bank.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Draft Example<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"467\" src=\"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/demand-draft-1024x467.png\" alt=\"what is demand draft\" class=\"wp-image-2822\" srcset=\"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/demand-draft-1024x467.png 1024w, https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/demand-draft-300x137.png 300w, https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/demand-draft-768x350.png 768w, https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/demand-draft-1536x700.png 1536w, https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/demand-draft-520x237.png 520w, https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2026\/01\/demand-draft.png 1556w\" sizes=\"auto, (max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Components of a Demand Draft<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Issuing bank and branch details<\/strong>: Shows which bank and branch have issued the draft and are guaranteeing the funds.<\/li>\n\n\n\n<li><strong>Date of issue<\/strong>: Indicates when the demand draft was created and becomes valid.<\/li>\n\n\n\n<li><strong>Payee\u2019s name<\/strong>: The person or organisation authorised to receive the payment.<\/li>\n\n\n\n<li><strong>Amount payable<\/strong>: The fixed sum written in both figures and words, with the written amount taking priority in case of differences.<\/li>\n\n\n\n<li><strong>Serial number or unique ID<\/strong>: Used for tracking, verification, and record keeping.<\/li>\n\n\n\n<li><strong>Authorised bank signatures<\/strong>: Confirms that the draft has been officially issued and guaranteed by the bank.<\/li>\n\n\n\n<li><strong>Security features<\/strong>: May include watermarks or other safeguards to prevent fraud.<\/li>\n\n\n\n<li><strong>Payable bank branch<\/strong>: Specifies the branch where the draft can be presented for payment.<\/li>\n\n\n\n<li><strong>Applicant\u2019s details<\/strong>: Records the name of the person or entity that requested and paid for the demand draft.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What are the Advantages of a Demand Draft?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike cheques, demand drafts remove the risk of payment failure from the equation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let us explore the advantages of using a demand draft!<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Guaranteed payment<\/strong> because the bank collects the money in advance, so there is no risk of the DD bouncing due to insufficient funds.<\/li>\n\n\n\n<li><strong>Higher security<\/strong> as the DD is issued in the name of a specific payee and does not depend on the payer\u2019s signature, which reduces misuse and fraud.<\/li>\n\n\n\n<li><strong>Widely accepted<\/strong> by colleges, government departments, courts, and large organisations that need assured payments.<\/li>\n\n\n\n<li><strong>Suitable for large amounts<\/strong> since there is usually no upper limit, making it useful for property purchases, vehicle payments, or major fees.<\/li>\n\n\n\n<li><strong>No bank account required,<\/strong> as even non-account holders can get a DD by paying cash, subject to regulatory limits.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Disadvantages of Demand Draft<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Demand drafts involve bank charges, take longer to process, and are difficult to cancel once issued.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>An extra cost is involved<\/strong> because banks charge issuance fees, which can feel unnecessary for small or frequent payments. This is usually a small fixed fee of around \u20b925 to \u20b940 for lower amounts and a per-thousand charge for higher values, with GST applied.<\/li>\n\n\n\n<li><strong>Less convenient <\/strong>since it often requires visiting a bank branch and handling a physical document.<\/li>\n\n\n\n<li><strong>Slower processing<\/strong> as DDs take time to be issued, delivered, and cleared, unlike instant digital transfers.<\/li>\n\n\n\n<li><strong>Hard to cancel or refund<\/strong> once issued, especially if the DD has already been handed over to the payee.<\/li>\n\n\n\n<li><strong>Risk of loss or damag<\/strong>e because a DD is a physical paper instrument that can be misplaced or damaged<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Types of Demand Drafts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bank drafts, also called demand drafts, are prepaid instruments issued by banks that guarantee payment.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type of Demand Draft<\/strong><\/td><td><strong>Purpose<\/strong><\/td><\/tr><tr><td>Sight demand draft<\/td><td>Payable immediately when presented, after basic verification<\/td><\/tr><tr><td>Time demand draft<\/td><td>Payable after a specified period or on a future date<\/td><\/tr><tr><td>Banker\u2019s cheque or pay order<\/td><td>Similar to a demand draft, mainly used for local or same-city payments<\/td><\/tr><tr><td>Money order<\/td><td>Used to transfer a fixed amount from one place to another on behalf of a customer<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_Difference_Between_a_Cheque_and_a_Demand_Draft\"><\/span>What is the Difference Between a Cheque and a Demand Draft?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The main difference between a cheque and a demand draft is who takes responsibility for the payment.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A cheque is issued by an account holder and depends on their bank balance, while a demand draft is issued and guaranteed by the bank after collecting the money in advance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cheque vs. Demand Draft: When to Use Which Payment Method<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Cheque<\/strong><\/td><td><strong>Demand Draft<\/strong><\/td><\/tr><tr><td>Issued by<\/td><td>Account holder<\/td><td>Bank<\/td><\/tr><tr><td>Funds requirement<\/td><td>Balance is needed at clearance<\/td><td>Prepaid upfront<\/td><\/tr><tr><td>Risk of bounce<\/td><td>Possible if insufficient funds<\/td><td>None, guaranteed payment<\/td><\/tr><tr><td>Cost<\/td><td>Usually free<\/td><td>Bank fee applies<\/td><\/tr><tr><td>Cancellability<\/td><td>Yes<\/td><td>Difficult once issued<\/td><\/tr><tr><td>Security level<\/td><td>Lower risk if lost or misused<\/td><td>Higher, bank-backed<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cheque_or_Demand_Draft-_Which_One_Should_You_Use\"><\/span>Cheque or Demand Draft- Which One Should You Use?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cheques are simple and flexible, making them suitable for everyday payments. But they carry the risk of failure if funds are not available.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Demand drafts are safer because the bank guarantees the payment, which is why they are preferred for high-value or official transactions where certainty matters.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Many government schemes require secure and verified payment methods through banks. If you want to understand eligibility, benefits, and payment processes, read our complete guide on the <a href=\"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/ladli-behna-yojana\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ladli Behna Yojana<\/a> and how beneficiaries receive financial support.<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you prefer the flexibility of cheques or the security of a demand draft, everything starts with a reliable savings account. A<strong> <a href=\"https:\/\/jumpp.finance\/save\" target=\"_blank\" rel=\"noreferrer noopener\">zero balance savings account<\/a><\/strong> lets you issue cheques, request demand drafts, and manage payments without worrying about minimum balance penalties.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Disclaimer-<\/strong>&nbsp;The rankings and figures in this article have been compiled from multiple verified reports, credible sources, and public financial data available as of 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">All values are approximate and may vary with newer updates, revisions, or changes in official records.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cheque_vs_Demand_Draft_%E2%80%93_FAQs\"><\/span>Cheque vs Demand Draft &#8211; FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1767681766346\"><strong class=\"schema-faq-question\"><strong>What is the difference between a DD and a cheque?<\/strong><\/strong> <p class=\"schema-faq-answer\">A Demand Draft is issued by a bank after funds are paid in advance, so payment is guaranteed. A cheque is issued by an account holder and can bounce if there are insufficient funds.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767681767233\"><strong class=\"schema-faq-question\"><strong>What is the difference between a cheque and a draft?<\/strong><\/strong> <p class=\"schema-faq-answer\">A cheque depends on the drawer\u2019s bank balance and signature, while a draft is backed by the issuing bank itself. This makes a draft more secure and reliable than a cheque.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767681767887\"><strong class=\"schema-faq-question\"><strong>Can DD be made without a cheque?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, a Demand Draft can be obtained directly from a bank by paying cash or debiting an account. A cheque is not mandatory to issue a DD.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767681768474\"><strong class=\"schema-faq-question\"><strong>Why is a draft better than a cheque?<\/strong><\/strong> <p class=\"schema-faq-answer\">A draft is better because the bank guarantees payment, eliminating the risk of dishonour. It is widely accepted for high-value or official payments.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767681769009\"><strong class=\"schema-faq-question\"><strong>Is DD safer than a cheque?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, a Demand Draft is considered safer. This is because the money is already with the bank before issuance. This removes the risk of insufficient funds and reduces fraud.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767681825337\"><strong class=\"schema-faq-question\"><strong>What are the advantages of using a DD?<\/strong><\/strong> <p class=\"schema-faq-answer\">Demand Drafts offer guaranteed payment, higher security, and faster acceptance for formal transactions. They are preferred for fees, property deals, and payments to institutions.<\/p> <\/div> <\/div>\n<\/div><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/difference-between-cheque-and-demand-draft\/#What_is_a_Cheque\" >What is a Cheque?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/difference-between-cheque-and-demand-draft\/#What_is_a_Demand_Draft_DD\" >What is a Demand Draft (DD)?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/difference-between-cheque-and-demand-draft\/#What_is_the_Difference_Between_a_Cheque_and_a_Demand_Draft\" >What is the Difference Between a Cheque and a Demand Draft?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/difference-between-cheque-and-demand-draft\/#Cheque_or_Demand_Draft-_Which_One_Should_You_Use\" >Cheque or Demand Draft- Which One Should You Use?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/difference-between-cheque-and-demand-draft\/#Cheque_vs_Demand_Draft_%E2%80%93_FAQs\" >Cheque vs Demand Draft &#8211; FAQs<\/a><\/li><\/ul><\/nav><\/div>\n","protected":false},"excerpt":{"rendered":"<p>At some point, almost everyone has to choose between issuing a cheque or getting a demand draft. It looks like a small decision, but it can affect whether a payment is accepted immediately or delayed without warning. Cheques and demand drafts both move money, but they do it in very different ways. Understanding the difference &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/difference-between-cheque-and-demand-draft\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Difference Between Cheque and Demand Draft: Which Payment Method Is Safer and Why&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2833,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1001],"tags":[1591,1590,1588,1592,1593,1589,1587],"class_list":["post-2812","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","tag-advantages-of-cheque","tag-advantages-of-demand-draft","tag-difference-between-cheque-and-demand-draft","tag-disadvantages-of-cheque","tag-disadvantages-of-demand-draft","tag-what-is-cheque","tag-what-is-demand-draft"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is the Difference Between a Cheque and a Demand Draft<\/title>\n<meta name=\"description\" content=\"Confused about the difference between a cheque and a demand draft? 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This makes a draft more secure and reliable than a cheque.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/difference-between-cheque-and-demand-draft\/#faq-question-1767681767887","position":3,"url":"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/difference-between-cheque-and-demand-draft\/#faq-question-1767681767887","name":"Can DD be made without a cheque?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, a Demand Draft can be obtained directly from a bank by paying cash or debiting an account. 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