Please read this article, where all these codes are explained: Complete list of reasons for which a cheque can be returned unpaid by a bank.
Code No. 36 for return of cheque means: “Wrongly delivered/ Not drawn on us”. Thus, it is clear that the cheque has been deposited in a wrong bank since it is not drawn on that bank. Present the cheque in the correct bank.
Dr. Ashok Dhamija is a New Delhi based Supreme Court Advocate and author of law books. Read more about him by clicking here. List of his Forum Replies. List of his other articles. List of his Quora Answers. List of his YouTube Videos.
.