SIR, I am a Teacher in M.c. pry. school Sonia vihar -1 ,taken Teacher's personal Loan from Canara bank ,rohtas nagar, shahdara branch for which i have given 36 cheques of BOB BHAJANPURA Branch ( my salary account ) in month of september . for wrong Encoding done by bank and returned of that cheque no: 498362 twice i suffered Rs 85+ Rs 85/- = Rs 170 /- whereas my account has sufficient fund to pass this cheque.