मराठी

Preparation of BRS - Overdraft as per Pass Book (Unfavourable/Debit balance)

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Topics

  • Items to be Added/Subtracted while Preparing BRS
  • Real-Life Example
Maharashtra State Board: Class 11

Items to be Added/Subtracted while Preparing BRS

Reconciling Item Effect
Add:  
Cheques issued but not yet presented Add (reduces overdraft in cash book)
Amount credited by bank, not entered in cash book Add
Bank charges, debited by bank not entered in cash book Subtract (increases overdraft)
Cheques deposited but not yet credited Subtract
Amount directly deposited by customer, not in cash book Add
Interest credited by bank, not in cash book Add
Wrong credit given by bank (error) Add (increases what you owe)
Subtract:  
Cheques deposited but not yet credited by bank Subtract
Cheques issued but not presented Add
Direct debit by bank (not in cash book) Subtract
Wrong debit by bank Subtract (bank wrongly increased overdraft)
Amount directly paid by bank, not in cash book Subtract
Maharashtra State Board: Class 11

Real-Life Example

Scenario:

Ravi's passbook shows that his bank account has an overdraft (negative balance) of ₹40,000 on October 31, 2025. He wants to find the correct overdraft balance as per his cash book by preparing a bank reconciliation statement.

Additional details:

  • Cheques issued but not yet presented for payment: ₹8,000

  • Cheques deposited but not yet cleared by the bank: ₹6,000

  • The bank charged interest on an overdraft of ₹1,200 (not recorded in cash book)

  • The bank wrongly credited ₹1,500 to Ravi's account

  • Cash deposit of ₹3,000 not recorded in passbook

  • Bank charges of ₹300 not recorded in the cash book

 Bank Reconciliation Statement (₹)

Particulars Add (₹) Less (₹)
Overdraft as per passbook 40,000  
Add: Cheques issued but not yet presented for payment 8,000  
Add: Wrong credit by bank 1,500  
  49,500  
Subtract: Cheques deposited but not yet cleared by the bank   6,000
Subtract: Interest on overdraft   1,200
Subtract: Bank Charges   300
Subtract: Cash deposit   3,000
Balance as per Cash Book (Overdraft)   39,000
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