Money Receipt / Acknowledgement

A money receipt (moni risit) or acknowledgement is the simplest but most essential form of financial contract in Bangladesh — a short written record that a specific amount of money changed hands between two named parties on a specific date, for a stated reason. It sits behind everything: rent collection, refund of a shop deposit, part-payment of a bainanama, a loan disbursement, an advance to a contractor. A receipt does not by itself create a legal obligation the way a loan agreement does — it evidences that a payment happened, which is often the single fact a party needs to prove months later in a dispute. On ChuktiQ, the payer and the receiver both OTP-sign the receipt, so the record cannot be repudiated later.

Stamp & registrationA simple money receipt does not need to be on stamp paper — the Stamp Act charges only certain instruments, and a plain acknowledgement of money already received is generally exempt. However, if the receipt is combined with a promise to repay (i.e. it functions as a promissory note or loan receipt), Tk. 300 non-judicial stamp is the safe practice.

What this agreement typically contains

Payer's and receiver's full name, address, NID / phone
Exact amount received in figures and words
Date and place of payment
Mode of payment (cash, bank transfer, bKash / Nagad — with reference number if any)
Purpose of the payment — rent for the month of X, refund of security deposit on Y, part-payment of the bainanama dated Z, etc.
Whether it is a full and final receipt or a part payment
Signature of the receiver (essential) and payer (recommended)
One witness signature is prudent for large amounts

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Frequently asked questions

Do I need to put a money receipt on stamp paper?: For a plain acknowledgement of money already received, no — the Stamp Act, 1899 does not require stamp on a simple money receipt. If the same document also contains a promise to repay (making it effectively a promissory note or loan receipt), the safe practice is Tk. 300 non-judicial stamp. When in doubt, the small cost of a Tk. 300 stamp is a cheap insurance policy.
The receiver won't give me a receipt. What do I do?: Do not hand over money without a receipt. If a landlord, contractor, or seller refuses to give a receipt for a payment, prepare and print one yourself using ChuktiQ (or hand-write one on paper) and get their signature on it at the moment of payment. If they refuse to sign, retain the transaction evidence — bank transfer / bKash / Nagad transaction record, an SMS from them, or the presence of a witness — as a partial substitute. But a signed receipt is dramatically stronger evidence.

Other contracts in this category

What this agreement typically contains

Payer's and receiver's full name, address, NID / phone

Exact amount received in figures and words

Date and place of payment

Mode of payment (cash, bank transfer, bKash / Nagad — with reference number if any)

Purpose of the payment — rent for the month of X, refund of security deposit on Y, part-payment of the bainanama dated Z, etc.

Whether it is a full and final receipt or a part payment

Signature of the receiver (essential) and payer (recommended)

One witness signature is prudent for large amounts

Frequently asked questions

Do I need to put a money receipt on stamp paper?

For a plain acknowledgement of money already received, no — the Stamp Act, 1899 does not require stamp on a simple money receipt. If the same document also contains a promise to repay (making it effectively a promissory note or loan receipt), the safe practice is Tk. 300 non-judicial stamp. When in doubt, the small cost of a Tk. 300 stamp is a cheap insurance policy.

The receiver won't give me a receipt. What do I do?

Do not hand over money without a receipt. If a landlord, contractor, or seller refuses to give a receipt for a payment, prepare and print one yourself using ChuktiQ (or hand-write one on paper) and get their signature on it at the moment of payment. If they refuse to sign, retain the transaction evidence — bank transfer / bKash / Nagad transaction record, an SMS from them, or the presence of a witness — as a partial substitute. But a signed receipt is dramatically stronger evidence.