Which section of the NI Act, 1881 justifies the dishonour of the cheque?

Section 31 of the Negotiable Instruments Act, 1881 governs the liability of the drawee of a cheque (the banker) and defines the conditions under which a banker must honour or is justified in dishonouring a customer’s cheque. Under Section 31, the drawee of a cheque is bound to pay the cheque only when having sufficient funds of the drawer in his hands properly applicable to the payment of such cheque and when duly required to do so; in the absence of sufficient and properly applicable funds or due presentment, dishonour is justified and the banker incurs no liability for default. Sections 28, 29, and 30 deal respectively with the liability of an agent signing, a legal representative signing, and the drawer of a bill or cheque.