01
The Instructions Sheet
Four things to read first, then eight steps and what the workbook does not do.
Money Receipt Format in Excel, with the Amount in Words and a Stamp Check (2026)
A receipt for more than ₹5,000 needs a ₹1 revenue stamp, and an advance needs more than a receipt if you are GST-registered. This free Excel keeps a register of every receipt, works out what is left on the invoice, and prints a customer copy and an office copy. Updated October 2026.
- A register that numbers every receipt and never reuses a number
- The amount in words in lakh and crore, and the balance left on the invoice
- A check on every receipt for the stamp, GST advances and the cash limits
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Petpooja presents
Money Receipt Format
For shops, traders and service businesses
₹5,000
Stamp needed above this · Excel
2026
What's Inside
Six sheets from the first receipt to a copy for both sides
02
The Receipt Register
One row per receipt for 300 receipts: who paid, what for, how, how much, the balance left on the invoice, whether it needs a stamp, and a Check column.
03
The Print Receipt Sheet
Pick a receipt number and print a customer copy and an office copy on one A4 page, with the amount in words and a stamp box when one is needed.
04
The Receipt Rules
Ten provisions from the Indian Stamp Act, the CGST Act and the Income-tax Act, 2025, quoted or summarised, with what each means for your receipts.
05
The Example Register
Two weeks at a made-up wholesale shop in Surat: twelve receipts, five flagged on purpose and one cancelled.
06
The Example Receipt
Receipt MR/26-27/001 printed both ways: a ₹10,000 cheque part payment, with the stamp box and the balance left on the invoice.
Start every receipt from your own invoice with Petpooja Invoice
Petpooja Invoice keeps billing and inventory in one place and records every transaction, with GST worked out on every invoice, so each receipt points to a bill you actually raised.
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Why This Matters
A receipt is a document three Acts have a say in
Under the Indian Stamp Act, 1899, any note that says you received money is a receipt, signed or not. If the payer asks, you must give one for anything over ₹20. Above ₹5,000 it needs a ₹1 revenue stamp, cancelled by signing across it with the date. The rate is set centrally, so it is the same in every state.
Advances are the second trap. If you are GST-registered and a customer pays before the supply, section 31(3)(d) of the CGST Act asks for a receipt voucher with the details in Rule 50: your GSTIN, the tax rate and amount, and the place of supply for an inter-State sale. A plain money receipt does not carry them. Our proforma invoice pack includes a receipt voucher.
Cash is the third. Section 186 of the Income-tax Act, 2025 bars receiving ₹2,00,000 or more in cash from one person in a day, against one transaction or for one event. A wholesale order paid ₹1,50,000 in cash on Tuesday and ₹90,000 on Thursday crosses it, though neither day does. The register adds up the cash against one invoice, whatever the day.
A receipt also closes the loop on what is still owed. Type the invoice number on each receipt, and the invoice amount on the first, and the register shows the balance left, the same figure our guide to getting accounts receivable paid faster starts from.
Sample Preview
What each sheet gives you
Here's a preview of what you'll get inside, sheet by sheet, in the order they open.
Instructions: Four things to read first, the sheets, eight steps and what the workbook does not do.
Receipt Register: Date, receipt no., received from, invoice no., invoice amount, what for, how paid, reference, amount, cancelled, balance due, stamp and the Check column.
Print Receipt: Business name and address, receipt no., date, who paid, the amount in words, how and what for, the stamp box and signature, twice to a page.
Receipt Rules: Ten provisions, quoted or summarised, and what each means for your receipts.
Example Register: A made-up wholesale shop's two weeks: twelve receipts, five flagged and one cancelled.
Example Receipt: Receipt MR/26-27/001: Rupees Ten Thousand Only, by cheque, with ₹8,500 still due on the invoice.
... all 6 sheets in one Excel file, with the formulas locked and the input
cells in yellow.
Key Stats
Three figures every money receipt meets
₹5,000 stamp line
A receipt for more than this needs a ₹1 revenue stamp, at the same rate in every state.
Source: Indian Stamp Act, 1899, Schedule I, Article 53 and s.9(2), read 27-Oct-2026₹20 on demand
Over this, you must give a receipt if the payer asks. Refusing can be fined up to ₹100.
Source: Indian Stamp Act, 1899, s.30 and s.65, read 27-Oct-2026₹2,00,000 in cash
Must not be received in cash from one person in a day, against one transaction or for one event. The penalty can equal the sum received.
Source: Income-tax Act, 2025, s.186 and s.451, read 27-Oct-2026
Common Mistakes
7 Receipt Mistakes Small Businesses Make
01
Splitting a payment to skip the stamp
Two receipts of ₹4,000 for one ₹8,000 payment, written to stay under ₹5,000, is what section 65 of the Stamp Act fines.
02
Leaving the stamp uncancelled
A revenue stamp left uncancelled counts as no stamp, under section 12. Sign or initial across it, with the date.
03
Giving only a money receipt for an advance
If you are GST-registered, an advance needs a receipt voucher with the Rule 50 details. Once your GSTIN is filled in, the register flags every advance.
04
Tearing out or reusing a receipt number
Mark a wrong receipt Cancelled and keep both copies. A gap in the numbers is hard to explain later.
05
Writing a cheque receipt as if it has cleared
Add "subject to realisation" to a receipt for a cheque or draft. The receipt sheet adds it for you.
06
Taking a large order in cash, in parts
Cash against one invoice is added up, whatever the day. ₹1,50,000 and ₹90,000 on two days is ₹2,40,000 under section 186.
07
Leaving out the UPI or bank reference
Without the UTR or UPI reference, a receipt cannot be matched to the bank statement, which is how payment reports stop matching.
Comparison
A Blank Format vs This Workbook
| Aspect | A blank format | With this workbook |
|---|---|---|
| Receipt number | Typed by hand, so repeats happen | Taken from the row, used once |
| Amount in words | Written by hand | Written for you, in lakh and crore |
| The ₹1 revenue stamp | Remembered, or not | Worked out on every receipt, over ₹5,000 or not |
| Part payments | Worked out on paper | Balance left on the invoice, after each receipt |
| An advance | The same receipt as any other | Flagged for a GST receipt voucher once your GSTIN is in |
| The cash limit | Not checked | Added up by person and by invoice |
Swipe the table sideways to see the full comparison.
A receipt book that checks before you sign
Download the free money receipt format and see each receipt checked for the stamp, the advance and the cash limit as you type it.
FAQ
Frequently asked questions
What is the format of a money receipt?
A money receipt carries the business name and address, a receipt number, the date, who paid, the amount in figures and in words, how it was paid with the cheque number or UTR, what it was for, and a signature. Above ₹5,000 it carries a ₹1 revenue stamp. For the words, our amount in words converter works for one figure; this workbook writes them on every receipt, two copies to a page.
Is a revenue stamp required on a money receipt?
Yes, when the amount is more than ₹5,000, under Article 53 of Schedule I to the Indian Stamp Act, 1899. The duty is ₹1, and the stamp must be cancelled, usually by signing across it with the date. Some receipts are exempt, such as one for a gift or donation where nothing is given in return. This page is general guidance, not legal or tax advice; ask your accountant about a receipt you are unsure of.
Is a money receipt the same as a receipt voucher under GST?
No. A receipt voucher is the GST document for an advance, under section 31(3)(d) of the CGST Act, and Rule 50 lists what it must show, including your GSTIN and the tax. A money receipt acknowledges any payment, including one against a tax invoice you have already issued. For a cash sale at the counter, the cash memo covers which GST document to hand over.
How much cash can a business receive against one bill?
Section 186 of the Income-tax Act, 2025 bars receiving ₹2,00,000 or more in cash from one person in a day, in respect of a single transaction, or for one event or occasion, and section 451 allows a penalty equal to the sum received. A loan of ₹20,000 or more must not be taken in cash either, under section 185. This is general guidance; check a flagged receipt with your accountant.
Can I cancel or change a receipt?
Do not edit or delete a receipt you have handed over. Mark it Cancelled, keep both copies, and give a fresh receipt with the next number. GST asks for invoice and voucher numbers to run in a consecutive series for the year, and receipts kept the same way are easy to check. The balance on an outstanding invoice then stays right.
About Petpooja
Petpooja is India's leading SME business software suite, trusted by 1,50,000+ businesses across restaurants, retail, healthcare, manufacturing, and more. From billing and payroll to task management and procurement Petpooja helps Indian businesses run better, every day.
From the invoice you raise to the receipt you give
Petpooja Invoice records every transaction as you bill, with GST worked out on every invoice. If you still bill by hand, our comparison of manual billing and POS software covers when a paper book stops being enough. Ask for a walkthrough of Petpooja Invoice.
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