law: Negotiable Instruments Act, 1881 
  64. Presentment for payment 
  Promissory notes, bill of exchange and cheques must be presented
  
  for payment to the maker, acceptor or drawee thereof respectively, by or on
  
  behalf of the holder as hereinafter provided. In default of such presentment,
  
  the other parties thereto are not liable thereon to such holder.
  20[Where authorized by agreement or usage, a presentment through
  
  the post office by means of a registered letter is sufficient.] 
  Exception:  Where a promissory note is payable on demand
  
  and is not payable at a specified place, no presentment is necessary in order
  
  to charge the maker thereof.