Section 13 lists only three statutory negotiable instruments: promissory notes, bills of exchange, and cheques. Hundis are customary instruments governed by local usage and custom, not by the NI Act.

1. 1 Pick up NI Act, 1881.
2. 2 Go to Section 13 — 'Negotiable instrument'.
3. 3 Read: 'A negotiable instrument means a promissory note, bill of exchange or cheque payable either to order or to bearer.'
4. 4 Hundi is NOT listed → answer is B.

The text reads: Section 13: 'Negotiable instrument' means a promissory note, bill of exchange or cheque payable either to order or to bearer.