RBI/2013-14/87 DCM(FNVD) G- 5/16.01.05/ 2013-14 July 1, 2013 The Chairman / Managing Director, Commercial Banks , Cooperative Banks, RRBs / Private Banks, Foreign Banks and Director of Treasuries of all States Dear Sir/Madam, Master Circular – Detection and Impounding of Counterfeit Notes Please refer to the Master Circular DCM (FNVD) No.G-5/16.01.05/ 2012-13 dated July 2, 2012 consolidating the instructions issued till June 30, 2012 relating to detection and impounding of Counterfeit Notes. The Master Circular has been since been updated by incorporating the instructions issued till date and has been placed on the RBI website www.rbi.org.in . The Master Circular is a compilation of the instructions contained in the circulars issued by RBI on the above subject which are operational as on the date of this Circular. Yours faithfully, (B P Vijayendra) Principal Chief General Manager Encls : Master Circular
24
Embed
Master Circular – Detection and Impounding of Counterfeit ...€¦ · The progress made by banks in detection and reporting of counterfeit notes to Police, RBI, etc. and problems
This document is posted to help you gain knowledge. Please leave a comment to let me know what you think about it! Share it to your friends and learn new things together.
Transcript
RBI/2013-14/87DCM(FNVD) G- 5/16.01.05/ 2013-14 July 1, 2013
The Chairman / Managing Director,
Commercial Banks , Cooperative Banks, RRBs /
Private Banks, Foreign Banks and
Director of Treasuries of all States
Dear Sir/Madam,
Master Circular – Detection and Impounding of Counterfeit Notes
Please refer to the Master Circular DCM (FNVD) No.G-5/16.01.05/ 2012-13 dated July
2, 2012 consolidating the instructions issued till June 30, 2012 relating to detection and
impounding of Counterfeit Notes. The Master Circular has been since been updated by
incorporating the instructions issued till date and has been placed on the RBI
website www.rbi.org.in.
The Master Circular is a compilation of the instructions contained in the circulars issued
by RBI on the above subject which are operational as on the date of this Circular.
Yours faithfully,
(B P Vijayendra)Principal Chief General ManagerEncls : Master Circular
Master Circular – Detection and Impounding of Counterfeit Notes - 2013CONTENTS
Para
No
Particulars
1 Authority to Impound Counterfeit Notes
2 Detection of counterfeit notes
3 Impounding of Counterfeit notes
4 Issue of Receipt to tenderer
5 Detection of counterfeit notes – Reporting to Police and other bodies
6 Examination of Banknotes Before Issuing over Counters, Feeding ATMs and
Remitting to Issue Offices of RBI
7 Designating Nodal Bank Officer
8 Establishment of Forged Notes Vigilance Cell at Head Office of Bank
9 Provision of Ultra-Violet Lamp and Other Infrastructure
10 Reporting of Data - (I) Bank Branches (II) FNVC of Bank (III) Cooperative
Banks & RRBs
11 Compensation for detection of counterfeit notes
12 Preservation of Counterfeit Notes Received from Police Authorities
13 Detection of Counterfeit Notes - Training of Staff
Annex I
Annex II
Annex III
Annex IV
Annex V
Annex VI
Annex VII
RESERVE BANK OF INDIADEPARTMENT OF CURRENCY MANAGEMENT
MASTER CIRCULAR – 2012-13Detection and Impounding of Counterfeit Notes
Para 1 Authority to Impound Counterfeit Notes
The Counterfeit Notes can be impounded by-
(i) All branches of Public Sector Banks.
(ii) All branches of Private Sector Banks and Foreign Banks.
(iii) All branches of Co-operative Banks & Regional Rural Banks.
(iv) All Treasuries and Sub-Treasuries.
(v) Issue Offices of Reserve Bank of India.
Para 2 Detection of counterfeit notes
i. Detection of counterfeit notes should be at the back office / currency chest only.
Banknotes when tendered over the counters may be checked for arithmetical accuracy
and other deficiencies like whether there are mutilated notes, and appropriate credit
passed on to the account or value in exchange given.
ii. Thereafter the notes should be passed over to the back office / currency chest, as the
case may be, for detailed verification and authentication through machines
iii. The banknotes categorized as suspect during machine processing should be subjected
to manual verification for checking their authenticity.
iv. In no case, the counterfeit notes should be returned to the tenderer or destroyedby the bank branches / treasuries. Failure of the banks to impound counterfeit notes
detected at their end will be construed as willful involvement of the bank concerned, in
circulating counterfeit notes and penalty will be imposed for violation of Directive No.
3158/09.39.00 (Policy)/2009-10 dated November 19, 2009 issued by the Reserve Bank.
Para 3 Impounding of counterfeit notes
The notes identified as counterfeit should be kept separately with proper impounding
stamp as per the format (Annex I). Details of each impounded note should be recorded
Each banknote, which, on examination of various security features / parameters, is determined
as a counterfeit one, shall be branded with a stamp "COUNTERFEIT BANKNOTE". For this
purpose, a stamp with a uniform size of 5 cm x 5 cm with the following inscription may be used.
COUNTERFEIT BANKNOTE IMPOUNDED
BANK / TREASURY/ SUB-TREASURY
BRANCH / CURRENCY CHEST
SIGNATURE
DATE
Annex II
(Paragraph 5)
Consolidated Monthly Reporting for the month of ________
1. Name of the Bank / District:2. Name and Address of the Nodal Officer:3. Detail of counterfeit notes
Date of
detection
Name of branch /
currency chest
Denominations /
pieces / serial
numbers
Security features
breached
4. The counterfeit notes are enclosed herewith,
5. Kindly acknowledge receipt.
(Authorised signatory)
Encl:
Annex- III
(Paragraph 5)
Name of the BankDistrictName and Address of the Nodal Bank OfficerRef. No. Date:The Sr. Inspector of Police,___________Police Station,
Dear Sir,
Detection of counterfeit note/s – Request for investigation
We enclose the following counterfeit notes detected in our office on ________. The details ofthe counterfeit notes are furnished below.
2. As the printing and/or circulation of forged Indian Currency Notes is an offence underSections 489A to 489E of the Indian Penal Code, we request you to lodge FIR and conduct thenecessary investigation. In case it is decided to file criminal proceedings in the court of law, youmay first arrange to send the notes to any of the Note Printing Presses, Forensic ScienceLaboratories etc. in terms of the provisions of Section 292(1) and 292(3) of the Code of CriminalProcedure) for examination. The expert opinion furnished may be produced in the court asevidence under Section 292 of the Criminal Procedure Code. The forged notes may please bereturned to us after the completion of the investigation and/or proceedings in the court of lawalong with the detailed report of the investigation/decision of the court.
Denominations
/Number of
pieces
Serial Number Notional Value Name andAddress of thebranch /currency chestwhere detectiontook place
Bank’s Entry No
3. The counterfeit notes are enclosed herewith.
4. Please acknowledge receipt.
Yours faithfully,
Authorized Signatory
Encl:
Annex IV(Paragraph 8)
FORMAT FOR FURNISHING ADDRESS ETC. PARTICULARS OF FORGED NOTEVIGILANCE CELL (FNVC) TO RBI
(TO BE FURNISHED BY E-MAIL ON 1ST JULY EVERYYEAR)REF: MASTER CIRCULAR DATED JULY1, 2012 ISSUED BY RBI
NAME OF THEBANK
ADDRESS OFFNVC(WITH PINCODE)
NAME ANDDESIGNATION OFOFFICER-IN-CHARGE
TELEPHONENO (WITHCODE).
FAX NO.(WITHCODE)
E-mailAddressof theFNVC
We note to intimate immediately the changes, if any, in the particulars furnishedabove
Name of Authorised OfficialDesignationDate
NB:: The completed format should be transmitted by e-mail, in MS-Exel on thefollowing address-
Statement showing the details of counterfeit banknotes detected in the
branch during the month of _______________
A. Details of counterfeit notes detectedType ofdetection
Name ofbranch /currencychest
Denomination-wise Details in pieces Totalpieces10 20 50 100 500 1000
FIRNon-FIR
B) Details of cases filed with police
Pending withPolice at thebeginning ofthe month
Sent toPoliceduring themonthunderreport
Returned bythe Police
Pending withthe Police atthe end of themonth
No. of cases
No. of pieces
NB: Each FIR lodged comprises one case. The total number of forged notes covered by the
FIR may be indicated in each of the columns above.
Forwarded to: -
1. The General Manager/Deputy General Manager, Reserve Bank of India, Issue
Department, ____________
(Signature)
Name & Designation of the Authorised Official
Annex VI
(Paragraph 11)
Claim for the month of:
Name of the bank:Address of the Forged Note Vigilance:E-mail address:State/Union territory-wise summary of Counterfeit Notes detected and Reported by the bank:Name ofState /UT¥
Particulars Denominational detail in pieces Total
10 20 50 100 500 1000
BanknotesProcessedthroughmachinesCounterfeit NotesDetected andReportedClaim forcompensation @25% of thenotional value ofcounterfeit notesdetected
¥To be indicated separately for each State / UT
Certified that (i) Consolidated Monthly Reporting /FIRs, as applicable, to Police have been done
in respect of all notes indicated above, and (ii) the related data has been reported to the Issue
Office of Reserve Bank of India concerned.
Name of Head of the FNV Cell _____________
Designation _____________
Date _____________
Forwarded to Department of Currency Management, (FNV Division), Reserve Bank of India,
Mumbai
NB:: claim to be prepared in MS-Exel and transmitted by e-mail within 15 days ofsucceeding month.
Designs of bank notes issued by theReserve Bank of India since 1967
Year Size Watermark Front Back
I. Rs.10 notes
1967 137x63mm
Ashoka Pillar Purple colour. Numeral 10 in thecentre.
Value of the note in14 languages. Theoval seascape withcountry craft.
1968 -do- -do- Blue-black colour. Promise clause,guarantee clause and signatureprinted in bilingual.
-do-
RBI’s name in Hindiadded.
1969 -do- -do- Blue Black colour. ‘Ten Rupees’instead of ‘Rupees Ten’.
Mahatma Gandhi’sPortrait.
1970 -do- Ashoka Pillarwith spinningwheels.
Hindi version of RBI incorporated inplace of English and vice versa. Hindirendering of Guarantee clause,promise clause and Governor’ssignature have been interchanged.स यमेव जयते incorporated.Watermark window and numberingpanel enlarged.
Bilingual sealincorporated
1975 -do- -do- Dark brown, umber and blue colour.Numeral ‘10’ printed in dark brown.Intaglio printing. Languages scroll onleft and Ashoka Pillar emblem on right.
Pale brown, Ochreblue and greencolour. A circle withtwo Peacocks onbranch of a tree.Deer, horses, bird andlotus.
1992 -do- -do- Overall colour scheme in pale pink,magenta and yellow
Shalimar garden
1996 -do- Portrait ofMahatmaGandhi withmultidirectional lines in thewatermarkwindow.
Overall colour scheme in mauvebrown, orange and pink. Portrait ofMahatma Gandhi. Embedded securitythread containing the words ž¸¸£÷¸ RBI’readable on both sides when heldagainst light.
Intricate guilloche andfloral patterns withprofiles of anelephant, rhinocerosand tiger’s faces.Value of note in 15Indian languages.
2006 -do- The portraitof Mahatma
Machine readable windoweddemetalised clear text magnetic
Year of printing isincorporated at the
Year Size Watermark Front BackGandhi, themultidirectional lines, andanelectrotypemark showingthedenominational numeral 10appear in thissection andthese can beviewed betterwhen thebanknote isheld againstlight.
security thread with inscriptions'Bharat' (in Hindi) and RBI whichfluoresces in yellow on both sidesunder UV light. (Generic).
Width: 1.4 mm
Dual coloured optical fibres.
The small floral design printed both onthe front (hollow) and back (filled up)of the note in the middle of the verticalband next to the Watermark has anaccurate back-to-back registration sothat the numeral appears as one whenseen against the light.
printing stage on thereverse of thebanknote.
II. Rs.20 notes
1972 147X63mm
Ashoka Pillar Saffron colour. Ashoka Pillar emblemon the right and language panel on theleft side.
Bold lettering in Hindiappears centrally in ahorizontal panel,flanked by figures 20at the corner. Pictureof Parliament House.On the left value inIndian languages.
1975 -do- Small AshokaPillar withchain ofspinningwheels.Resin treatedpaper
Red, blue, mauve and pale yellowcolour. Numerical 20 in dark mauve ona light yellow lotus shaped design.Language scroll on the left andAshoka Pillar emblem on right. Theprinting bleeds off on all sides but notin corners, which are paper white.Bilingual names, clauses andsignature.
Dry offset printing.Red, blue and mauvecolour. Chariot wheelof Konark Sun templeat the centre.Watermark window inpale blue issurrounded by anornamental design inperfect register withcorresponding designon obverse of thenote.
2001 -do- MahatmaGandhiPortrait
The security thread totally embeddedwith the letters "Bharat" (in Hindi) and"RBI" The colour is predominantlyreddish orange. The Ashoka Pillar hasbeen replaced by the MahatmaGandhi's Portrait in dark red while theAshoka Pillar has been shifted to theleft side bottom corner and the size is
The central themedepicts the Indiancoastal line withcoconut grooves. Thevalue of the noteappears in 15languages in avertical panel in the
Year Size Watermark Front Backsmaller. The numeral 20, RBI seal,Mahatma Gandhi's Portrait, RBILegend, Guarantee and Promiseclauses, Governor's Signature andAshoka Pillar inset are in intaglio. Thewords RBI and the numeral 20 inMicro letters appear alternativelybehind the Mahatma Gandhi's Portrait.An identification mark by way of asmall vertical rectangle in raised formappears on the left side of the note tofacilitate the visually impaired toidentify the denomination of the note.The numbers in the number panel areprinted in red.
left hand side.
2006 -do- The portraitof MahatmaGandhi, themultidirectional lines, andanelectrotypemark showingthedenominational numeral 20appear in thissection andthese can beviewed betterwhen thebanknote isheld againstlight
Machine readable windoweddemetalised clear text magneticsecurity thread with inscriptions'Bharat' (in Hindi) and RBI whichfluoresces in yellow on both sidesunder UV light (Generic).
Width: 1.4 mm
Dual coloured optical fibres.
The small floral design printed both onthe front (hollow) and back (filled up)of the note in the middle of the verticalband next to the Watermark has anaccurate back-to-back registration sothat the numeral appears as one whenseen against the light.
Year of printing isincorporated at theprinting stage on thereverse of thebanknote.
III. Rs.50 notes
1975 147X73
mm
Ashoka Pillarwith chain ofwheels.
Mauve colour with hues of blue greenand purple. Numeral 50 in dark brown.Language scroll on left and AshokaPillar emblem on right. Printingbleeds off on all sides except atcorners.
Mauve, brown andyellow colours.Parliament House atthe centre.Watermark window inpale mauve,surrounded by anornamental design,which is in perfectregister withcorresponding designon the obverse.
Year Size Watermark Front Back
1981 Do -do- Intaglio-fast blue, yellow red. AshokaPillar and languages in deep violetcolours, rest in deep green and browncolours. स यमेव जयते below AshokaPillar emblem.
Dry offset-yellowishbrown and body indeep purple colour.Parliament Housewith National flag ontop
1997 -do- Portrait ofMahatmaGandhi withmultidirectional lines in thewindow.
Yellow, blue and violet colour. AshokaPillar replaced by Mahatma GandhiPortrait in blue. Security thread totallyembedded inside the note the letters‘ž¸¸£÷¸’ and 'RBI’. A small black solidsquare on the left hand side of thewatermark to help the visuallyimpaired to identify the denominationof the note.
A panoramic view ofIndia’s ParliamentHouse with floralpatterns above andfiligree patterns on thesides. The value ofthe note in 15 Indianlanguages.
2005 -do- The portrait ofMahatmaGandhi, themultidirectionallines, and anelectrotypemark showingthedenominationalnumeral 50appear in thissection andthese can beviewed betterwhen thebanknote is heldagainst light
Machine readable windoweddemetalised clear text magneticsecurity thread with inscriptions`Bharat’ (in Hindi) and RBI whichfluoresces in yellow on both sidesunder U.V.light –width 1.4 mm.. TheIntaglio Printing i.e. raised prints ismore prominent in the name of theBank in Hindi and English, theReserve Bank Seal, guarantee andpromise clause, Ashoka Pillar Emblemon the left, RBI Governor’s signature.A square in intaglio on the left of thewatermark window with increaseddepth of engraving helps the visuallyimpaired to identify the denomination.Optical fibres are in dual colour. Thesmall floral design printed both on thefront (hollow) and back (filled up) ofthe banknote in the middle of thevertical band next to the watermarkwindow has an accurate back-to-backregistration so that the numeralappears as one when seen against thelight.
Year of printing isincorporated at theprinting stage on thereverse of thebanknote.
IV.Rs.100 notes
1967 157X73mm
Ashoka Pillar Blue colour. Numeral 100 appearsprominently in centre. Ashoka Pillaremblem on the right.
Vertical panel of 14Indian languages onleft. Hirakud Dam inthe background in acircular frame.
Year Size Watermark Front Back
1969 -do- -do- Blue colour and promise clause,Guarantee clause and Governor'ssignature in bilingual.
Picture of MahatmaGandhi in a sittingposture withSevagram Ashram inthe background in acircular frame.
1975 -do- Ashoka Pillarwith spinningwheels.
Intaglio deep blue with hues of blue,brown, pink and dark green. Numeral100 in dark blue. Watermark windowlight blue. RBI's name, promise clause,Guarantee clause and Governor'ssignature in bilingual. Language scrollon left and Ashoka Pillar emblem onright. Printing bleeds off on all sidesexcept at corners.
Intaglio deep blue andbrown shade of corn,agriculturaloperations, Teaplantation andhydroelectric powerproject. `Watermark’window is surroundedby an ornamentaldesign, which is inperfect register withsimilar design on theobverse.
1979 -do- -do- One side intaglio blue, red and deepgreen, Tints of reddish and yellowishgreen shade स यमेव जयते' belowAshoka Pillar emblem.
Dry-offset. Black andmaroon colours. Tintdesign in greenishblue and brownishshades.
1996 -do- Portrait ofMahatmaGandhi withmultidirectional lines in thewatermarkwindow.
Printed with the combination of offsetand intaglio process. overall colour ispredominantly blue, grey and green.Portrait of Mahatma Gandhi. Awindowed security thread partly visiblefrom the front but totally embeddedinside. Letters `ž¸¸£÷¸’ and ‘RBI’ printedon the thread.
A small black solid triangle in intaglioon left hand side of the watermark tohelp the visually impaired to identifythe denomination of the note.
Central theme depictsa panoramic view ofthe Kanchangungarange with floralpatterns above andfiligree patterns on thesides. The value ofnote appears in 15languages on the lefthand side.
2005 -do- The portrait ofMahatma
Machine-readable windoweddemetalised clear text magnetic
Year of printing isincorporated at the
Year Size Watermark Front BackGandhi, themultidirectionallines, and anelectrotypemark showingthedenominational numeral 100appear in thissection andthese can beviewed betterwhen thebanknote isheld againstlight.
security thread with inscriptions`Bharat’ (in Hindi) and RBI on notes ofRs.100 with exclusive colour shift.Colour of the thread shall shift fromgreen to blue when viewed fromdifferent angles. It will fluoresce inyellow on the reverse and the text willfluoresce on the obverse underU.V.light –width – 2 m.m.
The Intaglio Printing i.e. raised prints ismore prominent in the name of theBank in Hindi and English, theReserve Bank Seal, guarantee andpromise clause, Ashoka Pillar Emblemon the left, RBI Governor’s signature.A triangle in intaglio on the left of thewatermark window with increaseddepth of engraving helps the visuallyimpaired to identify the denomination.Optical fibres are in dual colour. Thesmall floral design printed both on thefront (hollow) and back(filled up) of thebanknote in the middle of the verticalband next to the watermark windowhas an accurate back to backregistration so that the numeralappears as one when seen against thelight.
printing stage on thereverse of thebanknote.
V. Rs.500 notes
1987 167X73mm
Ashoka Pillarwith spinningwheels.
Printed by dry offset and intaglioprocess. Background colours inpeacock blue, ochre and green.Portrait of Mahatma Gandhi, AshokaPillar emblem, Promise clause &language panel are printed in intaglio.Five black horizontal relief lines inintaglio on the left side of thewatermark to help the visuallyimpaired to identify the denominationof the note.
Background showingrising sun.Background colours indeep green, orangeand sky blue.Mahatma Gandhileading a group ofpeople.
Year Size Watermark Front Back
1997 -do- Portrait ofMahatmaGandhi withthemultidirectional lines in thewatermarkwindow.
Printed by offset and intaglio process.Colour scheme is predominantly inyellow, green, mauve and brown.Mahatma Gandhi’s portrait is darkbrown in colour. Mahatma Gandhi'sportrait, RBI legend guarantee andpromise clauses, Ashoka Pillar insetand Governor’s signature are inintaglio. A windowed security thread,partly visible from the front but totallyembedded inside. Letters ž¸¸£÷¸ andRBI are printed on the thread. Greenvertical band behind the MahatmaGandhi portrait where latent image of500 is printed. A small black solidcircle in intaglio on the left hand side ofthe watermark to help the visuallyimpaired to identify the denominationof the note.
Mahatma Gandhileading a group ofpeople in browncolour with floralpatterns appearingabove and filigreepatterns on each sideof this theme. Avertical panel of 15languages appear onthe left. All the abovefeatures are inintaglio.
2000 -do- -do- The colours are predominantly mildyellow, mauve and brown. MahatmaGandhi’s portrait is in light brown.Numeral 500 printed in OpticallyVariable Ink (OVI) in Green to Bluecolour shift. Except these changes,other designs are same as of 1997series notes.
The design is thesame as is on the1997 series note.
Year Size Watermark Front Back
2005 -do- The portrait ofMahatmaGandhi, themultidirectionallines, and anelectrotypemark showingthedenominational numeral 500appear in thissection andthese can beviewed betterwhen thebanknote isheld againstlight.
Machine-readable windoweddemetalised clear text magneticsecurity thread with inscriptions`Bharat’ (in Hindi) and RBI on notes ofRs.500 with exclusive colour shift.Colour of the thread shall shift fromgreen to blue when viewed fromdifferent angles. It will fluoresce inyellow on the reverse and the text willfluoresce on the obverse underU.V.light –width – 3 m.m. The IntaglioPrinting i.e. raised prints is moreprominent in the name of the Bank inHindi and English, the Reserve BankSeal, guarantee and promise clause,Ashoka Pillar Emblem on the left, RBIGovernor’s signature. A circle inintaglio on the left of the watermarkwindow with increased depth ofengraving helps the visually impairedto identify the denomination. Opticalfibres are in dual colour. The smallfloral design printed both on the front(hollow) and back(filled up) of thebanknote in the middle of the verticalband next to the watermark windowhas an accurate back to backregistration so that the numeralappears as one when seen against thelight.
Year of printing isincorporated at theprinting stage on thereverse of thebanknote.
VI. Rs.1000/- notes
2000 177X73mm
Portrait ofMahatmaGandhi withmultidirectional lines in thewatermarkwindow.
Colour is generally pink (light peachcolour with grey offset background).Mahatma Gandhi’s portrait is brown incolour. Mahatma Gandhi’s portrait,numeral 1000, एक हजार पये, RBIseal, RBI legend, guarantee andpromise clause, Governor’s signatureare in intaglio printing. Left handnumber panel in red colour and righthand number panel in blue colour.Numeral 1000 printed in Optically
The theme depicts theoverall developmentof the Indian economyin three-colourintaglio. The 15-language panel is onthe left side.
Year Size Watermark Front BackVariable Ink (OVI) in Green to Bluecolour shift. Optically variable (colourshifting) windowed security thread withmagnetic property and containing text`ž¸¸£÷¸ 1000 RBI'. Green vertical bandbehind the Mahatma Gandhi portraitwhere latent image of 1000 is printed.A small black solid diamond shapemark in intaglio on the left hand side ofthe watermark to help the visuallyimpaired to identify the denominationof the note.
2005 - do - The portrait ofMahatmaGandhi, themultidirectionallines, and anelectrotypemark showingthedenominational numeral 1000appear in thissection andthese can beviewed betterwhen thebanknote isheld againstlight
Machine-readable windoweddemetalised clear text magneticsecurity thread with inscriptions`Bharat’ (in Hindi) and RBI on notes ofRs.1000 with exclusive colour shift.Colour of the thread shall shift fromgreen to blue when viewed fromdifferent angles. It will fluoresce inyellow on the reverse and the text willfluoresce on the obverse underU.V.light –width – 3 m.m. The IntaglioPrinting i.e. raised prints is moreprominent in the name of the Bank inHindi and English, the Reserve BankSeal, guarantee and promise clause,Ashoka Pillar Emblem on the left, RBIGovernor’s signature. A diamond inintaglio on the left of the watermarkwindow with increased depth ofengraving helps the visually impairedto identify the denomination. Opticalfibres are in dual colour. The smallfloral design printed both on the front(hollow) and back(filled up) of thebanknote in the middle of the verticalband next to the watermark windowhas an accurate back to backregistration so that the numeralappears as one when seen against thelight.
Year of printing isincorporated at theprinting stage on thereverse of thebanknote.