Know Your Currency

State Bank Learning Centre, Purnea
For internal circulation only
KNOW YOUR CURRENCY
Compiled by: Pronob Kumar Sarkar, Manager (Training) State Bank Learning Centre, Purnra e-mail pronob.sarkar@sbi.co.in
CONTENTS
Chapter 1. 2.
Subject Security features of Indian Bank Notes Reporting of currency chest transactions and penal interest for delayed reporting /wrong reporting / non reporting of currency chest transaction Facility for exchange of notes and coins at bank branches Detection and impounding of counterfeit notes
Page 2-14 15-16
3. 4.
17-20 21-30
-------------------------------------------------------------------------------------------------------------------------------------Page 1 of 29 Compiled by: Pronob Kumar Sarkar, Manager (Training)
SECURITY FEATURES OF INDIAN BANK NOTES
Watermark The Mahatma Gandhi Series of banknotes contain the Mahatma Gandhi watermark with a light and shade effect and multi-directional lines in the watermark window.
Security Rs.1000 notes introduced in October 2000 contain a readable, windowed security thread alternately visible on the obverse with the inscriptions Bharat (in Hindi), 1000 and RBI, but totally embedded on the reverse. The Rs.500 and Rs.100 notes have a security thread with similar visible features and inscription Bharat (in Hindi), and RBI. When held against the light, the security thread on Rs.1000, Rs.500 and Rs.100 can be seen as one continuous line. The Rs.5, Rs.10, Rs.20 and Rs.50 notes contain a readable, fully embedded windowed security thread with the inscription Bharat (in Hindi), and RBI. The security thread appears to the left of the Mahatma's portrait. Notes issued prior to the introduction of the Mahatma Gandhi Series have a plain, nonreadable fully embedded security thread. Latent Image
Thread
On the obverse side of Rs.1000, Rs.500, Rs.100, Rs.50 and Rs.20 notes, a vertical band on the right side of the Mahatma Gandhis portrait contains a latent image showing the respective denominational value in numeral. The latent image is visible only when the note is held horizontally at eye level. Microlettering This feature appears between the vertical band and Mahatma Gandhi portrait. It contains the word RBI in Rs.5 and Rs.10. The notes of Rs.20 and above also contain the denominational value of the notes in microletters. This feature can be seen better under a magnifying glass.
Intaglio Printing The portrait of Mahatma Gandhi, the Reserve Bank seal, guarantee and promise clause, Ashoka Pillar Emblem on the left, RBI Governor's signature are printed in intaglio i.e. in raised prints, which can be felt by touch, in Rs.20, Rs.50, Rs.100, Rs.500 and Rs.1000 notes. Identification Mark A special feature in intaglio has been introduced on the left of the watermark window on all notes except Rs.10/- note. This feature is in different shapes for various denominations (Rs. 20-Vertical Rectangle, Rs.50-Square, Rs.100-Triangle, Rs.500-Circle, Rs.1000-Diamond) and helps the visually impaired to identify the denomination. Fluorescence Number panels of the notes are printed in fluorescent ink. The notes also have optical fibres. Both can be seen when the notes are exposed to ultra-violet lamp. Optically Variable Ink This is a new security feature incorporated in the Rs.1000 and Rs.500 notes with revised colour scheme introduced in November 2000. The numeral 1000 and 500 on the obverse of Rs.1000 and Rs.500 notes respectively is printed in optically variable ink viz., a colour-shifting ink. The colour of the numeral 1000/500 appears green when the note is held flat but would change to blue when the note is held at an angle. See through Register The small floral design printed both on the front (hollow) and back (filled up) of the note in the middle of the vertical band next to the Watermark has an accurate back to back registration. The design will appear as one floral design when seen against the light. Legal provisions against counterfeiting Printing and circulation of forged notes are offences under Sections 489A to 489E of the Indian Penal Code and are punishable in the courts of law by fine or imprisonment or both Contemporary Currency notes have 15 languages on the panel which appear on the reverse of the note.
Illustration
Designs of Banknotes Issued by the Reserve Bank of India Since 1967 Year Size Watermark Front Back
I. Rs.10 notes 1967 137x63m m Ashoka Pillar Purple colour. Numeral 10 in the centre. Value of the note in 14 languages. The oval seascape with country craft. Value of the note in 14 languages. The oval seascape with country craft. RBIs name in Hindi added. 1968 137x63m m Ashoka Pillar Blue Black colour. Ten Rupees instead of Rupees Ten. Mahatma Portrait. Gandhis
1968
137x63m m
Ashoka Pillar
Blue-black colour. Promise clause, guarantee clause and signature printed in bilingual.
1970
137x63m m
Ashoka Pillar with spinning wheels.
Hindi version of RBI incorporated in place of English and vice versa. Hindi rendering of Guarantee clause, promise clause and Governors signature
Bilingual incorporated
seal

have been interchanged.(satmey jayte in Hindi) ' incorporated. Watermark window and numbering panel enlarged. 1975 137x63m m Ashoka Pillar with spinning wheels. Dark brown, umber and blue colour. Numeral 10 printed in dark brown. Intaglio printing. Languages scroll on left and Ashoka Pillar emblem on right. Pale brown, Ochre blue and green colour. A circle with two Peacocks on branch of a tree. Deer, horses, bird and lotus. Shalimar garden
1992
137x63m m
Ashoka Pillar with spinning wheels. Portrait of Mahatma Gandhi with multidirection al lines in the watermark window.
Overall colour scheme in pale pink, magenta and yellow
1996
137x63m m
Overall colour scheme in mauve brown, orange and pink. Portrait of Mahatma Gandhi. Embedded security thread containing the words (bharat in hindi) '' RBI readable on both sides when held against light. Machine readable windowed demetalised clear text magnetic security thread with inscriptions 'Bharat' (in Hindi) and RBI which fluoresces in yellow on both sides under UV light. (Generic). Width: 1.4 mm Dual coloured optical fibres. The small floral design printed both on the front (hollow) and back (filled up) of the note in the middle of the vertical band next to the Watermark has an accurate back-to-back registration so that the numeral appears as one when seen against the light.
Intricate guilloche and floral patterns with profiles of an elephant, rhinoceros and tigers faces. Value of note in 15 Indian languages.
2006
137x63m m
The portrait of Mahatma Gandhi, the multidirection al lines, and an electrotype mark showing the denomination al numeral10 appear in this section and these can be viewed better when the banknote is held against light.
Year of printing is incorporated at the printing stage on the reverse of the banknote.
II. Rs.20 notes 1972 147X63m m Ashoka Pillar Saffron colour. Ashoka Pillar emblem on the right and language panel on the left side. Bold lettering in Hindi appears centrally in a horizontal panel, flanked by figures 20 at the corner. Picture

at the corner. Picture of Parliament House. On the left value in Indian languages 1975 147X63m m Small Ashoka Pillar with chain of spinning wheels. Resin treated paper Red, blue, mauve and pale yellow colour. Numerical 20 in dark mauve on a light yellow lotus shaped design. Language scroll on the left and Ashoka Pillar emblem on right. The printing bleeds off on all sides but not in corners, which are paper white. Bilingual names, signature. clauses and Dry offset printing. Red, blue and mauve colour. Chariot wheel of Konark Sun temple at the centre. Watermark window in pale blue is surrounded by an ornamental design in perfect register with corresponding design on obverse of the note.
2001
147X63m m
Mahatma Gandhi Portrait
The security thread totally embedded with the letters "Bharat" (in Hindi) and "RBI" The colour is reddish orange. predominantly
The Ashoka Pillar has been replaced by the Mahatma Gandhi's Portrait in dark red while the Ashoka Pillar has been shifted to the left side bottom corner and the size is smaller. The numeral 20, RBI seal, Mahatma Gandhi's Portrait, RBI Legend, Guarantee and Promise clauses, Governor's Signature and Ashoka Pillar inset are in intaglio. The words RBI and the numeral 20 in Micro letters appear alternatively behind the Mahatma Gandhi's Portrait. An identification mark by way of a small vertical rectangle in raised form appears on the left side of the note to facilitate the visually impaired to identify the denomination of the note. The numbers in the number panel
The central theme depicts the Indian coastal line with coconut grooves. The value of the note appears in 15 languages in a vertical panel in the left hand side.

are printed in red. 2006 147X63m m The portrait of Mahatma Gandhi, the multidirection al lines, and an electrotype mark showing the denomination al numeral 20 appear in this section and these can be viewed better when the bank note is held against light. Ashoka Pillar with chain of wheels. Machine readable windowed demetalised clear text magnetic security thread with inscriptions 'Bharat' (in Hindi) and RBI which fluoresces in yellow on both sides under UV light. (Generic). Width: 1.4 mm. Dual coloured optical fibres. The small floral design printed both on the front (hollow) and back (filled up) of the note in the middle of the vertical band next to the Watermark has an accurate back-to-back registration so that the numeral appears as one when seen against the light. Year of printing is incorporated at the printing stage on the reverse of the banknote.
III. Rs.50 notes 1975 147X73m m Mauve colour with hues of blue green and purple. Numeral 50 in dark brown. Language scroll on left and Ashoka Pillar emblem on right. Printing bleeds off on all sides except at corners. Mauve, brown and yellow colours. Parliament House at the centre. Watermark window in pale mauve, surrounded by an ornamental design, which is in perfect register with corresponding design on the obverse. Dry offset-yellowish brown and body in deep purple colour. Parliament House with National flag on top
1981
147X73m m
Ashoka Pillar with chain of wheels.
Intaglio-fast blue, yellow red. Ashoka Pillar and languages in deep violet colours, rest in deep green and brown colours. (satmey jayte in hindi) ' below Ashoka Pillar emblem. Yellow, blue and violet colour. Ashoka Pillar replaced by Mahatma Gandhi Portrait in blue. Security thread totally embedded inside the note the letters (bharat in Hindi) '' and 'RBI. A small black solid square on the left hand side of the watermark
1997
147X73m m
Portrait of Mahatma Gandhi with multidirection al lines in the window.
A panoramic view of Indias Parliament House with floral patterns above and filigree patterns on the sides. The value of the note in 15 Indian languages.

to help the visually impaired to identify the denomination of the note. 2005 147X73m m The portraitof Mahatma Gandhi, the multidirection al lines, and an electrotype mark showing the denomination al numeral50 appear in this section and these can be viewed better when the bank note is held against light Machine readable windowed demetalised clear text magnetic security thread with inscriptions `Bharat (in Hindi) and RBI which fluoresces in yellow on both sides under U.V. light width 1.4 mm. The Intaglio Printing i.e. raised prints more prominent in the name of the Bank in Hindi and English, the Reserve Bank Seal, guarantee and promise clause, Ashoka Pillar Emblem on the left, RBI Governors signature. A square in intaglio on the left of the watermark window with increased depth of engraving helps the visually impaired to identify the denomination. Optical fibres are in dual colour. The small floral design printed both on the front (hollow) and back (filled up) of the banknote in the middle of the vertical band next to the watermark window has an accurate back-to-back registration so that the numeral appears as one when seen against the light. IV.Rs.100 notes 1967 157X73m m Ashoka Pillar Blue colour. Numeral 100 appears prominently in centre. Ashoka Pillar emblem on the right. Vertical panel of 14 Indian languages on left. Hirakud Dam in the background in a circular frame. Year of printing is incorporated at the printing stage on the reverse of the banknote.
1969
157X73m m
Ashoka Pillar
Blue colour and promise clause, Guarantee clause and Governor's signature in bilingual.
Picture of Mahatma Gandhi in a sitting posture with Sevagram Ashram in the background in a circular frame. Intaglio deep blue and brown shade of corn,
1975
157X73m m
Ashoka Pillar with spinning
Intaglio deep blue with hues of blue, brown, pink and dark

wheels. green. Numeral 100 in dark blue. Watermark window light blue. RBI's name, promise clause, Guarantee clause and Governor's signature in bilingual. Language scroll on left and Ashoka Pillar emblem on right. Printing bleeds off on all sides except at corners. 1979 157X73m m Ashoka Pillar with spinning wheels. One side intaglio blue, red and deep green, Tints of reddish and yellowish green shade. (Satmey in jayte in hindi) ' below Ashoka Pillar emblem. Printed with the combination of offset and intaglio process. Overall colour is predominantly blue, grey and green. Portrait of Mahatma Gandhi. A windowed security thread partly visible from the front but totally embedded inside. Letters (bharat in hindi) '' and RBI printed on the thread. A small black solid triangle in intaglio on left hand side of the watermark to help the visually impaired to identify the denomination of the note. 2005 157X73m m The portrait of Mahatma Gandhi, the multidirection al lines, and an electrotype mark showing the denomination al numeral100 appear in this section and these can be viewed better Machine-readable windowed demetalised clear text magnetic security thread with inscriptions `Bharat (in Hindi) and RBI on notes of Rs.100 with exclusive colour shift. Colour of the thread shall shift from green to blue when viewed from different angles. It will fluoresce in yellow on the reverse and the text will fluoresce on the obverse under U.V.light width 2 mm. The Intaglio Printing i.e. raised prints is more prominent in the agricultural operations, Tea plantation and hydroelectric power project. `Watermark window is surrounded by an ornamental design, which is in perfect register with similar design on the obverse. Dry-offset. Black and maroon colours. Tint design in greenish blue and brownish shades.
1996
157X73m m
Portrait of Mahatma Gandhi with multidirection al lines in the watermark window.
Central theme depicts a panoramic view of the Kanchangunga range with floral patterns above and filigree patterns on the sides. The value of note appears in 15 languages on the left hand side.
Year of printing is incorporated at the printing stage on the reverse of the banknote.

when the banknote is held against light. name of the Bank in Hindi and English, the Reserve Bank Seal, guarantee and promise clause, Ashoka Pillar Emblem on the left, RBI Governors signature. A triangle in intaglio on the left of the watermark window with increased depth of engraving helps the visually impaired to identify the denomination. Optical fibres are in dual colour. The small floral design printed both on the front (hollow) and back(filled up) of the banknote in the middle of the vertical band next to the watermark window has an accurate back to back registration so that the numeral appears as one when seen against the light. V. Rs.500 notes 1987 167X73m m Ashoka Pillar with spinning wheels. Printed by dry offset and intaglio process. Background colours in peacock blue, ochre and green. Portrait of Mahatma Gandhi, Ashoka Pillar emblem, Promise clause & language panel are printed in intaglio. Five black horizontal relief lines in intaglio on the left side of the watermark to help the visually impaired to identify the denomination of the note. 1997 167X73m m Portrait of Mahatma Gandhi with the multidirection al lines in the watermark window. Printed by offset and intaglio process. Colour scheme is predominantly in yellow, green, mauve and brown. Mahatma Gandhis portrait is dark brown in colour. Mahatma Gandhi's portrait, RBI legend, guarantee and promise clauses, Ashoka Pillar inset and Governors signature are in intaglio. A windowed security thread, partly visible from the front but totally embedded inside. Mahatma Gandhi leading a group of people in brown colour with floral patterns appearing above and filigree patterns on each side of this theme. A vertical panel of 15 languages appear on the left. All the above features are in intaglio. Background showing rising sun. Background colours in deep green, orange and sky blue. Mahatma Gandhi leading a group of people.

Letters(bharat in hindi) '' and RBI are printed on the thread. Green vertical band behind the Mahatma Gandhi portrait where latent image of 500 is printed. A small black solid circle in intaglio on the left hand side of the watermark to help the visually impaired to identify the denomination of the note. 2000 167X73m m Portrait of Mahatma Gandhi with the multidirection al lines in the watermark window. The colours are predominantly mild yellow, mauve and brown. Mahatma Gandhis portrait is in light brown. Numeral 500 printed in Optically Variable Ink (OVI) in Green to Blue colour shift. Except these changes, other designs are same as of 1997 series notes. 2005 167X73m m The portrait of Mahatma Gandhi, the multidirection al lines, and an electrotype mark showing the denomination al numeral500 appear in this section and these can be viewed better when the bank note is held against light. Machine-readable windowed demetalised clear text magnetic security thread with inscriptions `Bharat (in Hindi) and RBI on notes of Rs.500 with exclusive colour shift. Colour of the thread shall shift from green to blue when viewed from different angles. It will fluoresce in yellow on the reverse and the text will fluoresce on the obverse under U.V.light width 3mm. The Intaglio Printing i.e. raised prints is more prominent in the name of the Bank in Hindi and English, the Reserve Bank Seal, guarantee and promise clause, Ashoka Pillar Emblem on the left, RBI Governors signature. A circle in intaglio on the left of the watermark window with increased depth of engraving helps the visually impaired to identify the denomination. Optical fibres are in dual colour. Year of printing is incorporated at the printing stage on the reverse of the banknote. The design is same as is on 1997 series note. the the

The small floral design printed both on the front (hollow) and back(filled up) of the banknote in the middle of the vertical band next to the watermark window has an accurate back to back registration so that the numeral appears as one when seen against the light. VI. Rs.1000/- notes 2000 177X73m m Portrait of Mahatma Gandhi with multidirection al lines in the watermark window. Colour is generally pink (light peach colour with grey offset background). Mahatma Gandhis portrait is brown in colour. Mahatma Gandhis portrait, numeral 1000, (ek hjar rupye in hindi) , RBI seal, RBI legend, guarantee and promise clause, Governors signature are in intaglio printing. Left hand number panel in red colour and right hand number panel in blue colour. Numeral 1000 printed in Optically Variable Ink (OVI) in Green to Blue colour shift. Optically variable (colour shifting) windowed security thread with magnetic property and containing text (bharat in hindi) ''1000 RBI'. Green vertical band behind the Mahatma Gandhi portrait where latent image of 1000 is printed. A small black solid diamond shape mark in intaglio on the left hand side of the watermark to help the visually impaired to identify the denomination of the note. 2005 177X73m m The portrait of Mahatma Gandhi, the multidirection al lines, and an Machine-readable windowed demetalised clear text magnetic security thread with inscriptions `Bharat (in Hindi) and RBI on notes of Rs.1000 with exclusive colour shift. Year of printing is incorporated at the printing stage on the reverse of the banknote. The theme depicts the overall development of the Indian economy in three-colour intaglio. The 15language panel is on the left side.

electrotype mark showing the denomination al numeral 1000appear in this section and these can be viewed better when the banknote is held against light. Colour of the thread shall shift from green to blue when viewed from different angles. It will fluoresce in yellow on the reverse and the text will fluoresce on the obverse under U.V. light width 3mm. The Intaglio Printing i.e. raised prints is more prominent in the name of the Bank in Hindi and English, the Reserve Bank Seal, guarantee and promise clause, Ashoka Pillar Emblem on the left, RBI Governors signature. A diamond in intaglio on the left of the watermark window with increased depth of engraving helps the visually impaired to identify the denomination. Optical fibres are in dual colour. The small floral design printed both on the front (hollow) and back(filled up) of the banknote in the middle of the vertical band next to the watermark window has an accurate back to back registration so that the numeral appears as one when seen against the light.

REPORTING OF CURRENCY CHEST TRANSACTIONS AND PENAL INTEREST FOR DELAYED REPORING / WRONG REPORTING / NON REPORTING OF CURRENCY CHEST TRANSACTIONS Reporting of Currency Chest Transactions The minimum amount of deposit into/withdrawal from currency chest will be Rs.1,00,000/- and thereafter, in multiples of Rs.50, 000/-. Time limit for Reporting i) The currency chests should invariably report all transactions through ICCOMS on the same day by 9 PM by uploading data through the Secured Website (SWS) to their respective link offices. Link offices should invariably report the consolidated position to the Issue Offices latest by 11 PM on the same day. ii) The Sub-Treasury Offices should report all transactions directly to the Issue Office of the Reserve Bank by 11 PM on the same day. Relaxation in respect of strike period in banks Relaxation in the reporting period on account of general/specific strike situation will be considered on case-to-case basis. Levy of penal interest for delays i) In the event of delay in reporting currency chest transactions, penal interest at the rate indicated in paragraph 3 of this circular will be levied on the amount due from the chest holding bank for the period of delay. Penal interest will be calculated on T+0 basis i.e. penal interest will be levied in respect of transactions not reported by Link Office to the Issue Office by 11 PM on the same business day. However, Reserve Bank may at its discretion grant appropriate grace period in the matter of levy of penal interest. ii) Penal interest will also be charged for delay in submission of chest slips in the case of single chest / STOs directly linked to Issue Department of the circle. Wrong reporting and levy of penal interest Penal interest will be levied in respect of all cases of wrong reporting in the same manner till the date of receipt of corrected advice by Reserve Bank. As debits/credits to banks' current accounts are raised on the basis of the figures reported in the Link Office Statements, penal interest will invariably be levied in all cases of wrong reporting in the Link Office Statements even if the reporting was done correctly in the chest slips. It is expected that Link Offices would ensure the correctness of figures reported by the respective currency chests. Particular care should be taken to ensure that remittances of fresh notes/notes to the currency chests are not reported as 'deposit' transactions in the Link Office Statements. Maximum penal interest to be charged There is no stipulation regarding the maximum amount of penal interest leviable for wrong/delayed reporting. As the intention is to ensure timely and correct reporting of chest transactions, penal interest will be recovered in all applicable cases, irrespective of the amount of the transaction concerned/amount of penal interest subject to rounding off the penal interest amount to the nearest Rupee. Penal interest for inclusion of ineligible amounts in the currency chest balances a) Penal interest will be levied in all cases where the bank has enjoyed 'ineligible' credit in its current account with Reserve Bank on account of wrong reporting / delayed reporting/nonreporting of transactions.

b) Further, only cash held in the custody of joint custodians and 'freely available' to them is eligible for inclusion in the chest balances. Thus, cash kept for safe custody in sealed covers for whatever reasons/cash in trunks/bins under the lock and key of any official/s other than the Joint Custodians or bearing a third lock put by any official in addition to the two locks of the Joint Custodians is not eligible for being included in the chest balances. If such amounts are included in the chest balances, these will be treated as instances of wrong reporting and will attract penal interest. c) In the above cases penal interest will be levied from the date of inclusion of 'ineligible' amounts in chest balances till the exclusion of such amounts from chest balances. Rate of penal interest Penal interest shall be levied at the rate of 2% over the prevailing Bank Rate for the period of delayed reporting/wrong reporting/non-reporting /inclusion of ineligible mounts in chest balances. Levy of penal interest in respect of currency chests at treasuries The above instructions shall be applicable to currency chests at treasury/sub-treasury offices also. Representations a) As the sole criterion for levy of penal interest for delayed reporting is the number of days of delay, there should ordinarily be no occasion for banks to request for reconsideration of the Reserve Bank's decision in individual cases. However, representations, if any, on account of genuine difficulties faced by chests especially in hilly/remote areas and those affected by natural calamities, etc., may be made to the Issue Office concerned. b) In the case of wrong reporting representations for waiver will not be considered. {cf. para 1(e) above}. c) As the intention behind the levy of penal interest is to inculcate discipline among banks so as to ensure prompt/correct reporting, pleas by banks for waiver of penal interest on grounds that delayed/wrong/non-reporting did not result in utilization of the Reserve Bank's funds or shortfall in the maintenance of CRR/SLR or that they were the result of clerical mistakes, unintentional or arithmetical errors, first time error, inexperience of staff etc., will not be considered as valid grounds for waiver of penal interest.

FACILITY FOR EXCHANGE OF NOTES AND COINS AT BANK BRANCHES (a) All branches of banks in all parts of the country should provide the following customer services, more actively and vigorously to the members of public so that there is no need for them to approach the RBI Regional Offices only for this purpose: i. meeting the demands for fresh / good quality notes and coins of all denominations, ii. exchanging soiled notes, and iii. accepting coins and notes either for transactions or exchange. (b) All the designated bank branches should provide facility for exchange of damaged / mutilated notes. The names and addresses of such bank branches are available the respective banks. Availability of such facilities at the branches should be published for information of the public at large. (c) None of the bank branches / staff should refuse to accept small denomination notes and / or coins tendered at their counters. Reserve Bank of India (Note Refund) Rules, 2009 Delegation of full powers (a) In terms of Section 28 read with Section 58 (2) of Reserve Bank of India Act, 1934, no person is entitled as a right to recover from the Government of India or RBI the value of any lost, stolen, mutilated or imperfect currency note of the GOI or banknote. However, with a view to mitigating the hardship to the public in genuine cases, it has been provided that the RBI may, with the previous sanction of the Central Government, prescribe the circumstances in, and the conditions and limitations subject to which, the value of such currency notes or banknotes may be refunded as a matter of grace. (b) With a view to extending the facility for the benefit and convenience of public, designated branches of banks have been delegated powers under Reserve Bank of India (Note Refund) Rules, 2009 for exchange of torn / mutilated / defective notes free of cost. For the present, the currency chest branches are the designated branches, for this purpose. Liberalised definition of Cut Notes In order to facilitate quicker exchange facilities, the following types of soiled and cut notes should be freely exchanged by all bank branches. They should also be accepted over bank counters in payment of Government dues and for credit of accounts of the public maintained with banks. I. Single numbered notes Re.1/-, Rs.2/- & Rs.5/Note presented should not be in more than two pieces. No essential feature of the note should be missing. Both the pieces should be of the same note. II. Double numbered notesRs.10/-,Rs.20/-,Rs.50/-,Rs.100/-,Rs.500/-& Rs.1000/-

The note presented should not be in more than two pieces. No essential feature of the note should be missing. Both the pieces should be of the same note. The above types of notes will be treated as soiled notes and be kept along with soiled notes. These unfit notes shall, in no case, be issued to the public as reissuable notes but shall be deposited in currency chests for onward transmission to RBI offices as chest remittances. Mutilated Notes Presentation and Passing A mutilated note is a note of which a portion is missing or which is composed of more than two pieces. Mutilated notes may be presented either at designated bank branches of commercial banks. Mutilated notes so presented may be passed as per the Rules framed under Reserve Bank of India (Note Refund) Rules2009. Extremely brittle, burnt, charred, stuck up Notes Notes which have turned extremely brittle or badly burnt, charred or inseparably stuck up together and, therefore, cannot withstand normal handling, shall not be accepted by the branches for exchange. Instead, the holders may be advised to tender these notes to the concerned Issue Office where they will be adjudicated under a Special Procedure. Notes bearing "PAY"/"PAID" "REJECT" stamps Every Officer-in-charge of the branch, i.e. the Branch Manager and every Officer-incharge of the Accounts or Cash Wing of the Branch shall act as 'Prescribed Officer' in each designated branch to adjudicate the notes received at the branch for exchange in accordance with Reserve Bank of India (Note Refund) Rules, 2009After adjudicating mutilated notes, the Prescribed Officer is required to record his order by subscribing his initials to the dated 'PAY'/ 'PAID'/ 'REJECT' stamp. The 'PAY' & 'REJECT' stamps should also carry the name of the bank and branch concerned. Defective notes bearing 'PAY'/'PAID' (or 'REJECT') stamp of any RBI Issue Office or any bank branch, if presented for payment again at any of the designated bank branches should be rejected under Rule 6(2) of Reserve Bank of India (Note Refund) Rules, 2009and the tenderer should be advised that the value of such (defective) note/s cannot be paid since the same has already been paid as is evident from the PAY/PAID stamps affixed on it/them. All bank branches have instructions not to issue notes bearing PAY/PAID stamps to the public even through oversight. The branches should caution their customers not to accept such notes from any bank or anybody else. Notes bearing slogans / political messages, etc. Any note with slogans and message of a political nature written across it ceases to be a legal tender and the claim on such a note will be rejected under Rule 6(3)(iii) of Reserve Bank of India (Note Refund) Rules, 2009 Similarly, notes which are disfigured may also be rejected under Rule 6(3)(iii) of Reserve Bank of India (Note Refund) Rules, 2009 Deliberately cut notes The notes, which are found to be deliberately cut or tampered with, if presented for payment of exchange value should be rejected under Rule 6(3)(ii) of the Reserve Bank of India (Note Refund) Rules, 2009 Although it is not possible to precisely define deliberately cut , a close look at such notes will clearly reveal any deliberate fraudulent intention, as the manner in which such notes are mutilated will follow a broad uniformity in the shape / location of missing portions of the notes, especially when the notes are tendered in large numbers. The details of the case such as the name of the tenderer, the number of notes tendered and their denominations should be reported thereafter to the Deputy/General Manager, Issue Department, under whose jurisdiction the branch falls. The matter should also be reported to local police in case a large number of such notes are tendered.

Training RBIs Issue Offices conduct training programmes for 'Prescribed Officers' of designated bank branches on a priority basis. As the training programmes are intended to provide knowledge and instil confidence in the Prescribed Officers in the process of adjudication of defective notes, it is imperative that the Prescribed Officers of the branches are deputed for such programmes. Display of Notice Board All designated bank branches are required to display at their branch premises, at a prominent place, a board indicating the availability of note exchange facility with the legend, "MUTILATED NOTES ARE ACCEPTED AND EXCHANGED HERE". Banks should ensure that all their designated branches provide facilities for exchange of notes and coins. The branches should ensure that the note exchange facility is not cornered by private money changers / professional dealers in defective notes. Disposal of notes adjudicated at designated branches Regarding audit of the notes adjudicated by designated bank branches, the full value paid notes have to be remitted by designated branches to the Issue Office together with the next soiled note remittance in the manner already laid down. The half value paid notes and rejected notes, which are held by the designated bank branches in its cash balance, may either be remitted separately packed together with the full value paid notes or sent by registered and insured post as and when required. The full value paid notes will be treated as chest remittance by the Issue Office while the half value paid notes and rejected notes will be treated as notes tendered for adjudication and processed accordingly. All designated bank branches are required to submit to our Issue Offices a monthly statement showing the number of notes adjudicated by them. Agreement between RBI and commercial banks (i) (ii) (iii) The bank branches should accept coins in exchange of notes. They should accept coins of all denominations from any member of public without any restriction and pay the value in notes. They should use counting machines or accept coins by weight for large receipts, as hitherto.
Withdrawn Coins (i) Considering that aluminium coins of 5 paise, 10 paise, 20 paise, aluminum-bronze coins of 10 paise, stainless steel coins of 10 paise, cupronickel coins of 25 paise, 50 paise and rupee one denominations are being withdrawn and remitted to the mints, customers may be requested, and not insisted, to pack each of these denominations separately and also metal-wise with 100 coins in each sachet before they are tendered at the counters. Similar arrangements may also be made for acceptance of current coins of 25 paise, 50 paise and one rupee of stainless steel and two rupees and five rupees coins of cupronickel. In case of large variations of weight, counting machines may be used. (ii) In order to obviate the problem of storage of coins at the branches, aluminum coins of 5 paise, 10 paise, 20 paise, aluminium-bronze coins of 10 paise, stainless steel coins of 10 paise and cupronickel coins of 25 paise, 50 paise and Re.1 may be remitted to Government of India Mints at Mumbai/ Kolkata / Hyderabad with prior intimation to them through the designated branches of the bank concerned (or through link branches of other banks) as per the existing procedure. Stainless steel coins of 25

paise, 50 paise, Re.1 and Rs.2 and cupronickel / stainless steel coins of Rs.5 denominations should, however, be put back in circulation. Rs.2 cupronickel coins may not be issued to the public but retained at the designated branches till further instructions. In case, the stocks of these coins reach beyond the holding capacity for lack of demand the Issue Department of the Circle should be approached for remittance of coins. Monitoring and Control (i) The Regional Managers / Zonal Managers of the banks may pay surprise visits to the branches and report the position of compliance in this regard to the Head Office which will review such reports and take prompt remedial action, wherever necessary. Any non-compliance in this regard shall be viewed as violation of instructions issued by the Reserve Bank of India.
(ii)
COINS OF 25 PAISE & BELOW WITHDRAWAL FROM CIRCULATION W.E.F. 30.06.2011
The Government of India has decided to withdraw coins of denomination of 25 paise and below from circulation with effect from June 30, 2011. The Reserve Bank of India has instructed the banks maintaining small coin depots to arrange for exchange of coins of denomination of 25 paise and below for their face value at their branches. The coins will be exchanged at the branches of these banks as also the offices of the Reserve Bank till the close of business on June 29, 2011. Coins of denomination of 25 paise and below will not be accepted for exchange at the bank branches from July 1, 2011 onwards.
DETECTION AND IMPOUNDING OF COUNTERFEIT NOTES
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) All Reserve Bank Issue Offices. Stamping and Impounding of Counterfeit Notes 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 ________________________BRANCH ______________________SIGNATURE DATE:__________________________ Each such impounded note shall be recorded in a separate register, under authentication. Issue of Receipt to the Tenderer When a banknote tendered at the counter of Reserve Bank Issue Office or a bank branch or treasury is found to be counterfeit, an acknowledgement receipt in the format (Annex I) should be issued to the tenderer, after stamping the note as in above paragraph. The receipt, in running serial numbers, should be in duplicate and should be authenticated by the cashier as well as by the tenderer. Notice to this effect should be displayed prominently at the offices / branches for the information of the public. Acknowledgement receipt may be issued even in cases where the tenderer is unwilling to countersign the receipt. Detection of Counterfeit Notes in Cash Tenders A Counterfeit Note detected in the cash received by the bank branch/Treasury, across the counter shall be impounded in the presence of the tenderer, in the manner detailed in Para 2 above. It shall be forwarded to the local police authorities for investigation by filing the FIR (Annex II). A copy of the FIR shall be sent to the Forged Note Vigilance Cell constituted at the Local Head Office of the bank, and in the case of the Treasury, it should be sent to the Issue Office of Reserve Bank concerned. Particulars such as name, address of the tenderer and his / her statement as to how the said note came into his / her possession shall also be forwarded to the police authorities. FIR is required to be filed in respect of each case of detection of counterfeit note irrespective of the number of pieces and bonafides of the tenderer. Acknowledgement of the police authorities concerned has to be obtained in respect of note/s forwarded to them. If the Counterfeit Notes are sent to the police by insured post, acknowledgement of receipt thereof by the police should be invariably obtained and kept on record. A proper follow-up of receipt of acknowledgement from the police authorities is necessary. In case of any difficulty faced by the Offices / Branches due to

reluctance of the police to accept FIRs, the matter may be sorted out in consultation with the Nodal Officer of the State concerned. A list of Nodal Officers of the Central Bureau of Investigation designated to coordinate matters relating to investigation of counterfeit banknote cases is enclosed (Annex VII) In no case, the Counterfeit Notes should be returned to the tenderer or destroyed by the bank branches / treasuries. The definition of 'counterfeiting' in the Indian Penal Code covers currency notes issued by a foreign government authority as well. The data on detection of counterfeit Indian notes at bank branches & treasuries should be included in the monthly Returns forwarded to the Reserve Bank Issue Offices as indicated in para 9 below. In case of suspected foreign currency note received for opinion from police/government agencies, etc., the sender may be advised to forward the same to the Interpol Wing of the CBI, New Delhi after prior consultation. Detection of Counterfeit Notes - Training of Staff It is necessary to ensure that the cash handling Staff in bank branches / currency chests, and Treasuries / Sub-Treasuries is fully conversant with the security features of a banknote. With a view to educating the branch staff on detection of Counterfeit Notes, the design and security features of all the banknotes shown in the chapter I. The Controlling Offices / Training Centres may also organise / conduct-training programmes on the security features of banknotes for members of staff to enable detection of Counterfeit Notes at the point of receipt itself. If necessary, they may take assistance of the officers from the nearest Issue Office of Reserve Bank. Examination of Banknotes Before Issuing over Counters, Feeding ATMs and Remitting to Issue Offices of Reserve Bank All the banks shall ensure that all notes in the denomination of Rs.100 and above are processed through machines conforming to 'Note Authentication and Fitness Sorting Parameters' prescribed by Reserve Bank from time to time, before issuing them over the counters or through ATMs. All bank branches having average daily cash receipts of over Rs.1 crore shall start using such machines by March 2010. Further, all bank branches having average daily cash receipts between Rs.50 lakh and Rs.1 crore shall start using such machines by March 2011. In order to obviate complaints regarding receipt of Counterfeit Notes through ATMs, and to curb circulation of counterfeits it is imperative to put in place adequate safeguards/checks before loading ATMs with notes. The Government of India and the National Security Council have taken a view that dispensation of Counterfeit Notes through the ATMs would be construed as an attempt to circulate the Counterfeit Notes by the bank concerned. Detection of counterfeits in chest remittances is also liable to be construed as wilful involvement of the chest branches concerned in circulating Counterfeit Notes and may attract special investigation by police authorities, and other action like suspending the operation of the chest concerned. Reserve Bank may consider the option of levying higher penal interest/penalties for the amount of forged notes detected in the chest remittances from the date of last removal of soiled notes from the respective chests /during inspection.

Establishment of Forged Notes Vigilance (FNV) Cell at Head Office of Bank AND THEIR FUNCTIONS Each bank shall establish at its Head Office, a Forged (Counterfeit) Note Vigilance Cell to undertake the following functions: 1. 2. 3. 4. 5. 6. 7. Dissemination of Reserve Bank instructions on Counterfeit Notes to their branches. Monitoring the implementation of these instructions. Compilation of data on detection of Counterfeit Notes, and its submission to Reserve Bank, NCRB and FIU-IND as per extant instructions. Follow-up of cases of Counterfeit Notes, with police authorities / designated nodal officer. Sharing of the information thus compiled with banks CVO and report to him / her all cases of acceptance / issue of Counterfeit Notes over the counters. Conducting periodic surprise checks at currency chests where shortages/ defective /Counterfeit Notes etc are detected. Ensuring operation of Note Sorting Machines of appropriate capacity at all the currency chests and closely monitoring the detection of Counterfeit Notes at currency chest branches and maintaining the record of the same. Ensuring that only properly sorted and examined banknotes are fed into the ATMs and to put in place adequate safeguards, including surprise checks, both during the processing and in transit of notes.
8.
Forged Note Vigilance Cell shall submit on a quarterly basis a status report covering the aforesaid aspects to the Chief General Manager, Department of Currency Management, Reserve Bank of India, Central Office, Amar Building, Fourth Floor, Sir P. M. Road, Fort, Mumbai 400 001, and to the Issue office of the Regional office of Reserve Bank under whose jurisdiction the FNV Cell is functioning, within a fortnight from the conclusion of the quarter under report. With a view to updating the record of the addresses of the Forged Note Vigilance Cells, the bank shall furnish by e-mail, in the prescribed proforma (Annex III), the address etc. particulars to Reserve Bank every year, as on 1st July. Provision of Ultra-Violet Lamp and Other Infrastructure With a view to facilitating the detection of Counterfeit Notes, all bank branches / treasuries should be equipped with ultra-violet lamps / other appropriate equipments. All currency chest branches should be equipped with verification, processing and sorting machines and should be used to their optimum capacity. Such machines should conform to the guidelines on 'Note Authentication and Fitness Sorting Parameters' prescribed by Reserve Bank in May 2010. The banks shall maintain daily record of the notes processed through the Note Sorting machines, including the number of counterfeits detected. The banks may also consider providing other branches with verification, processing and sorting machines of appropriate capacity for segregating soiled and suspected banknotes from bulk receipts as also at least one counting machine (with dual display facility) for public use at the counter.

REPORTING OF DATA 1. Reporting of Data - (I) Bank Branches (II) FNVC of a Bank (III) Co-operative Banks & RRBs Data on Counterfeit Notes detected by all the branches of the bank shall be reported in the prescribed format, on a monthly Basis A statement (Annex IV) - showing the details of Counterfeit Notes detected in the bank branches during the month shall be compiled and forwarded to the following offices so as to reach them by 7th of the next month: (i) Concerned Issue Office of Reserve Bank. (ii) Asstt. Director, National Crime Records Bureau, Government of India, Ministry of Home Affairs, East Block-7, R.K. Puram, New Delhi-110 066. Principal Officers of banks are also required to report information on cash transactions where forged notes have been used as genuine note to The Director, FIU-IND, Financial Intelligence Unit- India, 6th Floor, Hotel Samrat, Chanakyapuri, New Delhi-110021, within seven working days. A nil report may be sent in case no counterfeit has been detected during the month. 2. Reporting of Data by the Forged Note Vigilance Cell of Bank Forged Note Vigilance Cell set up at the Head Office of the bank (other than Cooperative and Regional Rural Banks) shall submit a monthly Return reflecting data on Counterfeit Notes detected by the bank, on an all-India basis in a prescribed profoma (Annex V) before the end of the succeeding month, by e-mail to the Department of Currency Management, Reserve Bank of India, Central Office on the following address: - dcmfnvd@rbi.org.in No hard copy need be sent. A "nil" report may be sent in case no counterfeit has been detected during the month. 3. Reporting of Data by Co-operative Banks and Regional Rural Banks Data on Counterfeit Notes detected by branches of Co-operative Banks and Regional Rural Banks should be furnished on monthly basis to the respective Issue Office of Reserve Bank (Annex IV). Data on an all-India basis should be compiled at the Head Office of the bank on monthly basis in Annex V and furnished to Reserve Bank of India only when called for. Preservation of Counterfeit Notes Received from Police Authorities All Counterfeit Notes received back from the police authorities/courts may be carefully preserved in the safe custody of the bank and a record thereof be maintained by the branch concerned. Forged Note Vigilance Cell of the bank shall also maintain a branch-wise consolidated record of such Counterfeit Notes. These Counterfeit Notes at branches should be subjected to verification on a half-yearly basis (on 31st March and 30th September) by the Officer-in- Charge of the branch concerned. These should be preserved for a period of three years from the date of receipt from the police authorities. The Counterfeit Notes may thereafter be sent to the concerned Issue Office of Reserve Bank of India with full details. The Counterfeit Notes, which are the subject matter of litigation in the court of law should be preserved with the branch concerned for three years after conclusion of the court case.

Annex I Acknowledgement Receipt to be Issued to the Tenderer of Counterfeit Notes
STATE BANK OF INDIA Address of the Bank Branch
Serial Number: of the ReceiptDate:
The note(s) described below received from . . (name and address of the tenderer) is/are counterfeit and has/have therefore been impounded and stamped accordingly.
Sl.No. of the note note
Denomination
Parameters on which the is deemed as counterfeit
Total No. of notes:
(Signature of the tenderer )
(Signature of the counter cashier)

Annex- II
STATE OF BANK OF INDIA Address of the Bank Branch
Ref. 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 name and address of the tenderer together with his statement is enclosed. 2. As the printing and/or circulation of forged Indian Currency Notes is an offence under Sections 489A to 489E of the Indian Penal Code, we request you to lodge FIR and conduct the necessary investigation and bring the culprits to book. In case it is decided to file criminal proceedings in the court of law, you may first arrange to send the notes to any of the Note Printing Presses, Forensic Science Laboratories etc. in terms of the provisions of the Section 292(1) and 292(3) of the Code of Criminal Procedure) for examination. The expert opinion furnished may be produced in the court as evidence under Section 292 of the Criminal Procedure Code. The forged notes may please be returned to us after the completion of the investigation and/or proceedings in the court of law along with the detailed report of the investigation/decision of the court. Details of Counterfeit Note/s Series A B C Denomination Name & address of the tenderer Our Entry No. Number of pieces Value
Yours faithfully,
Authorized Signatory
Annex III
Format fo Furnishing Address etc. Particulars of Forged Note Vigilance Cell (FNVC) to RBI (TO BE FURNISHED BY E-MAIL ON 1ST JULY EVERY YEAR) REF: MASTER CIRCULAR DATED JULY1, 2008 ISSUED BY RBI NAME OF THE BANK ADDRESS OF FNVC(WITH PIN CODE) NAME AND DESIGNATIO N OF OFFICER-INCHARGE TELEPHONE NO (WITH CODE). FAX NO.(WITH CODE) E-mail Address of the FNVC
We note to intimate immediately the changes, if any, in the particulars furnished above.
Name of Authorized Official Designation Date
NB:: The completed format should be transmitted by e-mail, in MS-Exel on the following addressdcmfnvd@rbi.org.in
Annex-IV State Bank of India Address of the Bank Branch
Statement showing the details of counterfeit banknotes detected in the branch during the month of _______________ Denomination--Wise Details Denominations Rs10 Rs.20 Rs.50 Total Pieces Total Value Name of the State / UT where the branch is situated
Rs.100
Rs.500
Rs.1000
Details of Cases Filed with Police Pending with Police at the beginning of the month (A) No. of cases No. of pieces Sent to during month report (B) Police the under Returned by the Police Pending with the Police at the end of the month (D)
(C)
NB: Each FIR lodged comprises one case. The total number of forged notes covered by FIR may be indicated in each of the columns above.
Forwarded to: The General Manager/Deputy General Manager, Reserve Bank of India, Issue Department, ____________ The Assistant Director, National Crime Records Bureau, Government of India, Ministry of Home Affairs, East Block-VII, R.K. Puram, New Delhi 110 066.
(Signature) Name & Designation of the Authorised Official

Annex V COUNTERFEIT NOTES DETECTED BY BANKS (CONSOLIDATED DATA ON AN ALL INDIA BASIS) Report for the month of ______________________________ Name of the Bank ______________________________ Address of the Forged Note Vigilance Cell ______________________________ ______________________________ ______________________________ ______________________________ email address ______________________________ PART-1; State/Union Territory-Wise Summary of Counterfeit Notes Detected by the Bank State/Union Denomination Wise Number of Notes Territory* Rs. 10 Rs. 20 Rs. 50 Rs. 100 Rs. 500 Rs. 1000 1. 2. 3. GRAND TOTAL * Indicate Name of State/Union Territory PART-2: Details of Cases of FIRs Pending with Sent to the police at police the during beginning of the the month month
TOTAL PIECES
Returned by Police
Pending with police at the end of the month (A) + (B) - (C)
(A) (B) (C) (D) Number of Cases Number of Notes NB: Each FIR lodged comprises one case. The total number of Counterfeit Notes covered by FIRs to be indicated in each of the columns Certified that (i) FIRs have been lodged in respect of all notes indicated in Part -1 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 in terms of letter DCM (FNVD) No.5996/16.12.01/2007-08 dated February 15, 2008. NB: the Report to be prepared in MS Excel and transmitted by e-mail to dcmfnvd@rbi.org.in

Annex VII NODAL OFFICERS APPOINTED TO MONITOR FICN CASES SR.NO. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. STATE Assam Andhra Pradesh Andaman & Nicobar Arunachal Pradesh Bihar Chandigarh Chattisgarh Daman, Diu and Dadra Nagar Haveli, Silvasa Delhi Goa Gujarat Himachal Pradesh Haryana J&K Jharkhand Karnataka Kerala Lakshadweep Madhya Pradesh Maharashtra Manipur Meghalaya Mizoram Nagaland Orissa Pondicherry Punjab Rajasthan Sikkim Tamil Nadu Tripura Uttar Pradesh Uttaranchal West Bengal NODAL OFFICER (FICN) IGP, CID, Guwahati DIG, CID, AP, Hyderabad Dy. SP, CID, Aberdeen Bazaar, Port Blair DIG/PHQ, Itanagar IG, EOW, CID, Patna IGP/Crime, EOW AIGP, SCRB SP, ACB, Mumbai DCP Special Cell Delhi Police ACP Special Cell Southern Range Dy. Supdt. of Police, Crime Branch, Donapaula, Goa. DIG (Crime-3), Gandhi Nagar IGP, CID, HP, Shimla IGP, Crime PHQ, Sector-6, Panchkula, IGP, Crime and Railways, J & K, Jammu, Srinagar Addl. DG of Police, CID, Ranchi IGP, EO/COD, Bangalore Dy. SP, CFS Supdt of Police Lakshadweep DIG, PHQ, EOW Jahangirabad Bhopal Jt. CP, ATS, MS, Mumbai IGP (Int.), Imphal AIG (Admn) Shillong SP, CID (Crime ) Aizawal DIG, Modernisation Kohima IGP, CID, CB, Cuttack SP, CID, HQ Pondicherry SP, EOW, Chandigarh DIG (EOW), CID, (CB), Jaipur SP, Crime Branch, PHQ, Gangtok Supt. of Police, CB, CID (Hqrs), Chennai IGP, Intelligence Agartala Addl. SP, EOW Lucknow DIG, CID Dehradun ADGP/CID, Kolkata

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