Printing of account field : All cheques should, as far as possible, be issued with the account number field pre-printed. This would help banks to identify and control fraudulent alterations. For any change in the payee’s name, courtesy amount (amount in figures) or legal amount (amount in words), etc., fresh cheque forms should be used by customers. Prohibiting alterations / corrections on cheques : No changes / corrections should be carried out on the cheques (other than for date validation purposes, if required).
#TUTORIAL ON MAKING A VOID PANTOGRAPH FREE#
The colours will be finalised in consultation with IBA / NPCI.Ĭlutter free background : Background of cheques shall be kept as clutter free as possible for improving quality and clarity of images. Mandating colours and background : Light / Pastel colours shall be mandated for cheques so that Print / Dynamic Contrast Ratio (PCR / DCR) is more than 60% for ensuring better quality and content of images. A sample cheque with recommended field placements is placed at 4 below. This will enable data capturing by Optical / Image Character Recognition (OCR / ICR) engines in offline mode and help banks in automating their payment processes. However, placement of additional fields shall be left to banks. It will establish genuineness of a cheque.įield placements of a cheque : Placement of significant fields on the cheque forms shall be mandated. The logo will be captured by / visible in UV-enabled scanners / lamps. This would act as a deterrent against colour photocopy or scanned colour images of a cheque.īank ’ s logo printed with invisible ink (ultra-violet ink) (At Printing Stage): Bank’s logo shall be printed in ultra-violet (UV) ink. This feature should not be visible on the scanned image at the resolution specified in CTS but should be clearly visible in photocopies and scanned colour images as resolution used in such cases would be above the prescribed CTS standards.
Sample watermarks that would be used in CTS will be finalised in consultation with Indian Banks’ Association (IBA) / National Payments Corporation of India (NPCI) and could (illustratively) appear as under -ġ.3 VOID pantograph (At Printing Stage): Pantograph with hidden / embedded “COPY” or “VOID” feature shall be included in the cheques.
#TUTORIAL ON MAKING A VOID PANTOGRAPH FULL#
Each cheque must hold atleast one full watermark. The watermark should be oval in shape and diameter could be 2.6 to 3.0 cms. This would make it difficult for any fraudster to photocopy or print an instrument since this paper would be available only to security printers handling cheque printing. Watermark (At Manufacturing Stage) : All cheques shall carry a standardised watermark, with the words “CTS-INDIA” which can be seen when held against any light source. This shall ensure that the feel of cheques is uniform across banks. CTS-2010 Standard paper should not glow under Ultra-Violet (UV) light i.e., it should be UV dull.
Additionally, paper should be image friendly and have protection against alterations by having chemical sensitivity to acids, alkalis, bleaches and solvents giving a visible result after a fraudulent attack.
Details of current specifications are contained in the document 'Mechanised cheque processing using MICR technology - Procedural Guidelines', available at. Paper (At Manufacturing Stage ): Status quo shall be maintained in relation to paper specifications as it exists currently.