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| 正面描述 | Heavy light-brown decorative borders frame the note, with an elephant vignette occupying the left border panel and a tiger vignette on the right. The denomination numeral '10' appears in each of the four corners rendered in four scripts — English, Bengali, Devanagari, and Urdu/Persian. A serial number is positioned at the top-left of the central text field. |
|---|---|
| 正面铭文 | UNION BANK UNION BANK, CALCUTTA ON DEMAND Promise to pay the Bearer Company Rupees Ten for the Trustees of the Union Bank |
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The Union Bank of Calcutta was one of the so-called Presidency banks' rivals — a joint-stock bank operating under a royal charter granted in 1829. By 1847, it was already in serious financial trouble; the bank collapsed entirely in 1848, making this note part of the final year of issue before failure. Notes from this institution rarely survived the ensuing scramble for redemption, and most were either presented for payment or destroyed in the liquidation process.
Pick S196 falls within the private bank issues catalogued under British India — a category where survivors are genuinely uncommon rather than merely scarce by collector convention.