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| 裏面の説明 | The reverse carries a central vignette of North Bay Island (Coral Island) in the Andaman archipelago, rendered in fine intaglio line work, with palm trees in the foreground and a calm coastal seascape beyond. Ornate floral guilloche scrollwork frames the scene at left and right. A multilingual denomination panel at left lists 'Twenty Rupees' in the fifteen scheduled languages of India, and the denomination appears in Devanagari and English along the lower margin. |
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| 署名 | without plate letter - Bimal Jalan plate letter A - Bimal Jalan plate letter R - Bimal Jalan without plate letter - Reddy plate letter A - Reddy plate letter E - Reddy plate letter R - Reddy |
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The P#89A belongs to the Mahatma Gandhi Series introduced in 1996, which replaced the earlier Lion Capital series and brought standardized intaglio printing to India's lower denominations. The 20-rupee note was something of an awkward denomination in practice — long underused relative to the 10 and 50 — but the series gave it renewed circulation traction through the early 2000s.
Bimal Jalan served as RBI Governor from 1997 to 2003, making his signature variants the earlier issues within this pick number. Y.V. Reddy succeeded him, extending the same design run through 2008. The plate letters — A, R, E among others — indicate printing plate batches, useful for dating production runs more precisely than the undated face suggests.