This document discusses various aspects of demand drafts (DDs), including: 1. Key features of DDs such as being payable to order on demand and not made payable to bearer. 2. Security features of DDs like watermarks and how to handle stop payments, duplicate drafts, and payments of original vs duplicate drafts. 3. Guidelines for situations like an unsigned DD presented for clearing, a customer requesting a duplicate DD without providing an indemnity bond, and an old RBI draft being presented for payment. 4. How to handle requests for bearer DDs and DDs presented for payment where the issuing branch is missing.