Which of the following instruments is not a negotiable instrument?

Which of the following instruments is not a negotiable instrument? Correct Answer Crossed cheque

Crossed cheque is not a negotiable instrument. A cheque is a negotiable instrument. It can either be open or crossed. While a crossed cheque is not payable over the counter but shall be collected only through a banker. The amount payable for the crossed cheque is transferred to the bank account of the payee.
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