law: Negotiable Instruments Act, 1881 
  125. Crossing after issue 
  Where a cheque is uncrossed, the holder may cross it generally
  
  or specially. Where a cheque is crossed generally, the holder may cross it
  
  specially. Where a cheque is crossed generally or specially, the holder may add
  
  the words "not negotiable".
  Where a cheque is crossed specially, the banker to whom it is
  
  crossed may again cross it specially to another banker, his agent, for
  
  collection.