Digital Rupee (e₹) କ’ଣ? | Digital Rupee ଭାରତର ଡିଜିଟାଲ ମୁଦ୍ରା
Digital Rupee (e₹) କ’ଣ? ଏହା କିପରି କାମ କରେ, ଲାଭ, ଉଦାହରଣ, FAQs ସହ ଭାରତର Digital Currency ବିଷୟରେ ସହଜ ଓ ସ୍ପଷ୍ଟ ଓଡ଼ିଆ ବ୍ଲଗ୍।
Digital Rupee Odia”
✅ “ITR refund delay Odia”
✅ “AIS mismatch ITR Odia”
Digital Rupee (e₹) ହେଉଛି ଭାରତର ନିଜସ୍ୱ Digital Currency, ଯାହାକୁ Reserve Bank of India (RBI) ଜାରି କରେ। ଆଜିର ଡିଜିଟାଲ ଯୁଗରେ ଯେଉଁଠି UPI, Online Banking ଓ Mobile Wallet ଆମ ଦୈନନ୍ଦିନ ଜୀବନର ଅଂଶ ହୋଇଯାଇଛି, ସେଠାରେ Digital Rupee (e₹) ଭାରତର ମୁଦ୍ରା ପ୍ରଣାଳୀକୁ ଏକ ନୂଆ ଦିଗ ଦେଉଛି।
ସହଜ ଭାଷାରେ କହିଲେ, Digital Rupee (e₹) ହେଉଛି ନୋଟ୍ ଓ କଏନ୍ର ଡିଜିଟାଲ ଆକୃତି — କିନ୍ତୁ ଏହା Mobile ଓ Digital Wallet ମାଧ୍ୟମରେ ବ୍ୟବହାର ହୁଏ।
Digital Rupee (e₹) କ’ଣ?
🔹 ସରଳ ପରିଭାଷା
Digital Rupee (e₹) ହେଉଛି Central Bank Digital Currency (CBDC), ଯାହା RBI ଦ୍ୱାରା ଜାରି ହୋଇଥାଏ ଏବଂ ଏହାର ମୂଲ୍ୟ ସାଧାରଣ ଟଙ୍କା (₹) ସମାନ।
🔹 ମୁଖ୍ୟ ବିଶେଷତା
RBI ଦ୍ୱାରା ଜାରି
100% Legal Tender
Cash ସହ ସମାନ ମୂଲ୍ୟ
Digital Wallet ମାଧ୍ୟମରେ ବ୍ୟବହାର
Digital Rupee କାହିଁକି ଆଣାଗଲା? (Why Digital Rupee?)
RBI ଓ ଭାରତ ସରକାର ନିମ୍ନଲିଖିତ କାରଣରୁ Digital Rupee ଆଣିଛନ୍ତି —
💸 Cash Printing Cost କମେଇବା
🕵️♂️ Black Money ଓ Fake Currency ରୋକଥାମ
⚡ Fast & Secure Payment System
🌍 Digital Economy କୁ ସୁଦୃଢ଼ କରିବା
📉 Transaction Cost କମେଇବା
Digital Rupee କିପରି କାମ କରେ?
🔹 ପ୍ରକ୍ରିୟା (Step-by-Step)
RBI Digital Rupee ଜାରି କରେ
Banks ମାଧ୍ୟମରେ User ମାନେ ପାଆନ୍ତି
Mobile Wallet ରେ e₹ ସଞ୍ଚୟ
QR Code ବା Wallet-to-Wallet Transfer
Internet ଥିଲେ କି ନଥିଲେ ମଧ୍ୟ ବ୍ୟବହାର ସମ୍ଭବ (Future Feature)
Digital Rupee ଓ UPI ମଧ୍ୟରେ ପାର୍ଥକ୍ୟ
| ବିଷୟ | Digital Rupee | UPI |
|---|---|---|
| ଜାରିକର୍ତ୍ତା | RBI | Bank |
| ଟଙ୍କା ପ୍ରକୃତି | Digital Cash | Bank Deposit |
| Interest | ନାହିଁ | ଥାଇପାରେ |
| Offline Use | ସମ୍ଭବ | ନୁହେଁ |
Digital Rupee ର ପ୍ରକାର
🔹 1. e₹-W (Wholesale)
Banks ମଧ୍ୟରେ
Large Transactions
Settlement Faster
🔹 2. e₹-R (Retail)
ସାଧାରଣ ଲୋକଙ୍କ ପାଇଁ
Shopping, Payment, Transfer
Digital Rupee ର ବ୍ୟବହାର ଉଦାହରଣ
🛒 Grocery Shop ରେ Payment
🚌 Bus Ticket / Metro Payment
👩🌾 Farmer to Merchant Payment
🏪 Small Business Transactions
👉 ଉଦାହରଣ:
ରମେଶ ତାଙ୍କ Mobile Wallet ରେ ₹500 e₹ ରଖି QR Code Scan କରି ଦୋକାନରେ ସହଜରେ ଦେୟ ଦେଲେ।
Digital Rupee ର ଲାଭ
🔐 High Security
⚡ Instant Payment
💰 No Middleman
🌱 Eco-Friendly
🧾 Transparent System
ଚ୍ୟାଲେଞ୍ଜ ଓ ସୀମାବଦ୍ଧତା
📵 Digital Literacy ଅଭାବ
📱 Smartphone ଆବଶ୍ୟକ
🔌 Internet Dependency (Present Phase)
🤔 Privacy Concern
FAQs – Digital Rupee (e₹)
Q1: Digital Rupee କି Bitcoin ଭଳି?
👉 ନା, Digital Rupee Government-backed currency, Bitcoin Private।
Q2: Digital Rupee Safe କି?
👉 ହଁ, RBI ଦ୍ୱାରା ସମ୍ପୂର୍ଣ୍ଣ Secure।
Q3: Digital Rupee ରେ Interest ମିଳେ?
👉 ନା, Cash ଭଳି Interest ନାହିଁ।
Q4: Digital Rupee Offline ବ୍ୟବହାର ହେବ?
👉 ଭବିଷ୍ୟତରେ RBI ଏହା ଉପରେ କାମ କରୁଛି।
Q5: କେଉଁ App ରେ Digital Rupee ମିଳେ?
👉 Selected Bank Wallets (Pilot Phase)।
External Trusted Links
RBI Official: https://www.rbi.org.in
PIB India: https://pib.gov.in
Ministry of Finance: https://www.finmin.nic.in
Digital Rupee
e₹
RBI
Finance
✍️ ନିଷ୍କର୍ଷ:
Digital Rupee (e₹) ଭାରତର ଆର୍ଥିକ ପ୍ରଣାଳୀରେ ଏକ ଐତିହାସିକ ପଦକ୍ଷେପ। ଏହା ଦେଶକୁ Cashless, Transparent ଓ Secure Economy ଦିଗରେ ଆଗକୁ ନେଇଯିବ।
Usage of e₹ is currently being pilot tested in the form of some studies in the country. The pilot is being tried in the Retail (public) and Wholesale (bank and other institutions) segments.
A. Retail CBDC
1. What is Digital Rupee?
Digital Rupee or e₹, is India’s Central Bank Digital Currency (CBDC). It is the digital form of India’s physical currency, the Rupee (₹). e₹ is issued by the Reserve Bank of India (RBI) in digital form and offers features similar to physical cash like convenience of use, guarantee of RBI, finality of settlement, etc. e₹ is stored in the user’s digital wallet and can be used to receive / send money, and / or make payment for transactions, just like any physical ₹ note.
The logo and tagline for India’s CBDC is as under:
2. How can e₹ be held and used?
e₹ can be held and transacted through e₹ wallets offered by banks and non-banks for person-to-person payments or person-to-merchant transactions. One can start using the e₹ wallet by downloading the e₹ app from the Play Store or the App Store and by following the App instructions. Detailed instructions on using the e₹ wallet can be checked with the banks and non-banks providing the wallet. Payments to merchants can be made by scanning either the CBDC QR code or the UPI QR code available at the respective merchant location.
3. What is an e₹ Wallet?
e₹ wallet is a digital wallet that can be opened on one’s mobile phone/device. e₹ wallet stores the Digital Rupee, similar to the physical wallet/purse that stores the physical currency. e₹ wallets are being currently provided by banks and non-banks, which are part of the retail CBDC pilot.
4. Are e₹ wallets safe?
e₹ wallets are safe and secure. There is a robust cyber-security framework to ensure that e₹ is kept secure in the user’s wallet. The e₹ stored in the e₹ wallet is safe even if the mobile device on which the e₹ wallet is installed is lost. The e₹ wallet can be recovered using the same phone number / SIM on a new mobile device.
5. Which mobile operating system platform does e₹ wallet currently support?
e₹ wallet is available and supported both on Android and iOS mobile devices.
6. How is Digital Rupee created and issued?
Creation and issuance of retail e₹ is identical to the arrangement for issuance of paper currency i.e., RBI creates e₹ and issues them to banks and non-banks electronically. Banks and non-banks, thereafter, are responsible for facilitating onboarding and opening e₹ wallets for their customers on their mobile phones. The e₹ issuance, distribution, and usage within the retail segment (for members of the public) is live in pilot mode with effect from December 1, 2022. The users and merchants of identified pilot banks and non-banks across the country can use e₹.
7. What do the e₹ pilots aim to achieve?
The e₹ pilots are a limited scale, controlled roll-out, to test the technology, architecture, scalability, application, features, use-cases and acceptance of e₹. The pilots aim to test the robustness of the entire process of e₹ creation, distribution, usage, etc.
8. Who can use e₹?
Currently, users and merchants of identified pilot banks and non-banks across the country can use e₹. These customers can download the e₹ app of the bank or non-bank, register themselves, and start using the e₹ wallet to participate in the pilot.
9. Can Digital Rupee be transacted from one’s bank account outside banking hours?
Yes. e₹ can be loaded/redeemed/transferred from/to one’s bank account to/from the e₹ wallet 24 hours x 7 days a week.
10. Is there any minimum balance required to open/maintain an e₹ wallet?
No. There is no minimum balance required to open/maintain an e₹ wallet.
11. Is savings account mandatory for retail customers to use e₹?
Currently, opening of e₹ wallets is linked to user’s saving accounts. This linkage facilitates frictionless user onboarding and obviates the need for separate KYC requirement. Based on the feedback and emerging use cases, new models of user on-boarding are also being explored.
12. Why do I see e₹ with different denominations in the wallet?
For ease of use, e₹ is available in the same denominations as physical currency. This provides the users with the same familiarity and convenience as with usage of physical currency notes.
13. How can one transact without having the required denomination or change?
The feature of providing the requisite change is available in all the e₹ wallets. For example, if one desires to purchase a ₹15 item from a merchant but has only ₹20 denomination available in the e₹ wallet, she/he can enter ₹15 in the amount field while sending the money; ₹15 will automatically be credited to the merchant while the balance ₹5 will be returned to the e₹ wallet.
14. Are decimal or fractional value payments supported in the Digital Rupee (e₹)?
Yes, the Digital Rupee (e₹) supports payments involving decimal or fractional values. Transactions can be made for any amount up to two decimal places, similar to other digital payment modes.
15. Are there any charges/fees for using e₹?
There are no charges or fees associated with using e₹ or e₹ wallets.
16. Whom can one reach out to for support/disputes related to e₹?
Users can raise disputes via their e₹ wallet app or reach out to their customer care centre.
17. Will interest be paid on the ₹ balances in the e₹ wallet?
Given the cash-like features of e₹, there is no interest payable on the wallet balances.
18. Whether e₹ is legal tender?
In terms of Section 26 of the Reserve Bank of India (RBI) Act, 1934, every e₹ bank note shall be legal tender at any place in India in payment or on account for the amount expressed therein and is guaranteed by the Central Government. e₹, being a digital form of the ₹ bank note, is legal tender and is the liability of Reserve Bank of India.
19. Is there any difference between e₹ and UPI?
e₹ is a digital form of ₹ whereas UPI is a means of payment. In addition to being used for payments, e₹ also serves as a ‘store of value’, i.e., e₹ can be withdrawn from one’s bank account and kept separately in the e₹ wallet.
In the case of P2P and P2M payments made at any CBDC QR, the transactions happen between two e₹ wallets, and are settled instantaneously without passing through user’s bank accounts.
For P2P and P2M payments, the functionality of scanning a UPI QR from an e₹ app has also been enabled. In such cases, the settlement will be based on the UPI settlement timelines.
20. What is offline feature of e₹?
The offline feature of e₹ enables the user to transact in locations with limited or no internet connectivity. It is expected to mirror the advantages of physical cash, making it a reliable solution for usage in remote areas. Currently, different solutions are being explored. One solution facilitates P2P transactions without internet but still requires telecom connectivity, while another solution is being tested to enable offline P2M transactions on merchant POS terminals leveraging NFC communication.
21. What is programmability feature of e₹?
The programmability feature allows the sponsor entity (government / corporate) or user to ensure that the funds in the CBDC wallets are used for a specific, designated purpose. It can be programmed on different parameters like expiry date, geo-location, merchant category codes, merchant VPA, etc. Currently, the programmability use cases are being explored across Direct Benefits Transfer (DBT) schemes, interest subvention scheme, lending, employee allowances for defined purposes, etc.