e – RUPI Digital Payment – What is it? Objective & Significance, how it works, benefits, and FAQs

PM Narendra Modi launched digital payment solution e – RUPI on Monday, 2nd August 2021. It is a person and purpose-specific cashless digital payment system. As per many experts, e – RUPI is India’s first step toward digital currency. According to the Prime Minister, the introduction of e – Rupi will give a tremendous boost to digital transactions in India.

The main benefit of e – RUPI is that it will help the government transfer money and benefits directly to the common citizens of India. As the scheme is quite new, there are some questions like what is e – RUPI, how it works, what are its objectives, etc. are buzzing through the minds of many Indians. Go through this post to know all the necessary information related to e – RUPI Digital Payment Solution in an accurate manner.  


What Prime Minister said about e – Rupi Digital Payment Scheme?

At the launch of e – RUPI digital payment solution, Prime Minister Narendra Modi said some very important things. Let’s take a look at some important points he makes during the event.

  • The prime minister said, “ e-RUPI voucher is a symbol of how India is progressing by connecting people’s lives with technology”. He also expressed his happiness over the fact that this digital reform is initiated at a time when the country is celebrating the Amrit Mahotsav on the 75th anniversary of Independence.
  • The PM also added, in case some organizations are looking to help someone in their treatment, education or for any other work, then they would be able to give an eRUPI voucher instead of cash. In this way, the money will be used directly by the beneficiary only for the purpose for which the money is issued by the government.
  • In addition to this, the PM also said “e-RUPI will ensure that the money is being used for the purpose for which any help or any benefit is being provided”. There was a time technology was considered only for the rich people of the country. “Today we are seeing technology as a tool to help the poor, a tool for their progress”.
  • Modi said the foundation of this scheme was prepared over the years by creating the JAM system, which connected mobile with Aadhaar. He stressed “Benefits of JAM took some time to be visible to people and we saw how we could help the needy during the lockdown period while other countries were struggling to help their people”

Also checkAyushman Bharat Digital Mission (ABDM) health ID

Key Objective and Significance of e – Rupi Scheme

The main objective of the launch of e – Rupi is to give more power to the digital transaction and Direct Benefit Transfer Scheme.

  • e – RUPI will ensure leak-proof delivery of wellness services and benefits.
  • These vouchers can be used by beneficiaries to get benefits of fertilizer subsidies, TB eradication programs, Ayushman Bharat, Pradhan Mantri Jan Arogya Yojana, Mother, and Child Welfare Schemes, etc.
  • Apart from this, the government is all set to provide benefits of this digital voucher for the private sector employee and corporate sector as well.
  • The transaction made through e – RUPI will be safe and secure.
  • The scheme will also help the government as it will make the other schemes more effective and eradicate the exploitation by middlemen.

Also check- PM Gati Shakti Yojna

How e – Rupi works?

Now, let’s discuss how e – RUPI will work and how you can take benefits from this digital solution.

  • Firstly, you should know that e – RUPI system has been prepared by NPCI on its UPI Platform. Many banks are already registered with NPCI.
  • e – RUPI voucher will be sent to the beneficiary as an SMS string or QR code system.
  • The beneficiary will download the app on his/ her mobile through QR code or SMS string.
  • Beneficiaries may use this app to get various services and benefits without using any credit or debit card, mobile app, or internet banking.
  • Users will not have to meet anyone in order to get these vouchers. You may get it easily as a gift voucher.
  • The services will be linked with the vouchers so that you can get them for free.
  • Remember, only the person to whom the voucher is allotted can use e – RUPI voucher. The system will identify the beneficiaries by their mobile number.

E – Rupi Digital Payment Scheme in Hindi

पीएम नरेंद्र मोदी ने सोमवार, 2 अगस्त 2021 को डिजिटल भुगतान समाधान e – RUPI लॉन्च किया। यह एक व्यक्ति और उद्देश्य विशिष्ट कैशलेस डिजिटल भुगतान प्रणाली है। कई विशेषज्ञों के अनुसार, e – RUPI डिजिटल मुद्रा की ओर भारत का पहला कदम है। प्रधानमंत्री के अनुसार, ई-रूपी की शुरुआत से भारत में डिजिटल लेनदेन को जबरदस्त बढ़ावा मिलेगा। e-RUPI का मुख्य लाभ यह है कि यह सरकार को भारत के आम नागरिकों को सीधे धन और लाभ हस्तांतरित करने में मदद करेगा।

ई-रूपी क्या है और यह कैसे काम करेगा?

  • सबसे पहले, आपको पता होना चाहिए कि e – RUPI प्रणाली एनपीसीआई (NPCI) द्वारा अपने यूपीआई प्लेटफॉर्म पर तैयार की गई है। कई बैंक पहले से ही एनपीसीआई में पंजीकृत हैं।
  • e – RUPI वाउचर लाभार्थी को एसएमएस स्ट्रिंग या क्यूआर कोड सिस्टम के रूप में भेजा जाएगा।
  • लाभार्थी क्यूआर कोड या एसएमएस स्ट्रिंग के माध्यम से अपने मोबाइल पर ऐप डाउनलोड करेंगे।
  • लाभार्थी किसी भी क्रेडिट या डेबिट कार्ड, मोबाइल ऐप या इंटरनेट बैंकिंग का उपयोग किए बिना विभिन्न सेवाओं और लाभों को प्राप्त करने के लिए इस ऐप का उपयोग कर सकते हैं।
  • इन वाउचर को प्राप्त करने के लिए उपयोगकर्ता को किसी से मिलने की आवश्यकता नहीं होगी। यह आपको गिफ्ट वाउचर के रूप में आसानी से मिल सकता है।
  • सेवाओं को वाउचर के साथ जोड़ा जाएगा ताकि आप उन्हें मुफ्त में प्राप्त कर सकें।
  • याद रखें, केवल वही व्यक्ति जिसे वाउचर आवंटित किया गया है, e-RUPI वाउचर का उपयोग कर सकता है। सिस्टम लाभार्थियों की पहचान उनके मोबाइल नंबर से करेगा।
  • इसके अलावा, सरकार निजी क्षेत्र के कर्मचारियों और कॉर्पोरेट क्षेत्र के लिए भी इस डिजिटल वाउचर का लाभ प्रदान करने के लिए पूरी तरह तैयार है।

Frequently Asked Questions

Can I transfer my e – RUPI voucher to my friend?

No, e – RUPI voucher should be used by the beneficiary only to whom the voucher is allotted.

How can a private company get e – RUPI Voucher to distribute them to the employees?

Private organizations or companies need to contact the banks in order to collect e – RUPI vouchers for their employees.

How will the government will send e – RUPI vouchers to beneficiaries?

The government will send these vouchers to the mobile number of beneficiaries in the form of SMS strings or QR codes.

Do I need to have a debit card/ credit card or internet banking to use e – RUPI voucher?

No, there is no need to have a debit/ credit card or internet banking to use these vouchers.

Do I need a bank account to get the benefit of e – RUPI digital payment system?

No, there is no need for a bank account. You can redeem these e – RUPI vouchers without even a bank account.

Also check- e – Shram Portal registration

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