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e-Rupee

The Digital Rupee, also known as eINR or E-Rupee, is a tokenized digital currency equivalent to the Indian Rupee and is issued by the Reserve Bank of India as a central bank digital currency. Initially proposed in January 2017, it was officially launched on December 1, 2022. The Digital Rupee utilizes blockchain distributed-ledger technology.

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    Is the digital rupee the right approach?

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    R

    The "e-rupee" is more than just another UPI; it acts like "digital cash." After gaining over 60 lakh users in 2025, the RBI added features that work offline and can be programmed for areas with poor connectivity.

    Bihar's connectivity issues can make it hard to adopt the e-rupee now. However, the RBI is testing offline wallets for rural areas where UPI struggles. Your cousin won't need the internet, he can pay by simply tapping, just like using a ₹100 note. True inclusion means ensuring the digital economy works even when the internet is down.