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What is e-RUPI and how it works, let us know in simple language


Prime Minister Narendra Modi launched digital payment solution e-RUPI on August 2, 2021. E-RUPI is a cashless and contactless means for digital payments which will play a vital role in making Direct Benefit Transfer (DBT) more effective.

This will provide a new dimension to digital governance. The initiative is based on digital transactions merged with technology to connect the lives of people in India.

What is e-RUPI?

It is a QR code or SMS string-based e-voucher, which is delivered to the mobile of the beneficiaries. Users of this on time payment mechanism will be able to redeem vouchers at the service provider without having access to a card, digital payment app or internet banking. It has been developed by National Payments Corporation of India in collaboration with Department of Financial Services, Ministry of Health and National Health Authority.

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How to use e-RUPI voucher

These vouchers are like e-gift cards, which are prepaid. The code of the card can be shared through SMS or OR code can be shared. These e-vouchers will be person and purpose-specific. Even if one does not have a bank account or a digital payment app or a smartphone, one can still avail of these vouchers. These vouchers will be mostly used for health related payments. Corporates can issue these vouchers for their employees.

Advantages of Digital e-RUPI

The best part is that it is not necessary for the beneficiary to have a bank account. As it ensures an easy, contactless two-step redemption process that does not require sharing of personal details. The best part of e-RUPI is that it works comfortably on a basic phone without internet connection.

Banks issuing digital e-RUPI

National Payments Corporation of India (NPCI) has partnered with 11 banks for e-RUPI transactions. Let’s take a look at them.

  1. axis Bank
  2. Bank of Baroda
  3. Canara Bank
  4. HDFC bank
  5. ICICI Bank
  6. Indian Bank
  7. IndusInd Bank
  8. Kotak Mahindra Bank
  9. Punjab National Bank
  10. State Bank of India and
  11. Union Bank of India


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