What is eRupi? How does it work? Explained

A few days ago the Indian Government has launched a Concept of new payment which has been named as eRupee or eRupi.

So many people have doubts that what is eRupi? In such a situation, we have decided to share some information on eRupi so that people clearly know what it eRupi is? And how can download and use ERupi App?

After the launch of eRupi payment by the Government of India, people thought that it is a cryptocurrency that is made for India.

But eRUPI is a little different from cryptocurrency. Here we will you give information about so that you will understand what kind of electronic currency it is? And also we will give you complete information about how to download E-RUPI App? you will learn about using it and will be able to use it yourself in the future.

What is eRupi?

The full name of eRupi is Electronic Rupee Unified Payment Interface, which is a Voucher based digital payment system. Which has been made keeping in mind the successful BHIM UPI payment of the Government of India. You can also call it a Prepaid e-voucher, in which you have to put money first, and then you will be able to use it.

e-RUPI has been made by the NCPI (National Payment Corporation of India) and the Finance Department and has been validated by RBI (Reserve Bank of India).

Prime Minister Narendra Modi himself has announced complete information about this through the video. And how can the user use it? If you want, you can watch this video yourself.

This is the first step of the Government of India towards digital currency. If you think that it is Cryptocurrency, then it is not like that.

As would be seen with its name electronic voucher-based digital payment system, in which the user will get payment vouchers on prepaid, which can be used as a method of payment.

E-RUPI is a contactless and cashless mode of payment that will be used by SMS and QR codes. At the time of launch, some limits have been set in which users can use it as a gift voucher and can pay without a credit card or debit card anywhere if it is accepted.

Some Key Features Of eRupi

  • eRupi will be a contactless and cashless mode payment system.
  • You will get a eVouncher to the user through a QR code or SMS.
  • The payment will be sent directly to the beneficiary’s account through just a voucher code.
  • Users will be able to make payment from this at the service provider center on behalf of the government.
  • The person who will be given the eRupi voucher will be directly linked to his mobile number so that no one else can mis use it.

Who developed eRupi?

eRUPI has not been developed private company, it is made by the Government of India. eRupi has been made with contributions from NPCI (National Payment Corporation of India), Financial Services, Ministry of Health and Welfare, and National Health Authority.

How does eRUPI work?

As I already mentioned that eRUPI is a cashless and contactless digital payment mode that will be sent directly to the user’s mobile through SMS or QR Code. basically, it is a kind of prepaid voucher that will be used for payment.

Through eRupi, users will be able to pay without credit, debit card, internet banking, and mobile banking which makes it completely different from other payment systems. Any beneficiary who will get its benefit will be sent a voucher code through SMS or he will get paid through a QR code.

How will these vouchers be issued?

NPCI is making its eRUPI system on its UPI platform users that will get access to it from here and NCPI has included all the banks in the country. All banks will be able to issue their own eVoucher and they will issue their own eVoucher on the UPI platform which can be purchased by paying in advance.

Any person who has an account with any bank and uses the UPI App, then he can create a voucher for another person and send it. For this, the name and mobile number of the beneficiary should be there, only then QR code and SMS can be sent.


Here we have explained in the detail What is eRupi and e-RUPI digital payment which is launched by the Government of India. it will be a contactless and cashless payment that has been recently launched by the Indian Government.

We have explained all its facts and information in detail here. Hope you liked this article on what is e-rupi and it has been helpful for you to understand this electronic payment system if you have any questions or suggestions, then definitely tell me about it in the comment.

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