e-RUPI l What is e-RUPI l e-RUPI Digital Payment Platform 2021


e-RUPI is a QR code or SMS string-based e-voucher, which is delivered to the mobile of the beneficiaries

e-RUPI is a cashless and contactless person- and purpose-specific digital payment solution launched by Prime Minister Narendra Modi via video conference on Monday.


Addressing the event, the Prime Minister said that the e-RUPI voucher is going to play a huge role in making DBT more effective in digital transactions in the country and will give a new dimension to digital governance. This will help everyone in targeted, transparent and leakage-free delivery. He said e-RUPI is a symbol of how India is progressing by connecting people’s lives with technology.

‘e-RUPI can be issued by a government or by corporates to their employees for targeted use as it only allows purchase from merchant outlets, but does not permit direct cash-out or peer-to-peer transfer,” said Mihir Gandhi – Partner & Leader – Payments Transformation, PwC 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. The users of this seamless one-time payment mechanism will be able to redeem the voucher without a card, digital payments app or internet banking access, at the service provider.

Full from of E-Rupi

Prime Minister Narendra Modi launched a contactless, prepaid, electronic prepaid system called e-RUPI on Monday.


Read More E rupi in hindi


It has been developed by the National Payments Corporation of India in collaboration with the department of financial services, health ministry and the National Health Authority.

How to use e-RUPI vouchers

These vouchers are like e-gift cards, which are prepaid in nature. The code of the cards can be shared either via SMS or the 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 can benefit from these vouchers.

Where will e-RUPI vouchers be used?

These vouchers will be used mostly for health-related payments. Corporates can issue these vouchers for their employees.

List of banks that are live with e-RUPI

InfrasoftTech provides an e-RUPI technology stack to banks by helping them in implementing the technology – right from integration with the existing systems to deployment as per their target beneficiaries.

Currently, it is working with two of the 11 live banks as per NPCI. It is shortly adding more client banks with e-RUPI features.

The two banks are Punjab National Bank and Bank of Baroda.

Key Highlights Of e-RUPI Digital Payment

Name Of The Article e-RUPI Digital Payment
Launched By Government Of India
Beneficiary Citizens Of India
Objective To Provide Cashless And Contactless Instrument For Making Digital Payments
Official Website https://www.npci.org.in/
Year  2021

Objective Of e-RUPI Digital Payment

The main objective of the e-RUPI digital payment platform is to provide a cashless and contactless payment system so that citizens can make digital payments without any kind of difficulty. With the help of this payment platform, users can make payments in a secure manner. This payment platform uses QR code or SMS string-based e-voucher which will be delivered to the mobile of the beneficiary. e-RUPI digital payment platform ensures the timely payment of the services without the involvement of an intermediary. Users are not required to carry any cards or digital payment app or have internet banking access in order to make payments which will make the payment process simple and secure

List Of Banks That Are Live With e-RUPI

Name of Banks Issuer Acquirer Acquiring App
Union Bank of India Yes No NA
State bank of India Yes Yes YONO SBI Merchant
Punjab national bank Yes Yes PNB Merchant Pay
Kotak bank Yes No NA
Indian bank Yes No NA
Indusind bank Yes No NA
ICICI bank Yes Yes Bharat Pe and PineLabs
HDFC bank Yes Yes HDFC Business App
Canara bank Yes No NA
Bank of Baroda Yes Yes BHIM Baroda Merchant Pay
Axis bank Yes Yes Bharat Pe

Features Of e-RUPI Digital Payment

  • The honourable Prime Minister of India Mr Narendra Modi is going to launch a digital payment platform called e-RUPI digital platform on 2 August 2021
  • This platform will be cashless and contactless instrument
  • Through this system users can make digital payments through QR code or SMS string based e-voucher
  • This voucher will deliver to the mobile of the users
  • Users can redeem this voucher without any payment app, internet banking or card
  • The national payment Corporation of India has developed e Rupi Digital Payment service on its UPI platform.
  • The collaborating partners are the Department of financial services, Ministry of health and family welfare and national health authority
  • Through this initiative the sponsor of services will be connected with the beneficiaries and service providers. This connection will be held in a digital manner without any kind of physical interface
  • Through this platform the payment to the service provider will be made after the completion of transaction
  • This payment platform is prepaid in nature
  • e-RUPI does not require any kind of service provider to make payment
  • This platform can also be used for providing services under schemes which are meant for providing drugs and nutritional support.

Benefits Of e-RUPI

Benefits for Consumers  Payment processes is contactlessOnly have to follow a two-step redemption process need to have any kind of digital payment app or bank account consumer is not required to share his or her personal details In order to maintain privacy
Benefits for Hospitals  The voucher is prepaid hence the payment process is completely secure voucher can be redeemed in few steps hospitals are not required to handle cash hence hasslefree and contactless payments can be ensured voucher is authorized through a verification code which makes the payment process easy and secure
Benefits for Corporates  The well-being of employees can be enabled by the corporate voucher distribution quick, safe, and contactless issuer can track the voucher redemption leads to cost reduction because the transactions are digital and don’t require any physical issuance

Other Services Provided By NPCI

National Payment Corporation of India is responsible for operating retail payment and settlement systems in India. The national payment corporation is offering the following type of services to the citizen of India:-

Unified payment interface (UPI)

Through this feature, the multiple bank accounts of a person can merge into a single mobile application.

Rupee and Payment (RuPay)

It is a domestic card payment network of India that accept at ATMs, POS devices, and e-commerce websites throughout the country. It is a secure network that protects the users against anti-phishing

Bharat Interface For Money (BHIM)

BHIM is an app through which you can make simple, easy, and quick payments and transactions by using your unified payment interface. Instant bank to bank payments can make through BHIM and the user can also collect money using just a mobile number or virtual payment address

National Automated Clearing House (NACH)

Through NACH interbank high-volume electronic transactions which are repetitive and periodic in nature are facilitated. This platform is used by banks, financial institutions, corporate and the government

Immediate Payment Service (IMPS)

Through IMPS 24×7 interbank electronic fund transfer ensure through multiple channels like mobile, internet, ATM, SMS, etc. It is a robust and real-time fund transfer system that transfers the fund instantly within banks across the country. IMPS is totally safe and economical.

National Electronic Toll Collection (NETC)

in order to meet the electronic tolling requirement of the Indian market, the National Payment Corporation of India has developed a national electronic toll collection. Through this platform nationwide toll payment solution offer which includes clearing house service for settlement and dispute management

BHIM Aadhaar

through BHIM Aadhaar merchants are unable to receive digital payments from the customers. This platform works through Aadhaar authentication. Through this platform, merchants accept payment from customers of banks by authenticating their biometrics

Adhaar Enabled Payment System(AePS)

AePS Is the online interoperable financial inclusion transaction that is done at POS through the business correspondent of the bank by using Aadhaar authentication. You can do six types of transactions through this platform. Customers require to input only bank name, Aadhaar number, and fingerprint captured during enrolment in order to make payment

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National Financial Switch(NFS)

It is a network that has 37 members and connects 50,000 ATMs. This platform establishes strong and sustainable operational models having in-house capabilities. The operational functions and services in national financials switch are at par with other global ATM networks.

Cheque Truncation System(CTS)

It is a process of clearing cheques electronically rather than processing the cheque physically. This process takes place by presenting a bank en-route to the paying bank branch. National Payment Corporation of India is responsible for Managing this platform. This system is also going to save a lot of time.

Highlights Provided By The Chief Executive Chairman Of National Health Authority

The chief executive chairman of the National health authority has appreciated the e-RUPI initiative which has been launched under the Digital India mission. He has highlighted the fact that this payment platform is as important as BHIM UPI. This platform is a person and purpose-specific instrument which is based on the architecture of UPI. He has also highlighted the purpose-specific nature of this instrument. As of now the government or other institutions are not required to give money for various types of benefits. In place of money, they can issue this voucher and the beneficiary can be able to only use this voucher for the purpose it has been issued.

  • This platform is real-time and paperless. Health, nutrition, education, etc departments will be able to take advantage of this platform. Along with that, it can be used for the national Digital Swasthya mission. This voucher is recognized by the Reserve Bank of India.
  • Through this platform, direct fund transfers can be made to the service provider. This voucher can use only one time.

Highlights Provided By Honorable Prime Minister Narendra Modi

  • On the occasion of launching the e-RUPI platform the honorable prime Minister of India has highlighted various benefits of this platform.
  • He has highlighted the fact that this initiative is a step towards digital governance.
  • With the help of this platform digital transactions can be made easily and this platform will play a major role in making digital payments effective.
  • This voucher will help in making transactions in targeted, transparent and leakage free manner.
  • The Prime Minister has also highlighted the fact that India is moving ahead with the help of digital technology.
  • The standard of living of citizens is improving and technology is playing a major role in the lives of citizens of India.
  • He has also expressed his gratitude that this initiative is being launched when the nation is celebrating Amrit mahotsav on 75th independence day.
  • This voucher can not only be used by the government but NGO can also provide this voucher in place of cash if they want to help someone in education, health etc.
  • This initiative will ensure that money provided to beneficiaries is used for the same purpose.
  • In the initial phase of this scheme only health sector benefits will cover.
  • The prime Minister has given various examples of using this voucher like in vaccination drives, old age homes, for hospitals etc.
  • This voucher is person and purpose specific.
  • Only the person for whom this voucher has issued can use it.
  • He has also highlighted the importance of technology.
  • The banks and payment gateways have played a major role in launching this platform.
  • Many private hospitals, corporates, businesses, NGOs and other institutions have shown their interest in e-RUPI platform.

View List Of Live Hospitals On e-RUPI

  • First of all go to the official website of national payment Corporation of India
  • The home page will open before you
  • On the homepage click on what we do Option
  • Now you have to click on UPI
  • After that you have to click on e-RUPI live partners
  • After that you have to click on Live Hospitals on e-RUPI
  • A PDF file will appear before you
  • In this PDF file you can view list of live hospitals on e-RUPI.

Download e-RUPI Digital Payment Mobile App

  • First of all open Google play store or Apple App Store in your mobile phone
  • Now in the search box you have to enter e-RUPI Digital payment
  • After that you have to click on search
  • A list of apps will display before you
  • You have to click on the first option
  • After that you have to click on install
  • e-RUPI digital payment mobile app will download in your device

Procedure To Redeem e-RUPI Voucher

  • The beneficiary have to show the e-RUPI QR code or SMS at the service provider outlet
  • The salesperson require to scan this QR code or SMS
  • Now an OTP will receive through the beneficiary
  • The beneficiary have to to share this OTP with the service provider
  • Service provider have to enter this OTP into the OTP box
  • Now service provider have to click on proceed
  • Payment will make to the service provider

Contact The Department

  • Visit the official website of national payments Corporation of India
  • The homepage will open before you
  • On the homepage click on get in touch Option
  • Now a new page will appear before you
  • On this new page you have to enter the following details:-
    • Name
    • Email ID
    • Contact
    • Subject
    • Description
    • Captcha code
  • After that click on submit button
  • By following this procedure you can contact the department

View Contact Details Of Offices Of NPCI

  • Go to the official website of national payments Corporation of India
  • The homepage will open before you
  • Now you have to click on get in touch option.
  • A new page will open before you
  • You have to scroll down
  • At the bottom of the page you can view the details of offices of NPCI

Helpline Number

Through this article, we have provided you with all the important details regarding e-RUPI digital payment. If you are still facing any kind of problem then you can contact the department through its helpline number in order to solve your problem. The helpline number is 18001201740.


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