The Reserve Bank of India (RBI) launched the offline digital rupee at the Global Fintech Fest 2025 in Mumbai.
The key feature of this new system is that it allows digital payments without internet or mobile network access.
You can use it just like cash — simply scan or tap a QR code to complete your payment.
Your money is stored safely in a digital wallet, making it easy to use anytime and anywhere.
What is the Digital Rupee?
The Digital Rupee (e₹) is India’s Central Bank Digital Currency (CBDC) — a digital version of the Indian rupee.
It works just like the cash in your wallet, except it exists in digital form.
You can even use it offline, without internet, by storing it in your digital wallet.
Unlike regular online payments, you don’t need to access your bank account for every transaction.
You can download the digital rupee app from the Google Play Store or Apple App Store, register, and start making payments to any person or business.
Who Will Benefit the Most?
The offline payment feature will greatly benefit people living in rural and remote areas, where internet and mobile signals are weak.
This system uses telecom networks and NFC-based technology to enable payments without the internet, making transactions faster and simpler for everyone.
Where Is the Digital Rupee Available?
The Digital Rupee wallet is being launched across several major banks in India, including:
SBI, ICICI Bank, HDFC Bank, IDFC First Bank, Yes Bank, Union Bank of India, Bank of Baroda, Kotak Mahindra Bank, Canara Bank, Axis Bank, IndusInd Bank, Punjab National Bank, Federal Bank, and Indian Bank.
