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Digital Rupee (e₹)
India's First Digital Currency!
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Digital Rupee app is an e₹ wallet application that enables users to conduct transactions using digital rupee tokens.
It can be used to pay for goods & services and send money to anyone in form of digital currency.
 Load e₹ Allows a user to load the digital rupee tokens in the wallet according to their denominations. |
 Collect (Receive) e₹ Allows a user to request e₹ tokens from another user via a QR code |
 Send (Transfer) e₹ Allows a user to pay for goods & services and send money to anyone in the form of e₹ |
 Redeem (Unload) e₹ Allows a user to withdraw available e₹ token balance from their wallet and transfer to their linked bank a/c |
e₹ Wallet Registration
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With the Kotak Digital Rupee (e₹) app, you can now scan any UPI QR to make payments at the merchant outlet using India’s own CBDC.
Pay for your Groceries, Dairy Products and more via Kotak e₹ wallet.
For more details, refer to the Concept Note of CBDC from RBI
Please click here for Terms & Conditions for the Digital Rupee Cashback in Kotak e₹ wallet
India’s CBDC also known as Digital Rupee (e₹) is a digital form of physical currency denomination issued by the Reserve Bank of India.
A token-based CBDC is a bearer instrument like bank notes in digital form, meaning whosoever holds the digital tokens at a given point in time would be presumed to own them. It is the preferred mode for Retail CBDC as it would be closer to physical cash.
No. e₹ can be used to pay for goods & services and send money to friends and family in form of digital tokens only in India.
e₹ is a digital form of physical currency. Its usage is not only limited to payments but also serves the purpose of parallel currency and importantly, ‘store of value' as it represents a currency issued by the Reserve Bank of India. UPI or other modes of fund transfers like NEFT / RTGS / IMPS are forms of payment.
