What is e-RUPI, know how it works?


It has been a long time since complaints began to surface that government assistance is not reaching the people effectively as a result of the intervention of intermediaries and intermediaries. The Direct Benefit Transfer (DBT) was launched as an important step towards reducing corruption and fraud in welfare schemes.

The aim is to use the latest technology and IT equipment to make the funds flow faster and reach the right beneficiaries. The Prime Minister today unveiled the e-RUPI, the latest initiative of the Central Government to curb this ‘leakage’ of funds. Below is a description of everything you need to know about e-RUPI.

What is an e-RUPI?

e-RUPI is being introduced to promote digital payments in the country. Electronic voucher-based digital payment system developed by National Payments Corporation (NPCI). It has been developed on the UPI platform in collaboration with the National Department of Financial Services, the Ministry of Health and Family Welfare, and the National Health Authority. e-RUPI is the cashless contact form of digital payment.

How to use the e-RUPI service?

The e-RUPI system is dependent on mobile phones. This is a seamless one-time payment system. Beneficiaries will receive a QR code or SMS-based e-voucher on their mobile phone. It can be recovered from various service providers. For example, vouchers can be used at a hospital or health center. With the help of an e-RUPI payment service, the customer can use the voucher without the card, digital payment app, and internet banking. e-RUPI also provides a cashless Kovid vaccination facility.

Customers and service providers will be digitally connected to sponsors of e-RUPI services. It will also ensure that the service provider receives the payment only after the transaction is completed. It is based on prepaid service. So the service provider will make sure that the money is received on time. State Bank of India, HDFC Bank, Axis Bank, and Punjab National Bank are collaborating on the e-RUPI system.

Who are the e-RUPI beneficiaries?

e-RUPI service can be ensured for schemes that provide drug and nutritional support to women and children. It can be used for Maternal and Child Welfare Schemes, Tuberculosis Eradication Programs, AYUSH Mar Bharat, Pradhan Mantri Jan Arogya Yojana, and Fertilizer Subsidies. The Prime Minister’s Office said the digital vouchers could also be used by the private sector as part of their employee welfare schemes and CSR funds.

Mobile number is not enough Bank account required

DBT plans require a Jandhan account, Aadhaar number, and mobile number. Aadhaar number is not mandatory. But e-RUPI does not require bank account information. Only the mobile number of the beneficiary is required. The DBT scheme relies on 100 crore mobile connections to provide assistance to the beneficiaries. In 2019, it was reported that 85 percent of India’s urban population uses mobile phones.