भारतीय रिजर्व बैंक द्वारा डिजिटल रुपया (CBDC) के दायरे का विस्तार
आरबीआई ने खुदरा डिजिटल रुपये के उपयोग को बढ़ाने के लिए नई सुविधाओं और अधिक बैंकों को शामिल करने की घोषणा की है।
2-Minute Summary (TL;DR)
- The RBI expanded the retail digital rupee (e-Rupee) pilot on April 24, 2026, to include 25 additional major banks.
- A key new feature introduced is 'offline payment' capability for the digital rupee.
- Offline payments allow transactions without requiring an active internet connection.
- The expansion aims to increase financial inclusion, especially in rural areas with limited internet connectivity.
- The digital rupee pilot was initially launched in December 2022.
- The e-Rupee is intended to complement physical currency and offer a secure digital payment alternative.
- This initiative is expected to reduce the costs associated with managing physical cash.
- The move aligns with India's broader 'Digital India' vision and aims to modernize payment systems.
How This Topic is Tested in Competitive Exams
| Exam | Frequency | Approx. Marks | What Gets Asked |
|---|---|---|---|
| Banking (IBPS / SBI) | Very High | 6–10 | RBI policy, inflation, CRR/SLR, monetary committee decisions — banking exams test the full spectrum. |
| SSC (CGL / CHSL / MTS) | Medium | 2–4 | Budget highlights, GDP data, and government economic schemes appear in SSC CGL GK section. |
| UPSC / State PCS | High | 10–20 | Economy is a core UPSC subject. Economic Survey, budget, and policy changes are heavily tested. |
Key Facts to Remember: भारतीय रिजर्व बैंक द्वारा डिजिटल रुपया (CBDC) के दायरे का विस्तार
- The RBI expanded the retail digital rupee (e-Rupee) pilot on April 24, 2026, to include 25 additional major banks.
- A key new feature introduced is 'offline payment' capability for the digital rupee.
- Offline payments allow transactions without requiring an active internet connection.
- The expansion aims to increase financial inclusion, especially in rural areas with limited internet connectivity.
- The digital rupee pilot was initially launched in December 2022.
- The e-Rupee is intended to complement physical currency and offer a secure digital payment alternative.
- This initiative is expected to reduce the costs associated with managing physical cash.
- The move aligns with India's broader 'Digital India' vision and aims to modernize payment systems.
Practice Questions
Q1. On what date did the RBI announce the significant expansion of the digital rupee pilot, including the addition of 25 more banks?
- December 2022
- April 24, 2026
- January 1, 2023
- March 15, 2025
Explanation: The Reserve Bank of India announced the expansion of the digital rupee pilot, including the addition of 25 more banks and the introduction of offline payment features, on April 24, 2026.
Q2. What is a major new feature introduced for the digital rupee (e-Rupee) as part of its expanded pilot program?
- International transaction support
- Interest-bearing accounts
- Offline payment capability
- Integration with stock markets
Explanation: The most significant new feature announced for the digital rupee is its 'offline payment' capability, which allows transactions to be completed without an active internet connection.
Q3. Which of the following is a primary objective behind expanding the digital rupee's accessibility and introducing offline payment features?
- To replace all physical currency immediately
- To increase financial inclusion and reduce reliance on cash in areas with poor connectivity
- To compete directly with private cryptocurrencies like Bitcoin
- To exclusively serve large corporate transactions
Explanation: A key goal of the expansion, particularly the offline payment feature, is to enhance financial inclusion by making digital payments accessible even in areas with unreliable internet, thereby reducing the need for physical cash.
Q4. When was the initial pilot project for India's Central Bank Digital Currency (CBDC), the digital rupee, launched?
- April 24, 2026
- January 1, 2024
- December 2022
- March 2023
Explanation: The Reserve Bank of India (RBI) initiated the pilot project for its Central Bank Digital Currency (CBDC), the digital rupee, in December 2022.
Q5. The expansion of the digital rupee is expected to have which of the following economic impacts?
- Increase the cost of printing and managing physical currency
- Reduce the effectiveness of monetary policy transmission
- Lower the costs associated with managing physical currency
- Discourage digital payment adoption
Explanation: By promoting a digital alternative, the expansion of the e-Rupee is anticipated to significantly reduce the substantial costs incurred by the RBI and commercial banks in printing, distributing, and managing physical cash.
How to Prepare Economy & Finance for Government Exams — भारतीय रिजर्व बैंक द्वारा डिजिटल रुपया (CBDC) के…
Track current Repo Rate, Inflation rate, and GDP growth. These three numbers appear in almost every banking exam.
Keep a running note of new schemes with their ministry, launch date, and target beneficiary group.
Focus on the Economic Survey and Union Budget highlights — these single documents generate dozens of exam questions.
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