What is e-RUPI and how does it work?

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A Digital payment system - The One-Time-Payment Mechanism - developed by the National Payments Corporation of India (NPCI) in collaboration with the Department of Financial Services, Ministry of Health & Family Welfare and National Health Authority.

Date of Launch : 2nd August, 2021


- e-RUPI is a cashless and contactless digital payments medium. which will be delivered to mobile phones of beneficiaries in form of an SMS-string or a QR code.

- This will essentially be like a prepaid gift-voucher that will be redeemable at specific accepting centers (Service providers) without any credit or debit card, a mobile app or internet banking.

- The beneficiaries will be identified using their mobile number and a voucher allocated by a bank to the service provider in the name of a given person would only be delivered to that person.


Services Where Can Be e-RUPI Used

- e-RUPI can be used for delivering services under schemes meant for providing drugs and nutritional support under Mother and Child welfare schemes, TB eradication programmes, drugs & diagnostics under schemes like Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, fertiliser subsidies etc.

The government expects it to be a revolutionary initiative in the direction of ensuring a leak-proof delivery of welfare services.

Even the private sector can leverage these digital vouchers as part of their employee welfare and corporate social responsibility programmes, the PMO stated.


How Does It Work?

e-RUPI connects the sponsors of the services with the beneficiaries and service providers in a digital mode without any physical interface, the government informed.

The mechanism also ensures that the payment to the service provider is made only after the transaction is completed. The system is pre-paid in nature and hence, assures timely payment to the service provider without the involvement of any intermediary.






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