e-RUPI is basically a digital voucher which a beneficiary gets on his phone in the form of an SMS or QR code.

It is a pre-paid voucher, which he/she can go and redeem it at any centre that accepts its.

For example, if the Government wants to cover a particular treatment of an employee in a specified hospital, it can issue an e-RUPI voucher for the determined amount through a partner bank.

The employee will receive an SMS or a QR Code on his feature phone / smart phone.

He/she can go to the specified hospital, avail of the services and pay through the e-RUPI voucher received on his phone.

Thus e-RUPI is a one time contactless, cashless voucher-based mode of payment that helps users redeem the voucher without a card, digital payments app, or internet banking access.

e-RUPI does not require the beneficiary to have a bank account, a major distinguishing feature as compared to other digital payment forms

It ensures an easy, contactless two-step redemption process that does not require sharing of personal details either.

Another advantage is that  e-RUPI is operable on basic phones also

hence it can be used by persons who do not own smart-phones or in places that lack internet connection.

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