eRupee Offline Wallets 2025: Supported Banks, Transaction Limits & Data-Free Payments

eRupee Offline Wallets 2025: Supported Banks, Transaction Limits & Data-Free Payments - Blockchain.News

India’s digital currency landscape reached a key milestone in 2025—the launch of eRupee offline wallets, designed for users to pay and receive digital rupees even in areas with unreliable data or internet. Spearheaded by the Reserve Bank of India (RBI), this initiative ensures financial inclusion and digital empowerment for every Indian.

Why Offline CBDC Is a Game-Changer

Millions still live or work without consistent connectivity. By making it possible for devices and smart cards to store and transfer digital rupees offline, RBI and leading banks have enabled seamless transactions, whether in bustling cities or remote villages.

Supported Banks and Access

The following banks have deployed eRupee offline wallet options:

State Bank of India (SBI)
HDFC Bank
ICICI Bank
Axis Bank
Bank of Baroda
Punjab National Bank
Kotak Mahindra Bank
Select rural/cooperative banks (via RBI pilot programs)

These wallets come as smartphone apps or NFC cards. Merchants and users can pay or receive eRupee through taps or scans, with transactions verified offline and synced to the central CBDC ledger once back online.

Transaction Limits and Security Safeguards

To ensure safety and flexibility:

Daily offline transaction limit: ₹5,000 per user
Single transaction cap: ₹500
Offline wallet balance limit: ₹10,000 until device reconnects
Security protocols: Hardware-backed security (NFC cards, encrypted chips), multi-factor authentication, and automatic fraud detection during syncing

Real-World Impact

Urban commuters pay for transit fares easily.
Villagers receive government benefits regardless of coverage gaps.
Small businesses accept quick, tap-and-go digital payments.
Funds and payments reach underserved communities, making digital currency accessible year-round.

Key Takeaway

With eRupee offline wallets, all Indians benefit from convenient, secure digital payments—no data or connectivity required. Supported by top banks and smart safety limits, 2025’s financial inclusion drive is making digital cash a reality across India.

Sources: Reserve Bank of India. "Digital Rupee (e₹) – FAQs." RBI, 2025, Moneycontrol. "How to get a digital rupee wallet through your bank." 22 July 2025, Economic Times. "RBI e-rupee: How to use central bank digital currency." 23 June 2025, PIB. "INTRODUCTION OF CENTRAL BANK DIGITAL CURRENCY." 1 February 2022, Economic Times. "CBDC big update: Soon use RBI's Digital Rupee for offline transactions." 6 August 2025, IJRPR. “e-Rupee and the Future of Payments in India.” August 2025.

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