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Digital Rupee
Central Bank Digital Currency (CBDC) also known as “Digital Rupee” or “e₹” is defined by RBI as a legal tender issued by a central bank in a digital form. It is the same as a sovereign currency and is exchangeable one-to-one at par (1:1) with existing currency. Digital rupee (e₹) will offer features of physical cash like trust, safety and settlement finality with atomicity (i.e. immediate settlement of transactions) in digital mode. Digital rupee (e₹) represents a direct claim on the central bank. It can be used to carry out transactions or store value digitally, similar to the manner in which currency notes are used in physical form.
1 e ₹= 1 Rupee
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Register your account
Setting up the Axis Bank Digital Rupee App
Once you download the Axis Bank Digital Rupee App, these few simple steps will help you set up your account. Watch this video to learn more.
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Using CBDC (Central Bank Digital Currency) has never been easier.
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Using our app, you can access the sovereign currency with a few clicks, in less than 5 minutes. Now, you can be assured that your money is safe, without the hassle of managing physical cash.
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Once you download the Axis Bank Digital Rupee App, these few simple steps will help you set up your account.
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You can start transacting, treating your phone as a wallet, without the trouble of counting your change.
Watch this video to learn more.
That’s it! You can now enjoy your Digital Rupee Wallet and start transacting!.
Download the Digital Rupee app
Managing your digital currency has never been easier with the Axis Bank Digital Rupee App. Download it from the App Store or Google Play store and transact seamlessly with Digital Rupee (e₹).
Download Now on :
Setup & Usage Guide
How to Register for Digital Rupee (e₹) wallet?
- 01
Download Axis Bank Digital Rupee App using QR / Link given above.
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Select the SIM (linked to your Axis Bank Saving Account).
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Select login method (You can choose among PIN, Pattern or Biometric methods).
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Set 6-digit wallet PIN.
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Select Axis Bank Savings Account you wish to link to complete KYC.
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Validate linked Axis Bank Savings Account using debit card details (last 6-digit number and expiry date).
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Congratulations! You're all set to use Axis Bank Digital Rupee App.
How to Load Digital Rupee (e₹)?
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Download Axis Bank Digital Rupee App and complete registration.
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Choose "load" option on home page and enter the desired amount or select from the available token denominations.
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Select the loading method from the following options:
- Linked Savings Bank Account
- Other UPI Account
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Follow the onscreen instructions to complete the "Load".
How to Redeem Digital Rupee?
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Login to Axis Mobile Digital Rupee App and select "redeem" on home page.
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Select the denominations of tokens to redeem or select "redeem all" to unload all available tokens in your wallet.
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Select the linked Axis Bank Savings Account that needs to be credited and enter wallet PIN.
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Digital Rupee tokens are unloaded from your wallet and the linked Axis Bank Savings account will be credited with corresponding amount.
How to Send money using Digital Rupee (e₹)?
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Login to Axis Bank Digital Rupee App and choose the "Send" option on home page.
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You can choose the phone number/contact option for payment to your contacts.
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Alternately you can choose QR code or the QR code scan option from the home page to scan the Digital Rupee (e₹) QR code to pay other individuals/ merchants.
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Follow the onscreen instructions and click on "Send Transaction" to complete."
How to Send money using Digital Rupee (e₹)?
Now you can send digital rupee to individuals/merchants by scanning UPI QR.
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Login to Axis Bank Digital Rupee App and choose the "Send" option on home page. Alternatively you can choose QR code option from home page to scan any UPI QR.
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Select denomination / enter amount and enter wallet PIN to authenticate transaction.
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Merchant/ Individual UPI linked Savings Account will be credited.
How to de-register Digital Rupee Wallet?
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Login to Axis Bank Digital Rupee App and choose "Deregister wallet" option under profile.
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Enter Wallet PIN to give consent for deregistration.
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Digital Rupee present in wallet (if any) will automatically deposit to linked Axis Bank Savings Account.
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Post successful redemption, deregistration will be completed.
How to use Auto load feature?
This features when turned "On", will auto load the excess amount needed to the complete the transaction.
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Login to your Axis Bank Digital Rupee App.
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Turn on the toggle switch for Auto load on Home screen.
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Read the terms and conditions for the feature and click on Submit.
Please note: The maximum limit for Auto load is set at ₹2,000. When the excess amount exceeds the above threshold, you will have to load your wallet manually.
Start transacting with Digital Rupee (e₹) at any merchant
Axis Bank Digital Rupee app can be used to make payments to any merchant having a CBDC wallet & merchants who are using UPI as an accepted mode of payment. Basically, you can use this app to pay to any merchant by scanning their QR code.
Frequently Asked Questions
Central Bank Digital Currency (CBDC) also known as “Digital Rupee” or “e₹” is defined by RBI as a legal tender issued by a central bank in a digital form. It is the same as a sovereign currency and is exchangeable one-to-one at par (1:1) with existing currency. e₹ represents a direct claim on the central bank. It can be used to carry out transactions or store value digitally, like the manner in which currency notes are used in physical form.
Digital Rupee (e₹) can be held in a wallet issued by banks and can be linked to your existing Bank Savings account. The wallet is a digital version of your physical wallet and Digital Rupee (e₹) can be deposited/ withdrawn to/from your existing bank Savings account into this wallet.
Digital Rupee (e₹) is a form of currency, a digital version of physical currency which one can use to make payments, whereas UPI or other fund transfer modes are only forms of payment. Digital Rupee (e₹) transactions occur between Digital rupee wallets and UPI QR codes, whereas UPI and other modes of payment like NEFT/RTGS/IMPS supports money transfer from Bank account to Bank account.
You can transact in Digital Rupee (e₹) through a convenient and safe digital wallet offered by Axis Bank. Digital Rupee (e₹) can be used to make payments to merchants and individuals, who also hold a Digital Rupee (e₹) wallet via mobile number or scanning Digital Rupee (e₹) QR codes. Digital Rupee app is interoperable with UPI and can also be used to scan and pay to existing UPI QR codes of merchants.
- Download the Axis Mobile Digital Rupee (e₹) App from Google Play Store or App Store
- Select the SIM (linked to your Axis Bank Savings Account)
- Select login method (You can choose among PIN, Pattern or Biometric methods)
- Set a 6-digit wallet PIN.
- Select the Axis Bank Savings Account you wish to link to complete the KYC process.
- Validate the linked Axis Bank Savings Account using debit card details (last 6-digit number and expiry date)
- You're all set to use Axis Bank Digital Rupee (e₹) App
Digital Rupee wallet can hold maximum of 250 tokens/denominations (coins & notes) with the maximum amount of ₹1 lakh. This limit has been defined by RBI for the Digital Rupee product across banks & will be updated from time to time. Additionally, in the event token/denomination count is exceeding the limit but the wallet balance is within limit, an automated change management will happen to accommodate the additional tokens/denominations. So basically, a user can hold up to ₹1 lakh at any given point in the wallet. Cooling period will be applicable for the new customers, and they will be able to load ₹5,000 per day. Cooling period will be applicable for 5 days post registration.
You can transfer cumulative amount of ₹50,000 or total of 20 transactions in a day. For a new customer, cooling period is applied for the first 5 days after registration wherein cumulative transaction amount limit is 5 thousand and total transaction count is 10. Daily transaction limit of ₹50,000 /20 transactions will be applicable after 5 days. Cooling period will also be applicable for 5 days in the event a customer re-registers after de-registration, changes pin on the app or re-installs the app after deleting it.
No. Transfers (Send money via mobile number, CBDC QR and UPI QR) to both individual and merchants are considered in the daily transaction limits.
You can transfer maximum of ₹10,000 (or 50 denominations/tokens) for each transaction.
You can do a maximum of 5 transactions (excluding load & redeem) per hour on the Axis Mobile Digital Rupee App. This limit is set to safeguard customers against potential fraudster activity as mandated by the RBI.
You can redeem maximum of ₹1 lakh per day. Each transaction redeem limit is ₹25,000
No. You can only open and operate one wallet against your savings account on Axis Mobile digital rupee App.
- Newly registered users
- Existing users who de-registered & re-registered
- Users who changed their MPIN
- Users who uninstalled & reinstalled the app
During cooling period, only a cumulative value of ₹5,000 or total transaction count of 10 is allowed. Cooling period duration is 5 days.
Digital Rupee can be loaded using Axis Bank Digital Rupee App.
- Download Axis Bank Digital Rupee App and complete registration.
- Choose the load option and enter the desired amount or select from the different denominations of Digital Rupee
- Select the loading method as Linked Savings Bank Account
- The amount is debited from the Bank Account and Digital Rupee Tokens are loaded in the wallet successfully.
User can choose to redeem/unload Digital rupee to their Savings account.
- Log-in to the Axis Bank Digital Rupee App and select redeem from home page.
- Select the amount/ denominations of tokens to unload.
- Select the Linked Axis bank Savings account that needs to be credited and enter wallet PIN.
- Digital Rupee Tokens are unloaded from your wallet and the linked Axis Bank Savings account will be credited with corresponding amount.
Yes, Digital rupee can be closed/deregistered in case no longer required by user.
- Log-in to Axis Bank Digital Rupee App and choose deregister wallet under profile section.
- Enter Wallet Pin to confirm the consent for deregistration.
- Digital Rupee present in wallet (if any) will automatically deposit to linked Axis Bank Savings account.
- Post successful redemption, deregistration will be completed.
Mobile number and scanning of QR code are 2 ways in which you can send money from your Digital Rupee (e₹) wallet to other registered users with Digital Rupee (e₹) wallet/ users with valid UPI QR Code.
- Log-in to Axis Bank Digital Rupee App and choose send option on home page.
- You can choose phone number/ contact option for payment to your contacts.
- Alternately you can choose QR code or the QR code scan option from the home page to scan the Digital Rupee (e₹) QR code to pay other individuals/ merchants.
Yes. You can scan and Pay to any merchants/ individual’s QR code. Money shall be deducted from your axis digital rupee wallet and credited in the receiver’s UPI linked bank account.
- Login to the Digital Rupee (e₹) app and click on settings >> PIN settings >> Forgot PIN
- Enter last 6 digits of Axis debit card and the expiry date.
- Enter and re-enter the new PIN.
No, there are no charges/fees associated with receiving or transferring Digital Rupee (e₹) or issuance of Digital Rupee (e₹) wallets. There is no minimum balance required to open/ maintain e₹ wallet
No, as it is Digital form of currency note, there is no interest paid on digital currency in your Digital Rupee (e₹) wallet.
You can raise disputes with Customer Care via call 18004190013 or email at digitalrupee.support@axisbank.com
Non- Axis Bank customers cannot use Axis bank Digital Rupee (e₹) app in pilot. However, they may use their own bank Digital rupee wallet to transact with e₹ (Digital rupee) if they are invited for pilot by their respective bank.
Yes. Please refer to the below table for matching checksum shown in your app:
| Platform | App version | Checksum value |
|---|---|---|
| Android | 0.1.13 | buSX6KjnOL43yKBNwR7zUpshai+5zNxujT3GP1GWEAvpKqw5VF9YAKG8pZMznp99 |
| Android | 0.1.14 | x5PMJiFS07RsLp5Kp7geOBcrgaztSttY36pG2oh9574ErWjO+9leFIW9ZQPX/q2x |
| Android | 0.1.15 | T3ujHL9MLT38mKUEEUkTbmYrw3znA3A6gteaKX2Cltk2Yz8sc+xjqzoZQiDFJDJu |
| Android | 0.1.16 | 1OhEW1PF5ekeXEWgwUXC1FT7PwZ9Qi20Dmnoin47k7Q09POKzxPTZZNENVeFbNAe |
| Android | 0.1.17 | SvFmNYzmcCgDAlgk0XwQnYve0uNC/275wTFt6VU4T3ZVHAWOeYZeElhIc7GUwoeB |
| Android | 0.1.18 | l0qAz5xzvK78bvnIBpasRExq7T79wRUmzX5Zhu1BcISbbA5evyrCpxO5uIILwuAE |
| iOS | 1.8.0 | jXemi4IcW4FJPWi2Mzz0/u58fSv+/7yRZ/znfDaI2MSyzut60SynR4b3hqDYtZs3eO9KhA/K7HcghHAHxCmokXewlG+/dfemjuYs1Z4dOSw= |
| iOS | 1.9.0 | 7/tcZsHuf8SBq6BUhVCN+uA0hjv3SRirNGh7eti1+IIhYcEPtNfCdqdzIqKaPy1ADEuZCzCZ3kBgjpo7dD4LWnQs7CtJkl6p+eeRdWcbzv8= |
| iOS | 1.10.0 | xljj/7BC4odwgMvcS5+wfSLrKJrJzKtdtdbFfgISezDOqKQZUxVJ8QAVXZH3/u3Fl2CFzj7WDFu5qXALFI2nGYqzmxeQpPQI2WzfFzWLndk= |
| iOS | 1.11.0 | K6UxlemoK3UR7Wvtxb9ffSsgNtistDHNckRwCSjohSHTJKnXjalOIdTfZGbecS40paeEO9VIJbRAl8WHg8eXmVOhlNR4uMM8zEqAJVnwGZY= |
Monthly limit for number of Person to Person (P2P) transactions is 100. There are no limits for person to merchant (P2M) transactions. This also includes the outgoing UPI transactions. Load & Redeem are excluded.
Customers can reach out to the bank for raising chargeback request for scenario wherein transaction was successful, but merchant is claiming that they have not received the transaction amount. Bank shall lodge a chargeback request with NPCI basis customer’s consent. Concerned NPCI team shall investigate the claim. This process has a TAT of 15 business days. In the event chargeback request is rejected, customer can ask the bank to raise pre-arbitration request which has a TAT of additional 7 business days. If chargeback is successful, the bank shall credit the customer’s wallet in 3 business days. This is set process as per NPCI and the bank can assist but TAT is not in our control.
Note: For raising pre-arbitration request, customer needs to reach out to the bank and raise the request within 7 days of rejection of initial request.
Please find below load limits for Axis Mobile Digital Rupee App:
- Per load transaction limit – ₹10,000
- Cumulative daily load limit – ₹50,000
“Special Purpose Digital Rupee” is also called as Programmable Central Bank Digital Currency (PCBDC). It is the designated digital rupee within Axis Mobile Digital Rupee Wallet, regulated and guided by the Reserve Bank of India (RBI). It is exclusively designed and programmed for carrying out transactions with a specific purpose.
Special Purpose Digital Rupee is assigned to beneficiary by Sponsor entity which can be government or non-government organization. Beneficiary/ user who has provided Special purpose digital Rupee by sponsor entity can start using it on issuer Digital Rupee Banking App. Beneficiary/ user is not required to necessarily have Savings account with issuer bank to avail this facility.
User shall receive SMS communication on receipt of Special Purpose Digital Rupee by Issuer Bank User has Savings Account with issuer bank.
- User can download Issuer bank Digital Rupee App or login to App if already registered.
- User completes registration, link savings account by debit card authentication.
- User lands on homepage. On homepage user can click on Special purpose digital rupee “Enable now” option
- User to agree terms and conditions & authenticate with wallet PIN
- Post authentication, user can see Special Purpose digital Rupee linked in his/her wallet.
User doesn’t have savings account with Issuer Bank
- User downloads Axis Mobile Digital Rupee App and complete SIM binding and verification process
- Once done, user shall be asked to agree with terms and conditions.
- User can set app PIN (Fingerprint, Patter, PIN, Face)
- User to enter Unique Identifier (Corp ID, Roll number etc. communicated by Sponsor)
- User to set wallet PIN.
- Once done, user can see Special Purpose Digital Rupee linked in his/ her wallet.
Yes, user can user Axis Mobile Digital Rupee app to link Special purpose Digital Rupee by completing SIM verification and authenticating Unique Identifier.
It depends on the scheme Initiated by Sponsor entity.
- User can visit Eligible merchant and scan the QR code
- If special purpose digital rupee is applicable for transaction, it shall be automatically selected.
- User to enter wallet PIN to authenticate.
- Post authentication, merchant will receive Digital Rupee/Funds
Not necessarily. Merchant can receive payment by scanning CBDC QR or UPI QR. If CBDC QR is scanned, Merchant will receive payment in his CBDC wallet. In case of UPI QR, merchant will receive payment in his Bank account linked with UPI QR
No. Transaction using Special Purpose Digital Rupee can only be done to Eligible merchants.
There are 5 parameters defined by RBI to program Special purpose digital Rupee.
MCC – Merchant category
Areas of Usage
Expiry date
Acceptance on VPA or CBDC wallet ID
No. of times transaction can be done
No, you cannot deregister wallet having Special Purpose Digital Rupee
Yes, transaction limits are common for Retail CBDC & Special Purpose Digital Rupee. Refer the transaction limits listed under the Retail CBDC section for more information
Offline CBDC is a mode of payment on Axis Digital Rupee wherein customers can transfer or receive funds in offline mode. Enabling this feature will allow you to transfer or receive funds from other digital rupee apps (supporting offline feature) when you are in remote areas having no network reception.
Offline CBDC can be enabled by following below steps:
- Click on Offline CBDC banner/ pop-up to initiate enablement process.
- Infographics will be shown explaining more about the feature.
- Customer to provide consent on Terms and conditions by clicking on “Enable now”.
- Offline feature will be enabled post successful m-pin authentication.
Note : Offline feature can be enabled and used only on those devices which support NFC.
No. Offline feature can be enabled and used only on those devices which support NFC.
Offline feature is available only on Android device currently.
Offline balance can be loaded by following below steps:
- Post enablement, customer to click on “Offline wallet” button in Home/Profile screen.
- Click on “Add to offline balance”.
- Enter amount and click on proceed.
- Tokens worth entered amount will be tagged for offline spends.
Note: Customer’s existing tokens in the wallet will get tagged for offline use when they are loading offline balance. No new load will happen from customer’s savings account. Consequently, offline load will fail if user do not have exact tokens having cumulative value equal to the amount entered. Load will also fail in the event entered amount is greater than customer’s wallet balance.
Customer’s existing tokens in the wallet will get tagged for offline use when they are loading offline balance. No new load will happen from customer’s savings account.
Offline transaction can be initiated by following below steps:
- Payer to login to Axis Digital Mobile Rupee App in Offline mode and click on “Send” button.
- Payer to enter amount and click on proceed.
- Payee to login to Axis Digital Mobile Rupee App in Offline mode and click on “Receive” button.
- Both Payer and Payee to bring device in proximity (distance less than 4 cm.)
- Success screen will be shown post transaction completion.
Offline balance can be un-loaded by following below steps:
- Customer to click on “Offline wallet” button in Home/Profile screen.
- Click on “Add to Online balance”.
- Enter amount and click on proceed.
- Tokens worth entered amount will be un-tagged from offline spends.
Offline feature can be disabled by following below steps:
- Customer to click on “Offline wallet” button in Home/Profile screen.
- Click on “Disable Offline wallet”.
- Customer to click on “Proceed” on the pop-up shown.
- Offline feature can be disabled post successful m-pin authentication.
- Offline tagged tokens (if any) will be un-tagged.
Past Offline transactions can be seen by clicking on “Offline transaction history” button in Offline management screen.
Tokens received during an offline session are marked as “Un-spendable” and therefore, cannot be used in the same offline session. This has been done to safeguard customer from fraudulent activities. Customer will have to come online and use sync option to realise the tokens. Sync option is available in home screen as well as Offline feature management screen.
Only Digital Rupee wallet to wallet transactions is allowed in Offline CBDC.
Offline balance will be visible in Offline management screen (Home page -> Offline wallet) when customer is online. Offline balance will be visible in home page itself when customer is offline.
Offline transaction operate using NFC technology. Distance between NFC chips of both devices should be less than 4 centimetres.
Please find below various limits applicable for Offline CBDC:
- Per transaction amount limit – ₹200
- Per transaction token limit – 50
- Cumulative transaction amount user can transfer while they are offline – 500.
- Maximum number of transaction user can complete in one offline session - 4.
- Cumulative transaction amount user can receive while they are offline – 500.
- Per offline load transaction limit – ₹200
- Per offline unload transaction limit – ₹500
- Overall offline feature amount limit – ₹500
Tokens received during an offline session are marked as “Un-spendable”. Customer will have to come online and use sync option to realise the tokens. Sync option is available in home screen as well as Offline feature management screen.
If customer uninstalls/deletes the app without unloading/ deactivating offline feature, customer will recover only online spendable tokens post re-installation of the App. Offline spendable tokens in such case will be locked for 30 days. The respective offline tokens will be transferred back in the customer’s wallet If the tokens remain uncontested for the mentioned period. We strongly recommend not to delete the App while in the Offline mode. Delete only when transactions are settled & visible as part of the overall wallet balance.
If customer initiates deregistration and offline feature is still active, in such scenario the system will automatically deactivate the Offline feature and unmark all offline spendable tokens present in offline balance.
Disclaimer:
Only selected banks are invited to participate in Central Bank Digital Currency(CBDC) pilot programme. Axis Bank being one of the selected banks is delighted to invite its retail customers & merchants to use Digital Rupee (e₹) pilot.
Please refer the Concept Note of RBI for more details.
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