{"id":1772,"date":"2026-09-17T19:40:02","date_gmt":"2026-09-17T14:10:02","guid":{"rendered":"https:\/\/timesnowtoday.com\/?p=1772"},"modified":"2026-09-17T19:40:02","modified_gmt":"2026-09-17T14:10:02","slug":"rbi-digital-rupee-offline-payments","status":"publish","type":"post","link":"https:\/\/timesnowtoday.com\/en\/rbi-digital-rupee-offline-payments\/","title":{"rendered":"RBI digital rupee offline payments: \u092c\u093f\u0928\u093e \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u0908-\u0930\u0941\u092a\u092f\u093e \u0932\u0947\u0928\u0926\u0947\u0928"},"content":{"rendered":"<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/encrypted-tbn0.gstatic.com\/images?q=tbn:ANd9GcTQw6CdMadD6O3abNNTVZwxnTx4clVdZsxFHKio0nhnwA&amp;s=10\" alt=\"What Is Offline Digital Rupee and How Does It Work?\" \/><\/p>\n<h1><b data-start-index=\"220\">RBI digital rupee offline payments 2026: \u092c\u093f\u0928\u093e \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u0908-\u0930\u0941\u092a\u092f\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0936\u0941\u0930\u0942\u0964 \u091c\u093e\u0928\u093f\u090f \u0928\u094b\u091f \u091b\u092a\u093e\u0908 \u0932\u093e\u0917\u0924 \u092e\u0947\u0902 \u0915\u092e\u0940, \u092f\u0942\u092a\u0940\u0906\u0908 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0914\u0930 \u092b\u093f\u0928\u091f\u0947\u0915 \u092a\u0930 \u0907\u0938\u0915\u093e \u0906\u0930\u094d\u0925\u093f\u0915 \u092a\u094d\u0930\u092d\u093e\u0935\u0964<\/b><\/h1>\n<div class=\"paragraph normal\" dir=\"auto\" data-start-index=\"1420\"><span data-start-index=\"1420\">\u0939\u093f\u092e\u093e\u091a\u0932 \u092a\u094d\u0930\u0926\u0947\u0936 \u0915\u0947 \u0938\u0941\u0926\u0942\u0930 \u091c\u0928\u091c\u093e\u0924\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0932\u093e\u0939\u094c\u0932-\u0938\u094d\u092a\u0940\u0924\u093f \u0915\u0940 \u090f\u0915 \u091b\u094b\u091f\u0940 \u0938\u0940 \u0915\u093f\u0930\u093e\u0928\u0947 \u0915\u0940 \u0926\u0941\u0915\u093e\u0928 \u092a\u0930 \u091c\u092c 52 \u0935\u0930\u094d\u0937\u0940\u092f \u0936\u0947\u0930\u092a\u093e \u0926\u094b\u0930\u091c\u0940 \u0928\u0947 \u0905\u092a\u0928\u093e \u0938\u094d\u092e\u093e\u0930\u094d\u091f\u092b\u094b\u0928 \u0928\u093f\u0915\u093e\u0932\u0915\u0930 \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u092e\u094b\u092c\u093e\u0907\u0932 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u092f\u093e \u0935\u093e\u0908-\u092b\u093e\u0908 \u0915\u0928\u0947\u0915\u094d\u0936\u0928 \u0915\u0947 \u0926\u0941\u0915\u093e\u0928\u0926\u093e\u0930 \u0915\u094b \u0930\u093e\u0936\u0928 \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093f\u092f\u093e, \u0924\u094b \u092a\u093e\u0938 \u0916\u0921\u093c\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092f\u0939 \u0905\u091c\u0942\u092c\u0947 \u0938\u0947 \u0915\u092e \u0928\u0939\u0940\u0902 \u0925\u093e\u0964 \u0928 \u0924\u094b \u0915\u093f\u0938\u0940 \u092f\u0942\u092a\u0940\u0906\u0908 (UPI) \u092a\u093f\u0928 \u0915\u093e \u0907\u0902\u0924\u091c\u093c\u093e\u0930 \u0925\u093e, \u0928 \u0939\u0940 \u092c\u0948\u0902\u0915 \u0938\u0930\u094d\u0935\u0930 \u0921\u093e\u0909\u0928 \u0939\u094b\u0928\u0947 \u0915\u093e \u0921\u0930\u0964 \u092f\u0939 \u0915\u094d\u0930\u093e\u0902\u0924\u093f\u0915\u093e\u0930\u0940 \u092c\u0926\u0932\u093e\u0935 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI) \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u0941\u0930\u0942 \u0915\u0940 \u0917\u0908 <\/span><b data-start-index=\"1827\"><a title=\"RBI\" href=\"https:\/\/www.rbi.org.in\/.\" target=\"_blank\" rel=\"noopener\">RBI<\/a> digital rupee offline payments<\/b><span data-start-index=\"1861\"> \u0938\u0947\u0935\u093e \u0915\u0940 \u0935\u091c\u0939 \u0938\u0947 \u0938\u0902\u092d\u0935 \u0939\u0941\u0906 \u0939\u0948\u0964<\/span><\/div>\n<div dir=\"auto\" data-start-index=\"1420\"><\/div>\n<div class=\"paragraph normal\" dir=\"auto\" data-start-index=\"1889\"><span data-start-index=\"1889\">\u0935\u0930\u094d\u0937 2026 \u092e\u0947\u0902 \u092d\u093e\u0930\u0924 \u0915\u0940 \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0905\u0935\u0938\u0902\u0930\u091a\u0928\u093e (DPI) \u090f\u0915 \u0928\u090f \u092f\u0941\u0917 \u092e\u0947\u0902 \u092a\u094d\u0930\u0935\u0947\u0936 \u0915\u0930 \u091a\u0941\u0915\u0940 \u0939\u0948, \u091c\u0939\u093e\u0901 \u0938\u0947\u0902\u091f\u094d\u0930\u0932 \u092c\u0948\u0902\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u0930\u0947\u0902\u0938\u0940 (CBDC \/ e\u20b9) \u0915\u0947\u0935\u0932 <a title=\"\u0911\u0928\u0932\u093e\u0907\u0928 \u0935\u0949\u0932\u0947\u091f\" href=\"https:\/\/www.ibef.org\/.\" target=\"_blank\" rel=\"noopener\">\u0911\u0928\u0932\u093e\u0907\u0928 \u0935\u0949\u0932\u0947\u091f<\/a> \u0924\u0915 \u0938\u0940\u092e\u093f\u0924 \u0928 \u0930\u0939\u0915\u0930 \u0926\u0942\u0930\u0926\u0930\u093e\u091c \u0915\u0947 \u092c\u093f\u0928\u093e \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u0935\u093e\u0932\u0947 \u0907\u0932\u093e\u0915\u094b\u0902 \u092e\u0947\u0902 \u092d\u0940 \u0938\u092b\u0932\u0924\u093e \u0915\u0940 \u0928\u0908 \u0907\u092c\u093e\u0930\u0924 \u0932\u093f\u0916 \u0930\u0939\u0940 \u0939\u0948\u0964<\/span><\/div>\n<div dir=\"auto\" data-start-index=\"1889\">\n<div class=\"paragraph normal\" dir=\"auto\" data-start-index=\"2127\"><span data-start-index=\"2127\">\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI) \u0926\u094d\u0935\u093e\u0930\u093e \u091c\u093e\u0930\u0940 &#8216;\u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0941\u092a\u092f\u093e&#8217; \u092f\u093e \u0908-\u0930\u0941\u092a\u092f\u093e (e\u20b9) \u0926\u0947\u0936 \u0915\u0940 \u092d\u094c\u0924\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u093e \u0939\u0940 \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u094d\u0935\u0930\u0942\u092a \u0939\u0948, \u091c\u093f\u0938\u0947 \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0915\u0940 \u0938\u0940\u0927\u0940 \u0938\u094b\u0935\u0930\u0947\u0928 \u0917\u093e\u0930\u0902\u091f\u0940 (Sovereign Guarantee) \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0938\u094d\u091f\u0947\u091f \u092c\u0948\u0902\u0915 \u0911\u092b \u0907\u0902\u0921\u093f\u092f\u093e (SBI), \u0906\u0908\u0938\u0940\u0906\u0908\u0938\u0940\u0906\u0908 (ICICI), \u090f\u091a\u0921\u0940\u090f\u092b\u0938\u0940 (HDFC) \u0914\u0930 \u092f\u0942\u0928\u093f\u092f\u0928 \u092c\u0948\u0902\u0915 \u0938\u0939\u093f\u0924 15 \u092a\u094d\u0930\u092e\u0941\u0916 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u0907\u0938 \u092a\u093e\u092f\u0932\u091f \u092a\u094d\u0930\u094b\u091c\u0947\u0915\u094d\u091f \u092e\u0947\u0902 \u0905\u092c <\/span><b data-start-index=\"2475\">RBI digital rupee offline payments<\/b><span data-start-index=\"2509\"> \u0915\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/span><\/div>\n<div class=\"paragraph normal\" dir=\"auto\" data-start-index=\"2533\"><span data-start-index=\"2533\">\u092f\u0939 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 &#8216;\u0928\u093f\u092f\u0930 \u092b\u0940\u0932\u094d\u0921 \u0915\u092e\u094d\u092f\u0941\u0928\u093f\u0915\u0947\u0936\u0928&#8217; (NFC) \u0906\u0927\u093e\u0930\u093f\u0924 &#8216;\u091f\u0948\u092a-\u090f\u0902\u0921-\u092a\u0947&#8217; (Tap Technology) \u0914\u0930 \u0932\u094b-\u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u0938\u093f\u0917\u094d\u0928\u0932\u094d\u0938 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u0926\u094b \u0938\u094d\u092e\u093e\u0930\u094d\u091f\u092b\u094b\u0928\u094d\u0938 \u0915\u094b \u0906\u092a\u0938 \u092e\u0947\u0902 \u0938\u094d\u092a\u0930\u094d\u0936 \u0915\u0930\u093e\u0915\u0930 \u092f\u093e \u0915\u094d\u092f\u0942\u0906\u0930 \u0915\u094b\u0921 \u0915\u0947 \u091c\u0930\u093f\u090f \u092c\u093f\u0928\u093e \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u0938\u0947\u0915\u0902\u0921\u094b\u0902 \u092e\u0947\u0902 \u0908-\u0930\u0941\u092a\u092f\u0947 \u0915\u093e \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/div>\n<div dir=\"auto\" data-start-index=\"2533\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/encrypted-tbn0.gstatic.com\/images?q=tbn:ANd9GcT_bYm8VibnPo6cnRUfSMRpJPSSklw8soZDhzTI3w0NJQ&amp;s=10\" alt=\"e\u20b9 vs UPI: RBI Plans Wider Rollout | Digital Rupee Transformation India\" \/><\/div>\n<div dir=\"auto\" data-start-index=\"2533\"><\/div>\n<div dir=\"auto\" data-start-index=\"2533\">\n<div class=\"paragraph normal\" dir=\"auto\" data-start-index=\"2798\"><span data-start-index=\"2798\">\u0906\u0930\u094d\u0925\u093f\u0915 \u0926\u0943\u0937\u094d\u091f\u093f \u0938\u0947 \u0926\u0947\u0916\u093e \u091c\u093e\u090f \u0924\u094b \u092d\u094c\u0924\u093f\u0915 \u092c\u0948\u0902\u0915 \u0928\u094b\u091f\u094b\u0902 (Currency Notes) \u0915\u0940 \u091b\u092a\u093e\u0908, \u0909\u0928\u0915\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093e, \u0939\u0935\u093e\u0908 \u0935 \u0938\u0921\u093c\u0915 \u092a\u0930\u093f\u0935\u0939\u0928 \u0914\u0930 \u0926\u0947\u0936 \u092d\u0930 \u0915\u0947 \u0932\u093e\u0916\u094b\u0902 \u090f\u091f\u0940\u090f\u092e (ATM) \u092e\u0947\u0902 \u0915\u0948\u0936 \u0932\u094b\u0921\u093f\u0902\u0917 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092a\u0930 \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0914\u0930 \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u094b \u0939\u0930 \u0938\u093e\u0932 \u20b95,000 \u0915\u0930\u094b\u0921\u093c \u0938\u0947 \u0905\u0927\u093f\u0915 \u0915\u093e \u092d\u093e\u0930\u0940-\u092d\u0930\u0915\u092e \u092a\u0930\u093f\u091a\u093e\u0932\u0928 \u0935\u094d\u092f\u092f (Operational Expenditure) \u0935\u0939\u0928 \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964<\/span><\/div>\n<ol dir=\"auto\">\n<li class=\"paragraph list-item ordered-list-item normal\" data-start-index=\"3098\"><b data-start-index=\"3098\">\u092e\u0941\u0926\u094d\u0930\u093e \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0932\u093e\u0917\u0924 \u092e\u0947\u0902 \u0915\u091f\u094c\u0924\u0940:<\/b><span data-start-index=\"3128\"> \u0908-\u0930\u0941\u092a\u092f\u0947 \u0915\u0947 \u0909\u092a\u092f\u094b\u0917 \u0938\u0947 \u092d\u094c\u0924\u093f\u0915 \u0928\u094b\u091f\u094b\u0902 \u0915\u0940 \u091f\u0942\u091f-\u092b\u0942\u091f \u0914\u0930 \u0930\u093f\u092a\u094d\u0932\u0947\u0938\u092e\u0947\u0902\u091f \u0915\u0949\u0938\u094d\u091f \u0918\u091f\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0915\u0947 \u092c\u0939\u0940\u0916\u093e\u0924\u0947 (Balance Sheet) \u092a\u0930 \u092a\u094d\u0930\u0936\u093e\u0938\u0928\u093f\u0915 \u092c\u094b\u091d \u0915\u092e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/span><\/li>\n<li class=\"paragraph list-item ordered-list-item normal\" data-start-index=\"3277\"><b data-start-index=\"3277\">\u0928\u0915\u0932\u0940 \u0928\u094b\u091f\u094b\u0902 \u0915\u0947 \u091c\u094b\u0916\u093f\u092e \u0938\u0947 \u092e\u0941\u0915\u094d\u0924\u093f:<\/b><span data-start-index=\"3307\"> \u0915\u0942\u091f\u0932\u0947\u0916\u0928 (Cryptography) \u0914\u0930 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0906\u0927\u093e\u0930\u093f\u0924 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0924\u0902\u0924\u094d\u0930 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0908-\u0930\u0941\u092a\u092f\u0947 \u092e\u0947\u0902 \u0928\u0915\u0932\u0940 \u0928\u094b\u091f\u094b\u0902 \u092f\u093e \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0940 \u0936\u0942\u0928\u094d\u092f \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0930\u0939\u0924\u0940 \u0939\u0948\u0964<\/span><\/li>\n<li class=\"paragraph list-item ordered-list-item normal\" data-start-index=\"3432\"><b data-start-index=\"3432\">\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u093e\u0935\u0947\u0936 (Financial Inclusion):<\/b><span data-start-index=\"3469\"> \u091c\u093f\u0928 \u0926\u0941\u0930\u094d\u0917\u092e \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0914\u0930 \u092a\u0939\u093e\u0921\u093c\u0940 \u0907\u0932\u093e\u0915\u094b\u0902 \u092e\u0947\u0902 \u092e\u094b\u092c\u093e\u0907\u0932 \u091f\u093e\u0935\u0930 \u092f\u093e \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u0915\u0935\u0930\u0947\u091c \u0915\u092e\u091c\u094b\u0930 \u0939\u0948, \u0935\u0939\u093e\u0901 \u0911\u092b\u0932\u093e\u0907\u0928 \u092d\u0941\u0917\u0924\u093e\u0928 \u0938\u0941\u0935\u093f\u0927\u093e \u0928\u0947 \u0928\u0915\u0926 \u0932\u0947\u0928-\u0926\u0947\u0928 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u092e\u093e\u092a\u094d\u0924 \u0915\u0930 \u0926\u0940 \u0939\u0948\u0964<\/span><\/li>\n<\/ol>\n<h3>\u0921\u093f\u091c\u093f\u091f\u0932 \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 \u092f\u0942\u092a\u0940\u0906\u0908 (UPI) \u0914\u0930 \u0938\u0947\u0902\u091f\u094d\u0930\u0932 \u092c\u0948\u0902\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u0930\u0947\u0902\u0938\u0940 (CBDC) \u0915\u0947 \u092c\u0940\u091a \u0915\u0947 \u092e\u0942\u0932\u092d\u0942\u0924 \u0905\u0902\u0924\u0930 \u0915\u094b \u0938\u092e\u091d\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u0940\u091a\u0947 \u0926\u0940 \u0917\u0908 \u0924\u093e\u0932\u093f\u0915\u093e \u0926\u0947\u0916\u0947\u0902:<\/h3>\n<table dir=\"auto\" data-start-index=\"3764\">\n<tbody>\n<tr>\n<th>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"3764\"><span data-start-index=\"3764\">\u0924\u0941\u0932\u0928\u093e\u0924\u094d\u092e\u0915 \u092e\u093e\u0928\u0915 (Parameter)<\/span><\/div>\n<\/th>\n<th>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"3790\"><span data-start-index=\"3790\">\u092f\u0942\u092a\u0940\u0906\u0908 \u092d\u0941\u0917\u0924\u093e\u0928 (UPI Transactions)<\/span><\/div>\n<\/th>\n<th>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"3822\"><span data-start-index=\"3822\">RBI Digital Rupee Offline Payments<\/span><\/div>\n<\/th>\n<\/tr>\n<tr>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"3856\"><b data-start-index=\"3856\">\u0907\u0902\u091f\u0930\u0928\u0947\u091f \u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e (Network Needed)<\/b><\/div>\n<\/td>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"3889\"><span data-start-index=\"3889\">\u0915\u0947\u0935\u0932 \u0938\u0915\u094d\u0930\u093f\u092f \u0907\u0902\u091f\u0930\u0928\u0947\u091f \/ \u0921\u0947\u091f\u093e \u0915\u0928\u0947\u0915\u094d\u0936\u0928 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f<\/span><\/div>\n<\/td>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"3932\"><b data-start-index=\"3932\">\u092c\u093f\u0928\u093e \u0907\u0902\u091f\u0930\u0928\u0947\u091f \/ \u0911\u092b\u0932\u093e\u0907\u0928 (NFC \u0935 \u0932\u094b-\u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u0938\u093f\u0917\u094d\u0928\u0932\u094d\u0938)<\/b><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"3981\"><b data-start-index=\"3981\">\u0932\u0947\u0928\u0926\u0947\u0928 \u0926\u093e\u092f\u093f\u0924\u094d\u0935 (Underlying Asset)<\/b><\/div>\n<\/td>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4014\"><span data-start-index=\"4014\">\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0927\u0928 \u0915\u093e \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923<\/span><\/div>\n<\/td>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4057\"><b data-start-index=\"4057\">\u0906\u0930\u092c\u0940\u0906\u0908 \u0915\u0940 \u0938\u094b\u0935\u0930\u0947\u0928 \u0915\u0930\u0947\u0902\u0938\u0940 (RBI Direct Liability)<\/b><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4103\"><b data-start-index=\"4103\">\u092e\u0930\u094d\u091a\u0947\u0902\u091f \u0936\u0941\u0932\u094d\u0915 (MDR Impact)<\/b><\/div>\n<\/td>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4129\"><span data-start-index=\"4129\">\u092e\u0930\u094d\u091a\u0947\u0902\u091f \u0936\u0941\u0932\u094d\u0915\u094b\u0902 \u0915\u093e \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u0926\u092c\u093e\u0935<\/span><\/div>\n<\/td>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4160\"><b data-start-index=\"4160\">\u092a\u0942\u0930\u094d\u0923\u0924\u0903 \u0928\u093f:\u0936\u0941\u0932\u094d\u0915 \u090f\u0935\u0902 \u0928\u0915\u0926\u0940 \u0915\u0947 \u0938\u092e\u093e\u0928 \u0924\u0924\u094d\u0915\u093e\u0932 \u0928\u093f\u092a\u091f\u093e\u0928<\/b><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4207\"><b data-start-index=\"4207\">\u092a\u094d\u0930\u094b\u0917\u094d\u0930\u093e\u092e\u0947\u092c\u0932 \u092e\u0928\u0940 (Programmability)<\/b><\/div>\n<\/td>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4241\"><span data-start-index=\"4241\">\u0915\u0947\u0935\u0932 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 \u0939\u0947\u0924\u0941<\/span><\/div>\n<\/td>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4260\"><b data-start-index=\"4260\">\u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0938\u0930\u0915\u093e\u0930\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0939\u0947\u0924\u0941 \u092a\u094d\u0930\u094b\u0917\u094d\u0930\u093e\u092e \u092f\u094b\u0917\u094d\u092f (Geo-fenced)<\/b><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4316\"><b data-start-index=\"4316\">\u0938\u0930\u094d\u0935\u0930 \u0932\u094b\u0921 (Bank Server Pressure)<\/b><\/div>\n<\/td>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4348\"><span data-start-index=\"4348\">\u092c\u0948\u0902\u0915 \u0938\u0930\u094d\u0935\u0930 \u092a\u0930 \u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u0926\u092c\u093e\u0935<\/span><\/div>\n<\/td>\n<td>\n<div class=\"paragraph table-paragraph normal\" dir=\"auto\" data-start-index=\"4374\"><b data-start-index=\"4374\">\u092c\u0948\u0902\u0915 \u0938\u0930\u094d\u0935\u0930 \u0938\u0947 \u0938\u094d\u0935\u0924\u0902\u0924\u094d\u0930 \u0921\u093f\u091c\u093f\u091f\u0932 \u0935\u0949\u0932\u0947\u091f-\u091f\u0942-\u0935\u0949\u0932\u0947\u091f \u091f\u094d\u0930\u093e\u0902\u091c\u0947\u0915\u094d\u0936\u0928<\/b><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div dir=\"auto\" data-start-index=\"1889\">\n<div class=\"paragraph normal\" dir=\"auto\" data-start-index=\"4431\"><b data-start-index=\"4431\">RBI digital rupee offline payments<\/b><span data-start-index=\"4465\"> \u0915\u093e \u0926\u0942\u0938\u0930\u093e \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u0906\u0930\u094d\u0925\u093f\u0915 \u092a\u0939\u0932\u0942 &#8216;\u092a\u094d\u0930\u094b\u0917\u094d\u0930\u093e\u092e\u0947\u092c\u093f\u0932\u093f\u091f\u0940&#8217; (Programmability) \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0924\u0939\u0924 \u0908-\u0930\u0941\u092a\u092f\u0947 \u092e\u0947\u0902 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0921\u093f\u091c\u093f\u091f\u0932 \u0936\u0930\u094d\u0924\u0947\u0902 \u091c\u094b\u0921\u093c\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964 \u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u0917\u0941\u091c\u0930\u093e\u0924 \u0915\u0940 &#8216;G-SAFAL&#8217; \u0914\u0930 \u0906\u0902\u0927\u094d\u0930 \u092a\u094d\u0930\u0926\u0947\u0936 \u0915\u0940 &#8216;DEEPAM 2.0&#8217; \u091c\u0948\u0938\u0940 \u0938\u0930\u0915\u093e\u0930\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u092e\u0947\u0902 \u0915\u093f\u0938\u093e\u0928\u094b\u0902 \u0914\u0930 \u0932\u093e\u092d\u093e\u0930\u094d\u0925\u093f\u092f\u094b\u0902 \u0915\u094b \u0926\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u0916\u093e\u0926 \u092f\u093e \u090f\u0932\u092a\u0940\u091c\u0940 \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u0915\u0947 \u0908-\u0930\u0941\u092a\u092f\u0947 \u0915\u094b \u0907\u0938 \u0924\u0930\u0939 \u092a\u094d\u0930\u094b\u0917\u094d\u0930\u093e\u092e \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0915\u093f \u0935\u0939 \u092a\u0948\u0938\u093e \u0915\u0947\u0935\u0932 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0926\u0941\u0915\u093e\u0928\u094b\u0902 \u0914\u0930 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0909\u0930\u094d\u0935\u0930\u0915\u094b\u0902 \u0915\u0940 \u0916\u0930\u0940\u0926\u093e\u0930\u0940 \u092a\u0930 \u0939\u0940 \u092d\u0941\u0928\u093e\u092f\u093e \u091c\u093e \u0938\u0915\u0947\u0964<\/span><\/div>\n<div class=\"paragraph normal\" dir=\"auto\" data-start-index=\"4882\"><span data-start-index=\"4882\">\u0907\u0938\u0938\u0947 \u0938\u0930\u0915\u093e\u0930\u0940 \u0916\u091c\u093e\u0928\u0947 \u0938\u0947 \u0926\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0930\u0924\u094d\u092f\u0915\u094d\u0937 \u0932\u093e\u092d \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 (DBT) \u092e\u0947\u0902 \u092c\u093f\u091a\u094c\u0932\u093f\u092f\u094b\u0902 \u0915\u0940 \u092d\u0942\u092e\u093f\u0915\u093e \u0938\u092e\u093e\u092a\u094d\u0924 \u0939\u094b \u0917\u0908 \u0939\u0948 \u0914\u0930 \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u0932\u0940\u0915\u0947\u091c \u0926\u0930 \u0936\u0942\u0928\u094d\u092f \u0915\u0947 \u0938\u094d\u0924\u0930 \u092a\u0930 \u092a\u0939\u0941\u0901\u091a \u0917\u0908 \u0939\u0948\u0964<\/span><\/div>\n<div dir=\"auto\" data-start-index=\"4882\"><\/div>\n<div dir=\"auto\" data-start-index=\"4882\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/encrypted-tbn0.gstatic.com\/images?q=tbn:ANd9GcSUNGv3-l8K20ZceLn5B7CstUudjBQvIgoZbnGiOiz2Sg&amp;s=10\" alt=\"RBI introduces Offline CBDC; users can pay without internet\" \/><\/div>\n<div dir=\"auto\" data-start-index=\"4882\"><\/div>\n<div dir=\"auto\" data-start-index=\"4882\"><b data-start-index=\"5064\">RBI digital rupee offline payments<\/b><span data-start-index=\"5098\"> \u0915\u0947\u0935\u0932 \u090f\u0915 \u0924\u0915\u0928\u0940\u0915\u0940 \u0928\u0935\u093e\u091a\u093e\u0930 \u0928\u0939\u0940\u0902 \u0939\u0948, \u092c\u0932\u094d\u0915\u093f \u092f\u0939 \u092d\u093e\u0930\u0924 \u0915\u0940 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0915\u094b \u0905\u0927\u093f\u0915 \u0915\u0941\u0936\u0932, \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u0914\u0930 \u0932\u093e\u0917\u0924-\u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u092c\u0928\u093e\u0928\u0947 \u0915\u093e \u0910\u0924\u093f\u0939\u093e\u0938\u093f\u0915 \u0915\u0926\u092e \u0939\u0948\u0964 \u091c\u0948\u0938\u0947-\u091c\u0948\u0938\u0947 \u0926\u0947\u0936 \u0915\u0947 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0914\u0930 \u0926\u0942\u0930\u0926\u0930\u093e\u091c \u0915\u0947 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u0907\u0938 \u0911\u092b\u0932\u093e\u0907\u0928 \u0938\u0941\u0935\u093f\u0927\u093e \u0915\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0939\u094b\u0917\u093e, \u0935\u0948\u0938\u0947-\u0935\u0948\u0938\u0947 \u092d\u093e\u0930\u0924\u0940\u092f \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u092e\u0947\u0902 \u0928\u0915\u0926 \u0930\u0939\u093f\u0924 \u0932\u0947\u0928\u0926\u0947\u0928 (Cashless Economy) \u0915\u093e \u0938\u092a\u0928\u093e \u0927\u0930\u093e\u0924\u0932 \u092a\u0930 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u093e\u0915\u093e\u0930 \u0939\u094b\u0917\u093e\u0964<\/span><\/div>\n<\/div>\n<div dir=\"auto\" data-start-index=\"4882\"><a title=\"\u0905\u0928\u094d\u092f \u091c\u093e\u0928\u0915\u093e\u0930\u0940 !\" href=\"https:\/\/timesnowtoday.com\/en\/%e0%a4%ac%e0%a5%88%e0%a4%82%e0%a4%95-%e0%a4%b8%e0%a5%8d%e0%a4%9f%e0%a5%8d%e0%a4%b0%e0%a4%be%e0%a4%87%e0%a4%95\/\" target=\"_blank\" rel=\"noopener\">\u0905\u0928\u094d\u092f \u091c\u093e\u0928\u0915\u093e\u0930\u0940 !<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>RBI digital rupee offline payments 2026: \u092c\u093f\u0928\u093e \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u0908-\u0930\u0941\u092a\u092f\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0936\u0941\u0930\u0942\u0964 \u091c\u093e\u0928\u093f\u090f \u0928\u094b\u091f \u091b\u092a\u093e\u0908 \u0932\u093e\u0917\u0924 \u092e\u0947\u0902 \u0915\u092e\u0940, \u092f\u0942\u092a\u0940\u0906\u0908 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0914\u0930 \u092b\u093f\u0928\u091f\u0947\u0915 \u092a\u0930 \u0907\u0938\u0915\u093e \u0906\u0930\u094d\u0925\u093f\u0915 \u092a\u094d\u0930\u092d\u093e\u0935\u0964 \u0939\u093f\u092e\u093e\u091a\u0932 \u092a\u094d\u0930\u0926\u0947\u0936 \u0915\u0947 \u0938\u0941\u0926\u0942\u0930 \u091c\u0928\u091c\u093e\u0924\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0932\u093e\u0939\u094c\u0932-\u0938\u094d\u092a\u0940\u0924\u093f \u0915\u0940 \u090f\u0915 \u091b\u094b\u091f\u0940 \u0938\u0940 \u0915\u093f\u0930\u093e\u0928\u0947 \u0915\u0940 \u0926\u0941\u0915\u093e\u0928 \u092a\u0930 \u091c\u092c 52 \u0935\u0930\u094d\u0937\u0940\u092f \u0936\u0947\u0930\u092a\u093e \u0926\u094b\u0930\u091c\u0940 \u0928\u0947 \u0905\u092a\u0928\u093e \u0938\u094d\u092e\u093e\u0930\u094d\u091f\u092b\u094b\u0928 \u0928\u093f\u0915\u093e\u0932\u0915\u0930 \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u092e\u094b\u092c\u093e\u0907\u0932 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u092f\u093e [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":0,"footnotes":""},"categories":[102,1],"tags":[596,595],"class_list":["post-1772","post","type-post","status-publish","format-standard","hentry","category-allnews","category-fina","tag-indian-banking-tech-2026","tag-rbi-digital-rupee-offline-payments-2026"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/timesnowtoday.com\/en\/wp-json\/wp\/v2\/posts\/1772","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/timesnowtoday.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/timesnowtoday.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/timesnowtoday.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/timesnowtoday.com\/en\/wp-json\/wp\/v2\/comments?post=1772"}],"version-history":[{"count":1,"href":"https:\/\/timesnowtoday.com\/en\/wp-json\/wp\/v2\/posts\/1772\/revisions"}],"predecessor-version":[{"id":1773,"href":"https:\/\/timesnowtoday.com\/en\/wp-json\/wp\/v2\/posts\/1772\/revisions\/1773"}],"wp:attachment":[{"href":"https:\/\/timesnowtoday.com\/en\/wp-json\/wp\/v2\/media?parent=1772"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/timesnowtoday.com\/en\/wp-json\/wp\/v2\/categories?post=1772"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/timesnowtoday.com\/en\/wp-json\/wp\/v2\/tags?post=1772"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}