Digital Rupee (CBDC) Explained – Beginner Level
                     Digital Rupee (CBDC) 
Explained – Beginner Level
Beginner-friendly guide to India’s new digital currency
What is the Digital Rupee?
Definition:
 The Digital Rupee (e₹) is India’s official digital form of currency 
issued by the RBI.
Simple Explanation:
 It is just like paper money, but stored digitally.
Example:
 If you have ₹200 e₹ in your wallet → it is equal to ₹200 cash.
How CBDC is different from UPI
● UPI → Moves bank money digitally
● CBDC → Is the currency itself
Example:
 UPI = transferring money from one bank account to another
 CBDC = transferring actual digital currency from wallet to wallet
Benefits of Digital Rupee
● Faster than UPI in bulk transactions
● No bank charges for merchants
● Works without internet (offline mode)
● Reduces cash-handling cost
How the Digital Rupee Works
• You download a CBDC wallet app
 • RBI issues digital currency to your wallet
 • You pay others using QR code or wallet-to-wallet transfer
Example:
 You pay a shopkeeper directly from your RBI wallet. 
Is Digital Rupee Safe?
• Secured by RBI
 • Higher fraud protection
 • No intermediary bank failure risk
Example:
 If your bank goes down temporarily, CBDC wallet still works.
Future of Digital Rupee in India
• Used for government payments
 • Used for international settlements
 • Faster business transactions
 • Will reduce dependency on cash
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