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- Home
- PAY Cards, Bill Pay
- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow Foreign Outward Remittance
- Remittance (International Money Transfers )
- Religious Offering's & Donation
- Forex Services for students
- Pay your overseas education fees with Flywire
- ESOP Remittances
- Visa CardPay
- Cards
- Bill Payments
- Recharge
- Payment Solutions
- Money Transfer
- SAVE Accounts, Deposits
- INVEST Bonds, Mutual Funds
- BORROW Loans, EMI
- INSURE Cover, Protect
- OFFERS Offers, Discounts
- My Mailbox
- My Profile
- Home
- PAY Cards, Bill Pay
- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
- IMPS (Immediate Payment 24 * 7)
- RTGS (Available 24 * 7)
- NEFT (Available 24 * 7)
- RemitNow Foreign Outward Remittance
- Remittance (International Money Transfers )
- Religious Offering's & Donation
- Forex Services for students
- Pay your overseas education fees with Flywire
- ESOP Remittances
- Visa CardPay
- SAVE Accounts, Deposits
- INVEST Bonds, Mutual Funds
- BORROW Loans, EMI
- INSURE Cover, Protect
- OFFERS Offers, Discounts
- My Mailbox
- My Profile
RBI Digital Currency - CBDC (Central Bank Digital Currency)
A secure and fast way to send and receive money through Digital Rupee Wallet
Frequently Asked Questions
1. | How do I register myself on the e₹ app for HDFC Bank? |
A. | Once you receive an invite to participate in the Digital Currency Program - |
1. | Download the e₹ app for HDFC Bank on your smartphone. Make sure to have an iOS or Android phone with app version (minimum 10X or higher). (Note: Currently, only Android is supported). Your phone should have either pattern or Biometric or face id locking capability. |
2. | Select your preferred SIM to be used for registration purposes. In case of multiple SIMs: SIM slot 1 should be selected. The SIM slot 1 should have the SIM of the mobile number registered with the bank and linked to the customer account. |
3. | After selection of SIM 1, you will need to input the mobile number. |
4. | Choose your preferred method of logging into the app, from three different methods available – PIN, Biometric login, or pattern. |
5. | Post this, the app will prompt you to set a 6-digit wallet pin. Set the 6-digit PIN for your e₹ wallet to authenticate transactions. |
6. | You will see a list comprising all the HDFC Bank accounts linked to your mobile number, from which you can select one account to link to the e₹ wallet. |
7. | The app will prompt you to enter the last 6 digits of your Debit Card along with the expiry date of the card associated with the bank account that you have selected. |
8. | The bank will authenticate the details provided and link your selected account to e₹ wallet and complete the registration process. |
9. | Add money in your e₹ wallet app basis your selection of denominations and the count of denomination currency you want. |
10. | After receiving the digital currency, you can start using the digital currency for performing transactions with either users or merchants who will be accepting the digital currency. |
2. | What is a e₹ wallet? |
The e₹ App for HDFC Bank can be used by customers to load, store and transact using digital rupee currency in a safe and secure way digitally. | |
3. | Is the e₹ wallet launched in my city? |
HDFC Bank has launched the e₹ app in all cities | |
4. | How can I add e₹ to my e₹ wallet? |
For the customers in the pilot program, the process to load e₹ currency is as follows: | |
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5. | Do I need to provide PAN details for e₹ transactions? |
No, customers will not be required to provide PAN details for the RBI digital currency pilot programme. | |
6. | How do I send payments using the e₹? |
A. | For person-to-person transactions - |
1. | You will need to login to the app and on the landing page, you will be able to see the Pay option. |
2. | On selecting Pay, you can select the beneficiary from the address / contact on the phone, alternatively, in case the beneficiary has shared their QR, you can use the same from the gallery. |
3. | After selecting the beneficiary, you need to do the following: |
a. | Enter the amount you want to load. |
b. | Alternatively, you can select the notes and coins denomination wise for the value. (The selection is via, swiping up/down; swiping up increases the quantity by 1 and swiping down decreases by 1). |
4. | You will then be prompted to enter the e₹ wallet pin. |
5. | Post confirmation, the notes/coins equivalent to the amount will be credited to the beneficiary’s e₹ wallet. (Note: The beneficiary user can be a digital wallet user of HDFC Bank or any other bank). |
6. | Just enter the recipient’s number in the e₹ app, choose the desired amount and hit send. (*NOTE: Beneficiary should also be selected for the e₹ pilot programme.) |
7. | You can view your e₹ wallet, that will show the notes/coins count reduced. |
8. | Alternatively, you can also see the same in the transaction history in the app. |
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B. | For person to merchant transactions |
1. | You can scan any QR Code and enter below information on prepopulated screen – |
a. | Enter the amount you want to load, by entering the same. |
b. | Alternatively, you can select the notes and coins denomination wise for the value. (The selection is via, swiping up/down; swiping up increases the quantity by 1 and swiping down decreases by 1). |
2. | You will then be prompted to enter the wallet pin. |
3. | Post confirmation, the Notes/Coins equivalent to the amount will be credited to the Merchant’s Digital Rupee Wallet. |
4. | You can view your Digital Rupee wallet, that will show the notes/coins count reduced. |
5. | Alternatively, you can also see the same in the transaction history in the app. |
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7. | Why do I see so many different denominations in the e₹ App? |
The e₹ is just like physical cash, but in a digital form. Therefore, it also has all the same denominations as physical cash. | |
8. | How to redeem e₹ from wallet and get money back to my linked bank account? |
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9. | What mobile OS platform does the e₹ app currently support? |
Available on both Android & iOS devices | |
10. | Is Savings Account mandatory for customers to use e₹? |
Yes, users who wish to use the HDFC Bank e₹ Wallet need to have an account with HDFC Bank. | |
11. | Can a non-HDFC Bank customer use e₹? |
Non-HDFC Bank customers cannot use the HDFC Bank Digital Rupee Wallet App. | |
12. | Do I have to maintain a minimum balance of e₹ in my wallet? |
No. There are no minimum balance requirements for e₹. | |
13. | Is there any interest will be paid on my Digital Rupee Wallet balance? |
No | |
14. | Are there any charges/fees on using e₹? |
For the pilot, there are no charges or fees on using the e₹. | |
15. | How do I recover e₹ Wallet in case of loss of phone/ damaged phone or deinstallation of e₹ wallet for CBDC-Pilot ? |
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You have to input new pin as set above and the balance notes/and coins in the previous device will be available. | |
17. | Can I use e₹ via ATM cards or Online Banking? |
For the pilot, e₹ can be used only via the app provided by HDFC Bank. | |
18. | Can I transfer e₹ directly to someone else’s bank account or UPI? |
The e₹ can only be transferred to other e₹ wallets or any merchant accepting payments. | |
19. | Will I receive SMS from bank after each transaction? |
Yes, you will receive an SMS for every financial transaction involving the e₹. | |
20. | Can I use this for investment? Will the value of e₹ appreciate/grow? |
The e₹ currency loaded or received by the customer will not accrue any interest. | |
21. | What if I lose/change my phone? |
You can recover your wallet by using the same phone number/sim on the e₹ wallet. | |
22. | What if I enter the wrong wallet PIN during a transaction? |
In case you input the wrong PIN more than 3 times as day, then transactions on the e₹ app will be temporarily blocked. Customers need to reset the wallet PIN or wait for 24 hours to unlock. | |
23. | How to reset wallet PIN? |
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24. | While adding e₹ to my wallet, what if account debited but wallet not credited with e₹? |
In such cases, your money will be refunded back to your account. | |
25. | Does the transfer of e₹ happen only during banking hours? |
All transactions are instant and are available 24*7. | |
26. | How to de-register/delete e₹ wallet? |
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27. | Can I use non-HDFC Bank digital wallet to transact on HDFC Bank enabled merchant location? |
Yes, the usage of e₹ is interoperable. | |
28. | What do I do if my transaction shows pending on the confirmation screen? |
You may have to wait till your transaction get either successful or failed. | |
29. | What are the limits applicable in CBDC ? |
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