Central Bank Digital Currency (CBDC) yah Digital Rupee ek kendriya bank duara jaari currency note/mudra ka digital roop hai..
Reserve Bank of India (RBI) ne apne Central Bank Digital Currency (CBDC) ke pilot (jo is pure system ka future decide karegi) ko launch karne ke liye taiyar hai, jise Digital Rupee bhi kahate hai. CBDC yaha ek legal tender ke jaise kam karegi digital form mein.
Digital Rupee Kya Hai?
Central Bank Digital Currency (CBDC) yah Digital Rupee ek kendriya bank duara jaari currency note/mudra ka digital roop hai, saral shabd mein bolu toh digital rupee paisa ke ek electronic roop hai. Aur is digital rupee se hum contactless transaction kar sakte hai.
Pragatisheel vikash ke karan humne paise ko ek roop se alag roop mein change hote hue dekha hai jaise ki commodity money (dravy mudra) se dhaatu ke paise se papers ke notes, aur ab digital mudra ki baat chal rahi hai. RBI aur Indian government humesha se hi digital payments ko lekar bahut hi supportive raha hai.
For example jab UPI aur BHIM launch hua tha tab in digital payment platforms ko RBI aur Indian government ne promote matlab support kia tha isiliye pure retail sector mein inka implementation bahut hi jaldi hua. Physical note currency ko digital form mein lane ke liye RBI ne sabse naya tarika aajamaya hai digital rupee ko launch karke.
2022 mein Union Budget ko pesh karte hue finance minister Nirmala Sitharaman ne ghoshana kiya ki Reserve Bank of India jald hi apna digital currency (mudra) shuru karne wala hai. Aur November 1st 2022 ko Reserve Bank of India ne digital rupee ko launch kar diya. Is electronic mudra mein cashless economy ka maarg prashast karne ki shamata hai.
CBDC Kya Hai?
Reserve Bank of India (RBI) ke mutabik Central Bank Digital Currency (CBDC) ek legal tender hai jo ki digital form hai. Legal tender ka matlab hota hai physical currency jo hum physical payments karne mein use karte hai. CBDC ek sovereign (independent) currency hai jisko sirf Central Bank regulate karegi.
FAQs
Q: Digital Rupee kya hai?
A: Digital Rupee Bharatiya mudra ka digital version hai. Yeh digital mudra hai jo Reserve Bank of India (RBI) aur Bharat Sarkar ke dwara supported hai.
Q: Digital Rupee dusre digital currencies se kaise alag hai?
A: Digital Rupee dusre digital currencies se alag hai kyunki yeh RBI aur Bharat Sarkar ke dwara supported hai. Iska matlab hai ki yeh ek legal tender hai aur sarkar ke dwara regulate kiya jata hai. Dusre digital currencies, jaise Bitcoin, kisi sarkar ya central authority ke dwara supported nahi hote.
Q: Digital Rupee ka issuance kaise hoga?
A: Digital Rupee RBI ke dwara issued kiya jayega. Iska expectation hai ki Digital Rupee ko phased manner mein issue kiya jayega aur ise various digital platforms par available kiya jayega.
Q: Digital Rupee ka use kya hai?
A: Digital Rupee ko online shopping, bill payments, money transfers, aur aur bhi bahut se kaam ke liye use kiya ja sakta hai. Yeh digital payment platforms jaise UPI, BHIM, aur other digital wallets mein integrate kiya jayega.
Q: Digital Rupee ka upyog karne ke kya benefits hai?
A: Digital Rupee ke kai benefits hain jaise ki transactions ki speed aur efficiency badhna, transaction costs kam hona, financial inclusion ki growth hona, aur security ki level badhna.
Q: Digital Rupee physical currency ko replace karega?
A: Nahi, Digital Rupee physical currency ko replace karne ka koi plan nahi hai. Yeh physical currency ke saath coexist karega aur users ko transactions karne ke aur ek option provide karega.
Q: Digital Rupee secure hai?
A: Haan, Digital Rupee secure hone ki ummeed hai. Iska support RBI aur Bharat Sarkar ke dwara hai aur sarkar dwara regulate kiya jayega. Digital Rupee ki robust security features ki expectation hai jisse fraud aur counterfeiting prevent kiya jaa sake.
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