डिजिटल रुपए के संबंध में निम्नलिखित कथनों पर विचार कीजिए :
- 1.यह भारतीय रिज़र्व बैंक (RBI) द्वारा अपनी मौद्रिक नीति के अनुरूप जारी की गई राष्ट्रिक (सॉवरेन) मुद्रा है ।
- 2.यह RBI के तुलन-पत्र (बैलेंस शीट) पर देयता के रूप में दिखाई देता है ।
- 3.यह अपने डिज़ाइन से ही मुद्रास्फीति के विरुद्ध बीमाकृत है ।
- 4.यह वाणिज्यिक बैंक मुद्रा और नकदी के लिए स्वतंत्र रूप से परिवर्तनीय है ।
उपर्युक्त कथनों में से कौन-से सही हैं ?
Read this question in English
Consider the following statements in respect of the digital rupee:
1. It is a sovereign currency issued by the Reserve Bank of India (RBI) in alignment with its monetary policy.
2. It appears as a liability on the RBI's balance sheet.
3. It is insured against inflation by its very design.
4. It is freely convertible against commercial bank money and cash.
Which of the statements given above are correct?
(a) 1 and 2 only · (b) 1 and 3 only · (c) 2 and 4 only · (d) 1, 2 and 4
उत्तर और व्याख्या · explanation in English
Answer: (d) 1, 2 और 4
Statements 1, 2 and 4 are features RBI lists for the digital rupee: a sovereign currency issued in line with monetary policy, a liability on the central bank's balance sheet, and freely convertible against commercial bank money and cash. Statement 3 is not: nothing in RBI's design promises protection against inflation, and e₹ is a digital ₹ note that pays no interest.
- ✓ 1. RBI's concept note describes a central bank digital currency as sovereign currency issued by the central bank in alignment with its monetary policy.
- ✓ 2. Like a paper note, it is a direct liability of the central bank and appears on its balance sheet, not on a commercial bank's.
- ✗ 3. RBI calls it a safe store of value, but that is not a promise against rising prices. The design carries no such cover, and no interest is paid on e₹ wallet balances, exactly as with cash.
- ✓ 4. The concept note lists free convertibility against commercial bank money and cash among its features.
Remember · Digital rupee: sovereign currency issued by RBI in line with monetary policy, an RBI liability, freely convertible with bank money and cash. No interest, no inflation cover.
Sources
- RBI, Concept Note on Central Bank Digital Currency (October 2022), features of CBDC ↗ “CBDC is sovereign currency issued by Central Banks in alignment with their monetary policy • It appears as a liability on the central bank’s balance sheet … Must be accepted as a medium of payment, legal tender, and a safe store of value by all citizens, enterprises, and government agencies. • Freely convertible against commercial bank money and cash”
- RBI, Digital Rupee (e₹) FAQs ↗ “Given the cash-like features of e₹, there is no interest payable on the wallet balances.”
Question and answer: UPSC's official GS Paper I (2024, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 30 Sept 2026 (how we verify). ·