IBPS PO Mains 12 Oct 2025 Shift 1 Paper

Concept:The Digital Rupee (e-Rupee) is the RBI-issued Central Bank Digital Currency (CBDC) that exactly mirrors physical cash, so no minimum balance is required in its wallet.Explanation:An e-Rupee wallet is a digital store of legal tender distributed through participating banks.Since the e-Rupee replicates the characteristics of physical currency, there is no requirement to maintain a minimum balance in the wallet.A user can keep a zero balance in the e-Rupee wallet without facing any penalty.The e-Rupee is issued in the same denominations as paper currency and coins and is accessed through a mobile-based digital wallet.It supports both Person to Person (P2P) and Person to Merchant (P2M) transactions with the same trust and settlement finality as cash.Key features include: no interest is earned on the wallet balance; it is easily convertible into bank deposits or physical cash; small-value transactions provide a degree of anonymity.It also promotes financial inclusion and reduces the operational cost of printing and distributing physical currency.Therefore, options $\text{Rs. }100$, $\text{Rs. 500}$, $\text{Rs. 1,000}$, and $₹5,000$ are incorrect, and the correct choice is "$Zero$ ($No$ $minimum$ $balance$ $required$)".Answer:Zero (No minimum balance required)