Starting July 16, 2025, all government payments above ₹75 crore will be processed through RBI e‑Kuber. This move is part of the central bank’s efforts to improve government payments transparency, speed up fund reconciliation, and strengthen its RBI core banking system. The step is expected to bring greater clarity and efficiency to India’s public finance.
Why ₹75 Cr+ Payments Move to e‑Kuber
The threshold for RBI e‑Kuber processing has been set at ₹75 crore to manage large-value government transactions centrally. Handling these payments via e‑Kuber makes it easier for the RBI to monitor and manage big fund flows. Over time, authorities plan to lower this limit to ₹50 crore, expanding coverage and helping improve nationwide financial tracking.
Raising Transparency and Faster Reconciliation
Using e‑Kuber gives the government better visibility into fund transfers. It supports government payments transparency by showing payment status instantly. Departments, ministries, and treasuries will be able to track payments and check real-time updates, reducing the wait time of days or weeks.
Real-Time Tracking of Govt Expenditure
The shift brings real-time fund reconciliation to government payments. e‑Kuber confirms payment status instantly—from initiation to settlement. This quick confirmation helps government officials and departments match credits and debits faster, preventing mismatches and errors common in manual accounting systems.
e‑Kuber Removes Month‑Long Reconciliation Delays
Before e‑Kuber, many government payments took weeks to reconcile. Accounts teams would wait for bank statements, manual verification, and follow-up communications. With RBI e‑Kuber, payments over ₹75 crore will be cleared instantly, eliminating those month-long delays and reducing administrative burdens.
Future Plan: Lowering Threshold to ₹50 Cr
The RBI plans to further enhance transparency and efficiency by lowering the payment threshold to ₹50 crore. This future step will bring more government transfers under real-time reconciliation, increasing the scope of transparency and improving speed in public fund management.
What RBI e‑Kuber Is and How It Works
The RBI core banking system, known as e‑Kuber, is the central bank’s flagship digital platform for managing funds. It supports high-value transactions, government payments, and RBI’s internal operations. e‑Kuber handles account management, fund settlement, and reporting—all in one system.
For a detailed breakdown of e‑Kuber’s technical design, features, and modules, check out this comprehensive overview on Adda247 and Indian Economy’s explainer.
Broader Impact on Fiscal Accountability
The move to RBI e‑Kuber is a milestone for RBI core banking system modernization and fiscal responsibility. It strengthens financial discipline, discourages payment delays, and improves audit trails. Ultimately, it contributes to more reliable government payments transparency and responsible public spending.
Conclusion:
With all RBI e‑Kuber payments above ₹75 crore going live from July 16, India is taking a major leap in financial governance. The change ensures real-time fund reconciliation, addresses month-long delays, and opens the door for wider future reforms. This initiative not only enhances the RBI’s operational efficiency but also builds public trust in the government’s fiscal systems.
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