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HDFC Bank enables digital rupee payments for merchants

SmartGateway merchants can now accept CBDC or digital rupee payments.

HDFC Bank has integrated India’s central bank digital currency (CBDC), the digital rupee (e₹) , into its online merchant payment platform SmartGateway.

SmartGateway merchants can now accept payments via the digital rupee with zero transaction cost alongside existing payment methods, according to a press release in January 2026.

As of December 2025, HDFC Bank is one the pilot banks servicing approximately 8.45 lakh registered CBDC wallets. Approximately 13,000 to 15,000 new CBDC wallets are getting added every month, the bank said.

HDFC Bank is India’s largest private bank by asset size.

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