How the Central Bank Digital Currency Will Work for PMGKAY

The Digital Rupee wallet functions like a prepaid card. Once the subsidy is credited, the beneficiary visits any empanelled ration shop, presents a QR code on their smartphone, and the shop’s point‑of‑sale system deducts the exact amount for the eligible grain. If the allotted amount is not fully utilized within 30 days, the remaining balance is automatically reclaimed by the government’s treasury, ensuring that unused funds are not left idle.