Big Government Payments to Go Through RBI e-Kuber From July 16

No more bureaucratic delays, but transparency in circulation of government funds more than ₹75 crore.

That’s the promise the Reserve Bank of India is ushering in with its latest directive. The process by which large governments are processed will change from 16th July, 2025, shifting to the quick and secure RBI e-Kuber platform.

So, when will big government payments be processed through the RBI e-Kuber portal? 

E-Kuber Used for Government Payments Post 16th July, 2025

As per the Reserve Bank of India’s recent bulletin, all government payments exceeding ₹75 crore will now mandatorily be routed through the e-Kuber platform from July 16 onwards.

e-Kuber, which already serves as the RBI’s Core Banking Solution (CBS), will handle all high-value disbursements from Central and State Governments. 

The move ensures a more efficient, transparent, and auditable payment ecosystem. All existing practices involving manual interfaces or third-party banks for such transactions will be phased out for the defined payment thresholds.

Transparency in Government Payments Above ₹75 Crore

Until now, the government could issue payments up to ₹500 crore via conventional banking channels, and for certain categories, the cap was ₹100 crore. 

With the new change, this threshold is being sharply reduced to ₹75 crore. This signals a major shift in India’s approach to public finance management.

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Importantly, the RBI has indicated that the threshold may be lowered further to ₹50 crore in the coming months. This phased transition highlights the regulator’s commitment to bring greater digital oversight and accountability into high-value government fund flows.

Key Features of the e-Kuber Platform

The e-Kuber system is more than just a payment gateway. It is a comprehensive digital solution tailored for secure, efficient, and transparent fund management. Here are its standout features:

• Real-time Gross Settlement (RTGS) for all eligible government transactions
   
• 360-degree visibility and audit trail of public fund disbursements
   
• Integration with key platforms like Direct Benefit Transfer (DBT), GST, and other government schemes
   
• Multi-layered cybersecurity and identity verification to safeguard funds
   
• Interoperable APIs that allow seamless interaction with various government financial systems

These capabilities are designed to ensure that public funds are tracked, managed, and distributed with unmatched transparency and security.

Who is Affected by This Rule?

This policy update will impact a wide spectrum of public sector entities:

• All Central and State Government Ministries handling large-scale budgetary disbursements
   
• Public Sector Undertakings (PSUs) involved in infrastructure, energy, and other capital-intensive sectors
   
• Government agencies and autonomous bodies that receive central or state grants above the new threshold

These entities must ensure their finance teams are aligned with the RBI’s mandate and technically equipped to process payments via e-Kuber.

Objectives Behind the Update

The RBI’s move is not just procedural; it reflects a larger vision:

• Prevent misuse of large funds through full-scale digital traceability
   
• Strengthen digital governance and financial reforms in the public sector
   
• Eliminate payment delays caused by manual approvals and dependencies on intermediary banks

This update is aligned with India’s broader push towards "Digital India" and fiscal discipline, ensuring taxpayers’ money is used responsibly and efficiently.

Conclusion

With the integration of the RBI e-Kuber platform for high-value government payments, India is stepping into a new era of digitized governance. 

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This move aims to close loopholes, enhance fund traceability, and ensure real-time processing of large government expenditures. 

As July 16 approaches, ministries and public institutions must adapt swiftly to leverage this transformative shift, and ensure that every rupee of public money is accounted for in real time.
 

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