e-Wallet ya Digital Wallet isko hum e-Wallet ki jagah Electronic Wallet bhi kahte hain. Notebandi yaani Demonetization ke samay mein jab 500 aur 1000 ke note ban kar diye gaye the, to logon ko cash ki bahut samasya aa rahi thi aur cash ki kami ki wajah se logon ko paison ki len-den aur payment ko lekar bahut mushkilon ka saamna karna pad raha tha. Aise mein Digital Wallet logon ka sahaara bana, jiski madad se log aasani se payment kar sakte the aur paise ki len-den bhi kar sakte the, kyunki Digital Wallet se paison ki len-den ya payment karne ke liye cash yaani ki note ya sikkon ki zaroorat nahi padti hai. Digital Wallet mein sabhi len-den aur payment naqdirahit (cashless) hote hain. Notebandi ke time logon ko cash ki samasya aa rahi thi, banks se cash lene aur nikaalne ke liye logon ko lambi-limbi line lagaani padti thi yahaan tak ki ATM mein bhi yeh line dekhne ko milti thien, kyunki logon ko apni rozmarra ki zarooraten puri karne ke liye cash ki zaroorat thi, jisse log apni rozmarra ki cheezen khareed saken. Lekin Notebandi ke time haalat aisi thi ki logon ke paas rozmarra ki zarooraton ko pura karne ke liye bhi naqdi uplabhd nahi thi. Us time logon ko ek aise vikalp ki zaroorat thi jo logon ko cash ki samasya se chutkaara dilaaye. Aur logon ko Digital Wallet ke roop mein woh vikalp mil gya. Aur Notebandi ke time mein Digital Wallet ka istemaal logon ne shuru kar diya, aur us samay iska khoob istemaal kiya gya jiske baad yeh bahut popular ho gya. Us samay iska istemaal isliye hua kyunki logon ko isse payment karne se bahut raahat milti thi unko paise lene ke liye bank ki line mein nahi lagna padta tha woh keval apne bank se Digital Wallet mein paise add karke unka istemaal kar sakte the. Aaj ke samay mein bahut se log iska istemaal kar rahe hain, jabki kuch log iske baare jaankari nahi rakhte hain aur iske baare mein jaanne ke liye icchuk hain. To hum aapko is article mein isi ke baare mein bataane wale hain.

What is e-Wallet or Digital Wallet?
e-Wallet ya Digital Wallet Kya Hota Hai?

Digital Wallet ko aise samajh sakte hain, ki jaise aapke paas ek physical wallet hai jisko hindi ki aam bhasha mein batua kaha jaata hai, jismein hum apne paise rakhte hain aur zaroorat padne par hum un paison ka istemaal karte hain, chaahe hum kisi ko paise den ya phir kisi tarah ka bhugtaan karen. Bilkul usi tarah e-Wallet ya Digital Wallet bhi hota hai, jismein hum paise rakhte hain aur zaroorat padne par unka istemaal karte hain.
Lekin ek physical wallet aur Digital Wallet mein kaafi antar paaya jaata hai. Ek physical wallet ko hum chhoo sakte hain aur hum usmein cash yaani ki currency note ya sikke rakhte hain, aur zaroorat padne par inka istemaal karte hain. Lekin e-Wallet ya Digital Wallet ek vritual wallet hai jisko hum chhoo nahi sakte hain aur hum ismein apne bank se paise daalte hain jisko hum cash nahi kah sakte hain kyunki yeh na to currency note hota hai aur naa hi sikka balki isko virtual money kah sakte hain ya non-cash jisko hum hindi mein gair-naqdi kah sakte hain. Aur baad mein hum un paison se online payment aur doosre transactions kar sakte hain.
Agar thode shabdon mein kaha jaaye to Digital Wallet Online Payment Karne ka ek Zariya hai.
Digital Wallet humen Online Payment karne ki suvidha muhaiya karta hai. Digital Wallet mein hum paise rakh sakte hain aur zaroorat padne par unka istemaal kar sakte hain, jaise ki aap ek batue se kaam lete hain waise hi Digital Wallet se kaam le sakte hain. Digital Wallet ko aap sirf online hi istemaal kar sakte hain aur Digital Wallet ka istemaal keval online transactions ke liye kiya jaa sakta hai. Aaj ke time mein Digital Wallet ki bahut websites aur mobile apps moujood hain. Jahan aap apna account banakar in Digital Wallets ka istemaal kar sakte hain.
Digital Wallet se online transactions jaise, bill ka bhugtaan, recharge, ticket booking, fund transfer ityaadi kar sakte hain.
Fund transfer ke matlab yeh nahi hai ki aap kisi ko keval paise bhej hi sakte hain, balki Digital Wallet se aap kisi ko paise bhej bhi sakte hain aur kisi se paise praapt bhi kar sakte hain.

Digital Wallet se online kisi ko bhugtaan kar sakte hain aur kisi se bhugtaan praapt bhi kar sakte hain
Digital Wallet agar website ke roop mein hai to hum usko apne computer ya mobile phone par istemaal kar sakte hain.
Agar Digital Wallet mobile app ke roop mein hai to hum usko apne mobile phone par download karke usko istemaal kar sakte hain, aur usko apne mobile phone mein rakh sakte hain.
Waise Digital Wallet ya e-Wallet app hi zyada chalan mein hain, aur adhiktar unhi ka upyog kiya jaata hai, kyunki e-Wallet app ko aap apne mobile phone mein rakh sakte hain, aur aap apna mobile lekar ghoomte hain aur aise mein kabhi aapko bhugtaan karne ki zaroorat hui to aap apne mobile phone ke e-Wallet app ka upyog karke bade hi aasani se bhugtaan kar sakte hain.


e-Wallet Istemaal Karne ke Kya Faide Hain?


Aaj ke time ki technology ne har kaam ko pehle se kai guna zyada aasan bana diya hai. Pehle ke time mein jab banking sevaayen offline hua karti thien to transaction hone mein kai-kai din ka time lagta tha, lekin ab jab se banking sevaayen online hogain hain to transactions ke liye 1 minut bhi nahi lagta. 
e-Wallet ya Digital Wallet bhi online banking ki hi den hai. Jis tarah banking ki online services ne humen faida pahuchaaya hai, aur transactions ko aasan banaya hai usi tarah e-Wallet ne bhi humen bahut faida pahuchaaya hai aur humaari bhugtaan sevaaon ko aasan bana diya hai.
e-Wallet ke istemaal se hum khud se hi ghar baithe bahut saari cheezon ke liye bhugtaan kar sakte hain, jaise bijli ki bill ka bhugtaan, gas ki bill ka bhugtaan, landline aur broadband etc. ki bill ka bhugtaan.
Iske alaawa aap e-Wallet se Mobile Recharge, DTH Recharge DataCard Recharge ityaadi kar sakte hain.
e-Wallet se aap doosre ko paise bhej sakte hain, aur doosre se paise praapt bhi kar sakte hain. 
e-Wallet mein bahut se aise e-Wallet hain jo aapko 'Bank Transfer' ki suvidha dete hain, jiski madad se aap apne e-Wallet ke paise ko bank account mein daal sakte hain.


Waise to e-Wallets bahut saari companies provide kar rahi hain lekin unmein se kuch prachalit e-Wallets ki baat karen to unmein yeh aate hain: 
  • Paytm
  • PhonePe
  • Mobikwik
  • Oxigen Wallet
  • PayUMoney
  • Freecharge
  • ICICI Pockets
  • JioMoney
  • State Bank Buddy
  • BHIM
  • Airtel Money
  • HDFC Payzapp
  • Axis Bank Lime




Shayad kuch logon ke man mein yeh bhi sawaal uth sakta hai ki e-Wallet mein paise kahan se aayenge jo hum usko bhugtaan karne ke liye istemaal karenge?


e-Wallet ya Digital Wallet Mein Paise Kahan se Aayenge?


 e-Wallet mein paise add karne padte hain, jo tabhi mumkin ho sakta hai jab aapke paas bank account moujood ho, nahi to aap kisi aur se apne e-Wallet mein paise dalwa sakte hain.
e-Wallet mein paise 4 tareeke se add kiye jaa sakte hain:


  • Net Banking se
  • UPI BHIM se
  • Credit Card se 
  • Debit Card se
Agar aapke paas bank account nahi hai aur aapke paas mein Credit Card hai to aap usse apne e-Wallet mein paise daal sakte hain.