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|What is Digi Khata, and how does it function?
Digi Khata is a revolutionary digital financial platform that simplifies your financial operations. It offers various financial services, such as easy money transfers, bill payments, recharges, and more, all under one roof. With Digi Khata, you can manage your finances anytime, anywhere, and enjoy a seamless digital experience.
|Can Digi Khata be considered a bank?
While Digi Khata isn't a traditional bank, it operates as a comprehensive digital financial product. Its digital wallet provides various financial services while complying with relevant financial standards and regulations, ensuring a secure and efficient financial ecosystem.
|What is the process for opening a Digi Khata account?
Setting up a Digi Khata account is a straightforward process. You can easily open an account by either downloading the mobile application and creating an account through it or by visiting the nearest Digi Khata kiosk branch. To fully utilise the capabilities of Digi Khata, you will need to complete the KYC (Know Your Customer) process, which ensures a secure and compliant onboarding process.
|How do I complete the KYC process?
Completing the KYC process for Digi Khata is simple and secure. After setting up your account, visit the nearest Digi Khata kiosk for verification. The KYC process includes Aadhaar Card and Pan Card verification through OTP sent to your registered mobile number. Additionally, a Video KYC step will be conducted for enhanced verification, ensuring the safety of your financial transactions.
|Are there any charges for opening a Digi Khata account?
Creating a Digi Khata account is absolutely free. While most of our services come with no charges, there might be minimal fees associated with specific offerings, ensuring transparent and affordable financial solutions.
|How long does it take to open a Digi Khata account?
The Digi Khata account is opened instantly within minutes after completing all three steps. Say goodbye to lengthy waiting periods and experience the convenience of immediate access to your financial services.
|What is KYC, and why is it important?
KYC stands for "Know Your Customer" and is a crucial process to identify and verify customers as per regulatory requirements. It ensures the authenticity of user identities and helps in curbing fraudulent practices, making the financial ecosystem more secure and reliable.
|How can a customer complete the KYC process for Digi Khata?
A customer could be a Digi Kiosk, Digi Vyapaar or an individual. Completing the KYC process for a customer involves complete Aadhaar Card and Pan Card verification through OTP on your registered mobile number. Next, for enhanced verification, conduct a Video KYC within the mobile application. If you want to become a Digi Kiosk there is a six step process with physical KYC wherein a Digikhata representative will physically verify all documents that are Aadhaar Card, Pan Card, Address Proof, Shop and Establishment proof etc. If you want to register as a Digi Vyapaar a full physical KYC process will be followed This seamless process ensures your account's activation and ensures you have access to all our financial services.
|Are there any fees to open a Digi Khata account?
No, there are no fees for individual customers to open a Digi Khata account. Enjoy the convenience of setting up your account without any additional charges.
|Is my money safe with Digi Khata?
Yes, at Digi Khata, the safety of your money is of utmost importance to us. We follow strict security protocols and industry-standard encryption to provide maximum protection to each customer's financial transactions and data.
|What is a RuPay Prepaid Card?
A RuPay Prepaid Card is a Prepaid Instrument that functions like any other debit card, allowing you to make online and offline transactions with ease and security.
|How can I deposit cash in my Digi Khata account?
Depositing cash into your Digi Khata account is easy and hassle-free. Simply visit the nearest Digi Khata touch point, and you can load cash into your account. The maximum deposit allowed per month is 50,000 rupees, providing you with flexibility in managing your finances.
|How can I withdraw cash from my Digi Khata account?
For cash withdrawals, visit the nearest Digi Khata touch point, and you can easily withdraw cash. Each transaction allows a maximum withdrawal of 2000 rupees, with up to 5 transactions per month. The monthly withdrawal limit is 10,000 rupees, giving you access to your funds when you need them.
|What is contactless payment?
Contactless payments are the latest trend in the world of digital transactions, offering a seamless and secure payment experience. With contactless payment, you can make transactions by simply tapping the card or mobile device on a contactless-enabled payment terminal, eliminating the need for physical swiping.
|What services are available with a Digi Khata account?
With a Digi Khata account, you gain access to a comprehensive range of financial services. From money transfers, bill payments, recharges, withdrawal and deposits etc. our platform offers everything you need to manage your finances efficiently and conveniently.
|How do I get a Digi Khata prepaid card?
Once your Digi Khata account is opened, you will receive an instant virtual card accessible through the app. If you prefer a physical card, you can easily apply for one through the app, and it will be delivered to your address within 7 working days.
|How do contactless payments work?
Contactless payments use near field communication (NFC) technology to enable transactions between the card or mobile device and a contactless-enabled payment terminal. The process is swift, secure, and ensures a seamless payment experience with just a simple tap.
|Do I need to be an Indian resident to have a Digi Khata account?
Yes, to have a Digi Khata account, Indian residency is a requirement. Digi Khata caters exclusively to Indian residents.
|What age do I need to be to open a Digi Khata account?
To open a Digi Khata account, you must be above 18 years old. This ensures compliance with regulatory guidelines and safeguards the interests of all users.
|What advantages do the unbanked and rural populations get with Digi Khata?
Digi Khata offers a simple and accessible solution for the unbanked and rural populations. By eliminating the need for long queues and paperwork, it provides instant access to digital money transfer, online payments, bill payments, and recharges. This empowers individuals to become part of the financial inclusion program, enabling financial empowerment and growth.
|What are the requirements for opening a Digi Khata account?
Customers need an Aadhaar card and Pan card for verification to open a Digi Khata account. For channel partners or kiosk owners, more detailed papers and physical KYC are required to ensure compliance and security.
|What can I do with my Digi Khata account?
With a Digi Khata account, you gain access to a wide range of financial services. From money transfers and bill payments to recharges, loans, and more, Digi Khata ensures all your financial needs are met conveniently and efficiently.
|Can I deposit or withdraw money without biometric authentication?
Yes, you can deposit money without biometric authentication. However, for withdrawals, both OTP and Biometrics options are available, providing an additional layer of security to your transactions.
|How can I transfer money between Digi Khata accounts?
Transferring money between Digi Khata accounts is a breeze. Simply use the app's Money Transfer tab, select the recipient's Digi Khata account number, and follow the steps provided. With just a few taps, you can securely transfer funds to your friends and family.
|How can I reset the PIN for my Digi Khata account?
To reset your PIN, click on the reset PIN option on the app. Fill in the required details, and you will receive an OTP for verification. Follow the instructions provided to reset your PIN securely, ensuring the safety of your account.
|What should I do if my mobile number is changed?
If your mobile number changes, promptly visit the nearest Digi Khata Kiosk for assistance. Our support team will help you update your information and ensure a seamless experience with your new mobile number.
|How do I get a receipt for transactions made through Digi Khata?
Getting a receipt for your transactions made through Digi Khata is simple. You can easily view and download transaction receipts through the transaction history on the app. Stay organized and keep track of your financial activities effortlessly.
|Can I make international transactions with Digi Khata?
No, Digi Khata focuses on supporting domestic transactions within India. At the moment, international transactions are not supported by the platform.
|What security measures are in place to protect my Digi Khata account?
Your security is our priority at Digi Khata. We employ industry-standard security protocols, including encryption, secure login, and multi-factor authentication, to provide maximum protection to your account and ensure a safe digital experience.
|How can I contact Digi Khata customer support?
We value your queries and concerns. You can easily contact Digi Khata customer support through the app or by visiting the nearest Digi Khata Kiosk. Additionally, you can find our contact information on the website for further assistance. You can also check the email id and phone number on the contact us page on the website www.digikhata.in and get send in your queries.
|How can I raise an issue related to my account?
If you encounter any issues related to your Digi Khata account, rest assured that we are here to help. You can easily raise any concerns by contacting our customer care helpline or sending an email to our dedicated customer support email address. Our team will promptly address your concerns and provide the necessary assistance. You could also visit the nearest Digi Kiosk and get immediate assistance.
|What is the validity of a Digi Khata wallet?
There is no validity period for your Digi Khata wallet. Your wallet remains active as long as you maintain an account with us. Enjoy the convenience and accessibility of your wallet without any expiration worries.
|What is Digi Khata Assistance, and how does it work?
Digi Khata Assistance is a comprehensive support service available to all our customers. Whether you need help with features, usage, downloads, or any other aspect of Digi Khata, we are here to assist you. Access this assistance through our vast network of touchpoints across India, or simply reach out to our customer care team by calling or dropping an email to the provided customer care email address. We are committed to providing you with the best support for a smooth and satisfying experience with Digi Khata.
|How can I generate a UPI ID with Digi Khata?
Generating a UPI ID with Digi Khata is simple and instantaneous. Once your account is activated, the UPI ID will be automatically generated within the app, allowing you to make quick and secure transactions. Or you could also create a customised UPI id once your account is activated.
|Can I transfer money internationally using Digi Khata's UPI services?
No, Digi Khata's UPI services are currently limited to domestic transactions within India. Enjoy swift and seamless transactions within the country through our secure UPI services.
|How does Digi Khata prioritize the security of my account?
At Digi Khata, we prioritize the security of your account by implementing Two-Factor Authentication (2FA) for added protection. Additionally, we provide the option to switch off your card and app when not in use. In case of a misplaced card, you can instantly block it through the app, ensuring the safety of your account.
|What kind of support does Digi Khata offer to its customers?
Digi Khata provides comprehensive support to its customers, assisting with various aspects such as downloads, activations, and any other queries they may have.
|Where can I make cash deposits or withdrawals for my Digi Khata account?
You can conveniently make cash deposits at any of the over 1 lakh Digi Khata touch points across India or Digi Kiosk. For cash withdrawals, visit the nearest touch point. Each transaction allows a withdrawal of up to Rs. 2,000, with a maximum of 5 withdrawals per month. The total monthly withdrawal limit is Rs. 10,000.
|What are the minimum and maximum limits for cash deposits and withdrawals?
The minimum and maximum limits for cash deposits and withdrawals are as follows: You can deposit any amount ranging from Rs. 1 to Rs. 50,000 in a month. Each withdrawal allows up to Rs. 2,000, with a total monthly withdrawal limit of Rs. 10,000.
|What are the minimum and maximum limits for transferring money with Digi Khata?
Digi Khata does not impose any minimum or maximum limits for money transfers. A full KYC account can hold up to Rs. 2 lakhs at any given time.
|Can I transfer money without biometric authentication?
Yes, you can easily transfer money from the Digi Khata app without biometric authentication. However, certain retailers or assistance points may require biometric or OTP authentication for added security.
|What features does the Digi Khata virtual prepaid card offer?
The Digi Khata virtual prepaid card boasts various features, similar to a physical prepaid card. It is UPI-enabled, making it convenient for both online and offline transactions at any merchant point.
The Digi Khata virtual prepaid card boasts various features, similar to a physical prepaid card. It is UPI-enabled, making it convenient for both online and offline transactions at any merchant point.
|How extensive is Digi Khata's network of branches?
Digi Khata boasts an extensive network of 1 over lakh branches strategically spread across India.
|How can I use Digi Khata for online shopping and in-store purchases?
Using Digi Khata for online shopping and in-store purchases is simple. You can make payments by swiping the card or using the UPI handle at any merchant point.
|Are there any charges for using Digi Khata services?
As of now, Digi Khata services are entirely free, with no associated charges.
|Can I open a Digi Khata account without a credit check or a bank account?
Absolutely! You can open a Digi Khata account without a credit check or a traditional bank account. However, to initiate transactions, you need to maintain a balance in the account since it is a prepaid card.
|Is there a dedicated mobile app for Digi Khata?
Yes, Digi Khata has a dedicated mobile app available for download.
|How can I download the Digi Khata mobile app?
Downloading the Digi Khata mobile app is easy. You can find it on both the Play Store and App Store.
|Is the Digi Khata app compatible with both Android and iOS devices?
Certainly! The Digi Khata app is compatible with both Android and iOS devices, ensuring seamless accessibility.
|What is the process to register or log in to the Digi Khata app?
Registering or logging in to the Digi Khata app is a breeze. Simply enter your saved credentials along with the OTP or PIN provided during the account setup.
|Are all Digi Khata services accessible through the mobile app?
Yes, all Digi Khata services are easily accessible through the user-friendly mobile app, making your financial management effortless.
|What types of details are required to open a Digi Khata account?
To open a Digi Khata account, you need to provide essential details such as your Aadhaar linked mobile number, PAN (Permanent Account Number), and Aadhaar Number.
|Is any physical document required to open the account?
No physical documents are required if you have PAN details and an Aadhaar linked mobile number.
|What information is mandatory for opening a Digi Khata account?
The mandatory information for opening a Digi Khata account includes basic details such as your Name, Age, PAN, and Aadhaar details.
|Does Digi Khata charge any fees for maintaining an account?
No, maintaining a Digi Khata account is entirely free of charge.
|What is the minimum balance requirement for a Digi Khata account?
You can maintain a minimum zero balance in your Digi Khata account, ensuring flexibility and ease of use.
|How much does it cost to get the physical Digi Khata Prepaid Card?
To obtain the physical Digi Khata Prepaid Card, there is a nominal charge of Rs. 199.
|From where can I collect my physical Digi Khata Prepaid Card?
You can conveniently collect your physical Digi Khata Prepaid Card either from your nearest retailer shop or opt for home delivery through courier.
|Where is the Digi Khata Prepaid Card accepted?
The Digi Khata Prepaid Card is widely accepted for various transactions, including online payments, shopping, and at petrol pumps, among other places.
|Are there any charges for loading money into my Digi Khata account?
No,there are no charges for loading money into your Digi Khata account, ensuring a seamless and cost-effective experience.
|Are there any charges for transactions made through Digi Khata?
No, you can perform transactions through your Digi Khata account without incurring any charges, ensuring convenient and hassle-free financial management.
|Can I open a Digi Khata account if my Aadhaar number is not linked with the mobile number?
Yes, if your mobile number is not linked with Aadhaar, you can still open a Digi Khata account by following the simple offline process for activation.
|What is the process and required documents for opening an account if Aadhaar is not linked with the mobile number?
To open a Digi Khata account without linking Aadhaar to your mobile number, you need to visit your nearest retailer shop and submit the necessary documents as per the process.
|What should I do if the amount is debited from my Digi Khata account but not received by the Merchant?
In such cases, rest assured that the transaction will be automatically reversed within the prescribed Turnaround Time (TAT) of T+2 days, where T represents the transaction date. This ensures your money is returned to your account in a timely manner.
|Is there an upper limit on the amount in my Digi Khata account?
Yes, you can hold a maximum of Rs. 2 Lakhs in your Digi Khata account, enabling you to manage your finances effectively.
|How can I transfer an amount from my Digi Khata account using a UPI ID?
To transfer an amount from your Digi Khata account using a UPI ID, simply enter your UPI ID, which is Your Registered Mobile No. followed by "digikhata" (Example: 98333XXXXX@digikhata).
|What should I do if the amount is transferred from my Digi Khata account but not credited to the bank?
In such instances, you should check the transaction status. If it shows "PENDING," allow the Turnaround Time (TAT) of T+2 Days to elapse. If the status is "FAILED," you can attempt the transaction again. For a status of "SUCCESS" without receiving the money, you can raise a complaint with the Digi Khata support team.
|How can I reactivate my Digi Khata account if it gets deactivated or blocked?
If your Digi Khata account gets deactivated or blocked, reach out to the Digi Khata support team for prompt reactivation and assistance.
|In how many days does the account get deactivated if no transactions are made?
If no transactions are made, your Digi Khata account will become inactive within 180 days. However, you can easily reactivate it by resuming transactions.
|What is the daily/monthly cash withdrawal limit from my Digi Khata account?
You can withdraw up to Rs. 2,000 per day per transaction from your Digi Khata account, ensuring you have access to your funds when needed. The maximum cash withdrawal limit is Rs. 10,000 per month.
|What is the daily/monthly cash deposit limit in my Digi Khata account?
You can deposit an amount ranging from Rs. 1 to Rs. 50,000 in your Digi Khata account, while the total balance should not exceed Rs. 2 Lakhs. Digitally one can deposit more than Rs. 50,000 but at a time one account cannot hold more that Rs. 2,00,000.
|What is the daily/monthly collection limit for a retailer from the Digi Khata account?
A retailer can collect up to Rs. 2 Lakhs per day/month from the Digi Khata account, facilitating seamless transactions. Out of which maximum cash collection per account cannot exceed Rs. 50,000.
|How can I get in touch for any issues or support related to Digi Khata?
For any issues or support related to Digi Khata, you can conveniently contact the Digi Khata customer care or send an email to email@example.com. You could also visit the nearest Digi Kiosk for assistance.
|How can I block my Digi Khata Prepaid Card if it gets lost?
In the unfortunate event of losing your Digi Khata Prepaid Card, you can easily block it using the Digi Khata app's "Block your card" option, securing your funds and account.
|How can professionals benefit from a Digi Khata account?
Professionals can reap numerous benefits from having a Digi Khata account. It allows efficient expense management, provides instant accounts and UPI handles, and safeguards the main bank account from fraud by using Digi Khata as a secondary account for various payments. The account offers better accounts and statements management and the flexibility of a zero-balance account. Additionally, professionals can opt for a Digi Khata Prepaid Card, physical or virtual, as per their needs. The card can be easily switched on and off for added security, and cash generated from their business can be conveniently deposited at the nearest Digi Khata Kiosk, with the option to withdraw cash at the same touchpoint.
|What advantages do independent workers get with Digi Khata?
Independent workers can enjoy a host of advantages with Digi Khata. The platform offers better expense management, allowing them to open an account with zero minimum balance. With easy and hassle-free transactions facilitated through the mobile app, managing finances becomes a breeze. Independent workers can opt for a Digi Khata Prepaid Card, which can be switched on and off as needed, ensuring added security. The platform also helps them efficiently manage and safeguard against fraudulent practices. Moreover, they can deposit cash generated from their business at the nearest Digi Khata Kiosk and withdraw cash from the same touchpoint, ensuring convenience at every step.
|How can students benefit from a Digi Khata account?
Students can benefit greatly from a Digi Khata account. The account setup process is simple and quick, allowing them to open an account instantly with just three steps. With easy and convenient access, students can manage their finances seamlessly, even with smaller amounts. Digi Khata serves as an ideal first account for students, promoting healthy saving and investment habits. With the mobile app, students can easily access and utilize their accounts, making their financial journey hassle-free.
|What benefits do homemakers get with Digi Khata?
Homemakers find great convenience with Digi Khata, as it eliminates the need to handle cash or keep large sums at home. The platform is perfect for managing daily petty cash expenses, ensuring quick, easy, and secure transactions. With Digi Khata, homemakers gain visibility of payment status and balances, ensuring their money is safe while adhering to regulatory guidelines. It empowers them to take charge of their finances with ease.
|How do elders benefit from having a Digi Khata account?
Elders benefit significantly from having a Digi Khata account, particularly in terms of safeguarding their cash while moving around. With Digi Khata's virtual card and wallet, elders no longer need to carry large amounts of cash, providing them with a secure and convenient alternative. For added flexibility, elders can also opt for a physical card. Digi Khata ensures that their finances are safe and accessible, providing peace of mind.