IntroductionThe tradition of offering Dakshina, a monetary gift symbolizing blessings, is undergoing a modern transformation in Nepal, especially during Dashain. With the rise of smartphones, internet access, and the increasing popularity of digital payment platforms, many are now opting for Digital Dakshina over cash. This blog explores why digital transactions are becoming a popular trend during festivities and how they provide convenience, safety, and innovation in a time-honored tradition.Digital Dakshina refers to the act of offering blessings in the form of money using digital payment platforms instead of physical cash. As we continue to embrace digitalization in all aspects of life,
traditional practices like Dakshina are also evolving. This trend has become particularly noticeable during the Dashain and Tihar festivals, as it offers a seamless, cashless option for transferring money.Benefits of Digital DakshinaSafety MeasuresThe global pandemic has reshaped many cultural practices, including our interaction with money. Digital Dakshina helps reduce physical contact, thereby minimizing the risk of transmitting contagious diseases. Physical currency passes through many hands, making digital transactions a more hygienic alternative.ConvenienceThe ease of making digital payments is one of the main reasons this trend has gained popularity. No more worrying about carrying cash, losing it, or having it stolen. With a smartphone, internet connection, and mobile banking or wallet apps like eSewa, Khalti, or Hamro Pay, you can send Dakshina with a few clicks or by scanning QR codes. This convenience makes digital payments an appealing option, especially during busy festival days.Additionally, digital transactions eliminate the hassle of finding new notes during festivals, a common challenge many face. Traditionally, people search for fresh notes to give as Dakshina, but digital payments resolve this issue entirely. Instead of visiting multiple banks or waiting in line, a quick transaction on your mobile phone ensures your blessings are delivered instantly and conveniently.Discretion and PrivacyOffering Dakshina can sometimes bring awkwardness, particularly when the giver or recipient feels self-conscious about the amount. Digital Dakshina offers a discreet way to give without drawing attention to the transaction. The electronic nature of the exchange keeps the process private, sparing both parties from any potential embarrassment.Environmental Impact: Prolonging the Lifespan of Paper BillsUsing physical notes during Tika ceremonies often leads to wear and tear due to exposure to tika and other materials. By opting for digital payments, you contribute to extending the lifespan of paper money, helping reduce the costs incurred by Nepal Rastra Bank in printing new notes. Did you know Nepal Rastra Bank spends around NPR 400 million annually to print new notes? If more people adopted Digital Dakshina, this expense could be reduced, benefitting both the economy and the environment.A New, Fun ExperienceThe shift from cash to Digital Dakshina adds a modern twist to a traditional practice. Receiving Dakshina via digital platforms can make the experience more interactive and rewarding. Many digital wallets offer cashback, rewards, and other incentives that make digital transactions more enjoyable and beneficial.This "new trend" is not just about convenience; it’s about making Dakshina more engaging. Imagine the joy of receiving Dakshina and also earning cashback in the process. This year, many banks and digital platforms are offering special Digital Dakshina promotions, adding to the fun.Bank Offers Promoting Digital DakshinaSeveral banks and digital payment platforms are now promoting Digital Dakshina with special offers. For instance, last year, we had the following offers:Global IME Bank offered 10% cashback when users transferred Dakshina using their Global Smart Plus app. This promotion was available on Tika day between 11 AM to 2 PM.Digital wallets like eSewa, Khalti, and IME Pay actively promoted Digital Dakshina with similar offers during Dashain 2080.While few banks have advertised offers for this year’s Dashain (2081 BS), we are still waiting for further information before updating you. However, if last year is any indication, there will be exciting rewards for those embracing digital payments this festive season.How Saral Banking Sewa Can HelpAt Saral Banking Sewa, we offer comprehensive tools to help you compare interest rates and deposit accounts across all major banks in Nepal. Whether you're looking for the highest interest rates or simply want to understand which banks offer the best deals for your specific needs, Saral Banking Sewa is your trusted partner in navigating the banking landscape.You can explore more about various deposit accounts, including special savings accounts, remittance savings accounts, and children's savings accounts, through our detailed comparison tool here. Additionally, if you're interested in applying for a savings account with Siddhartha Bank, you can do so easily using this form.ConclusionAs we continue to integrate digital technologies into our lives, Digital Dakshina represents a meaningful way to honor traditions while embracing modern convenience. Whether it's for safety, convenience, or simply to try something new, consider making the switch this Dashain.By opting for Digital Dakshina, you not only reduce the need for fresh notes and the hassles of cash handling but also contribute to saving millions for the national economy. Let’s modernize this beautiful tradition together and make Dashain 2081 truly special with the help of digital platforms.And when it comes to managing your finances, let Saral Banking Sewa be your go-to platform for comparing savings accounts, interest rates, and more. Let's embrace a smarter, safer, and more rewarding way to celebrate Dashain this year!
