Need to promote Rupay cards n our country. But with the zero MDR on Rupay bankers are not promoting it as banking system needs basic amount to take care of cost. Kindly reconsider the policy n increase mdr for Rupay. So rupay cards are not deliberately replaced by banks as financial burden on them to Visa and MasterCard for revenue. Statistics to prove year 2019 – 65 lakh RuPay debit cards issued against 363 lakh PMJY accounts compared to 2018-465 lakh rupay card issued a 75 percent reduction.