SBI virtual RuPay is best because you will get multiple options for RuPay DC, also RuPay is SBI's core network partner, SBI will not easily devalued if RuPay will use. Govt also force PSU banks to issue more and more RuPay DC.
Normally, the government keeps injecting ₹10,000 crore or ₹20,000 crore into govt banks due to losses. This is nothing compared to other losses. SBI will continue to boldly promote RuPay and the govt also force banks for RuPay promotion.
1st option - Canara Setu
2nd option - Phonepe (Free only for RuPay DC)
3rd option - Billdesk (Amex & SCB CC billpay also supported) - Only RuPay DC accepted.
4th option - SBI Unipay