BHIM UPI Payments App

BHIM or Bharat Interface for Money, is a complete payment solution app that works on the Unified Payments Interface (UPI) system. BHIM is a digital payment method that allows users to make various transactions such as sending and requesting money with a Virtual Payment Address (VPA) on a real-time basis. Money can be sent and received instantly on all 365 days in a year on a 24/7 basis. The service can also be used on bank holidays. There is no need to provide bank account details such as account number or IFSC code, all transactions can be carried out using a VPA. Customers can directly pay users using their VPA or scan and pay using the QR code option in the BHIM app.

The app is available in 13 languages and 12 local languages including Hindi, Tamil, Telugu, Malayalam, Bengali, Odia, Marathi, among other languages. You can pay any of your friends or relatives using their UPI ID directly and also shop online and pay by using the ‘Pay by UPI/BHIM’ option. Many merchant outlets also accept the BHIM QR or UPI QR code.

Why to use BHIM App
  • Send and collect money using UPI.
  • Pay bills on merchant websites through UPI.
  • Book flight tickets.
  • Recharge your mobile.
  • Scan and pay using QR code.
  • Also send money using account number and IFSC code.


  • Step 1: Open the BHIM app, and choose your language
  • Step 2: Type in your mobile number registered with the bank
  • Step 3: Set your 4-digit password
  • Step 4: Link your bank account
  • Step 5: Set up your UPI PIN by typing in the last 6 digits of your debit card
  • Step 6: Once the PIN has been set up, the account will be created

Setting passcode on the BHIM app

  • You must set a passcode which will act as the PIN to operate the app. Set the 4-digit PIN number and confirm your PIN input.
  • After entering the PIN, you will be logged into the app and can view the app dashboard.

Adding Bank Accounts

  • You must add a bank account to link it to the app in order to send and receive funds. You can only link one account at a time in the app.
  • Choose your bank from the list provided and select your account which you wish to link.
  • You can change your linked bank account in the future by repeating the aforementioned steps.


You must set up your UPI PIN as a final step for authenticating payments. The UPI PIN is similar to MPIN used in other UPI-based apps. Here’s how to set up your UPI PIN.

  • Click on the main menu of the app and got to Bank Accounts.
  • Select ‘Set UPI PIN for your linked account.
  • If you have set up your UPI Pin before, the app will let you know the status. In case you haven’t, you will need to provide the last 6 digits of your debit card and also its expiry date.
  • Once you have provided the debit card details, you will receive an SMS with the OTP for authenticating the UPI reset request.
  • If you wish to change the UPI PIN, all you have to do is enter the existing PIN once and the new PIN twice.

How to Download BHIM App?

The app can be downloaded on both Android and Apple phones. To download the app on your Android phone go to Google Play Store and to download the app on your Apple phone go to Apple App Store.

How to register and use BHIM app: Step-by-step guide

If you are a first-time user, here is how you can use the BHIM app:

  • Step 1: Download the app on your phone and open it
  • Step 2: Choose the language of your preference
  • Step 3: Choose the registered mobile number that is linked to your bank account to start the verification process. Proceed to click ‘Next To complete the verification process.
  • Step 4: Select a 4-digit password and link your bank account with the app. To do this choose the name of your bank.
  • Step 5: You have now successfully registered your BHIM account

Once you have registered, you can send or receive payments. To send payments you can simply enter the mobile number or payment address of the receiver. You can also send money to banks that do not support UPI as well. You can do so using the MMID or IFSC code.

To make payments to any merchant, you can use the ‘Scan and Pay’ option to scan their QR code and make the payment.

If UPI is not activated for your bank account, then you will be asked to enter the expiry date and six digits of your debit card number.

How to Create a UPI ID or a VPA?

A default UPI ID or VPA will be allotted to users after registering on the BHIM app. This process happens by default. In case you want to add another VPA, all you have to do is go to the profile section.

How to send money using BHIM app through UPI

Step 1: Log in to the app and click on the ‘Send’ icon

Step 2: Choose the VPA of the payee/beneficiary, enter the amount, remarks and proceed to send the money

Step 3: Key in your UPI PIN to authenticate and successfully send money

How to receive/request money using BHIM app

Step 1: Log in to the app and click on the ‘Receive’ icon

Step 2: Choose the VPA of the person from whom you want to receive money from along with the transaction amount. Proceed to click submit

Step 3: The remitter will receive a notification and can either accept or reject the request

How to Transfer Money Through ‘Scan and Pay’?

Individuals can also choose to make transfers through the ‘Scan & Pay’ option in the BHIM app. This process uses a QR code, which is to be scanned to authorise the transaction.

Individuals who wish to transfer/receive money through this method can use the steps mentioned below:

  • Click on the ‘Profile’ tab on the home screen.
  • Select the ‘QR code’ which is assigned to your phone/the phone of the recipient.
  • Click on the ‘Scan & Pay’ option.
  • Scan the QR code and enter the amount to be transferred.
  • You will receive an acknowledgement once the payment goes through.

The BHIM app can be used to transfer money to any individual or merchant who has the app installed, and with over 30 banks accessible through the app, it is fast becoming the preferred means of safe and hassle-free money transfers.

Features of BHIM App:

  • Instant money transfer: With the BHIM app, money can be sent on a real-time basis at anytime and from anywhere. Also, there is no cumbersome process of adding beneficiary and filling up account details such as account number and IFSC code.
  • No bank holidays: The best part about this app is that you can send and receive money even on bank holidays and weekends.
  • Split bill with friends: The app also allows users to split bills with multiple users.
  • Payment reminders: Another feature of this app is the facility to schedule payment reminders.

Benefits Of BHIM App

  • Transactions are simple, fast, and secure
  • No additional charges
  • The app is free for download
  • Payments can be made to non-UPI banks as well
  • The app works 24/7


Available in 13 languages including English, Bangla, Hindi, and Gujrati.

UPI 2.0

UPI 2.0 saw its inception in August 2018. This is the second and latest version of the popular fund transfer platform in India. It has become popular for superseding the first version which had been created for facilitating peer-to-peer and easy transactions of funds.

Other than savings accounts and current accounts, you can now link your overdraft account to UPI as well. You can now make its transaction immediately and its benefits associated with your overdraft account will be available to you. The UPI 2.0 will be an additional digital channel for you to get access an overdraft account.

How to Enroll Yourself as a Merchant on UPI

  • Download the BHIM Aadhaar Baroda Pay Android App
  • Fill the application form and sign the merchant agreement
  • The bank will carry out the on-boarding registration process and agreement through its regions/zones

Transaction Limit and Charges of BHIM

You can make a transaction where the maximum amount is Rs.10,000. The maximum amount of money you can transfer within 24 hours is Rs.20,000. There are now charges for making a transaction via the BHIM UPI app.

Supported Mobile Platforms

As of now, the BHIM app is the one and only app that is available under UPI. This is suitable for all Google Android and Apple iOS smartphones.

How to use BHIM app to pay at a Store

The BHIM app comes with a QR code and as a BHIM app user, you can generate a unique QR code on your phone to get payments from others. Now, there are two kinds of QR codes-a QR Code for specific transaction and also a QR code which is linked to the specific account.

QR Code for Specific Transaction

Your QR code can be generated via the BHIM UPI App for requesting any payment from a BHIM app user. The payee should scan the unique QR Code for seeing the amount payable and can make the payment. As a sender, you do not have to put in the amount payable as the details of the amount will be encrypted and also included in the QR code.

QR Code Linked to a Specific Account

You can generate your own unique QR code for receiving payments to the account linked with the app. Other payments users can scan the unique code, and then enter the amount payable. The person can then transfer the money to your account.

Banks Supporting the BHIM App

Following the launch of the BHIM app, several leading banks lost no time in supporting this new system of payments in order to provide added convenience to their customers.

The Following list of banks support the BHIM UPI Payment Service

BHIM App Allowed Banks
ICICI Bank Andhra Bank
IndusInd Bank Bank of Maharashtra
Axis Bank United Bank of India
State Bank of India Bank of Baroda
HDFC Bank Union Bank of India
Standard Chartered Bank Catholic Syrian Bank
Punjab National Bank RBL Bank
Kotak Mahindra Bank Central Bank of India
Vijaya Bank Oriental Bank of Commerce
Allahabad Bank DCB Bank
South Indian Bank Karnataka Bank
Canara Bank Dena Bank
Syndicate Bank Indian Overseas Bank
Federal Bank Indian Bank
Karur Vysya Bank IDFC Bank and IDBI Bank.

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Banks That Support BHIM:

  • Andhra Bank
  • Allahabad Bank
  • Axis Bank
  • Bank of India
  • Bank of Baroda
  • Canara Bank
  • Bank of Maharashtra
  • Catholic Syrian Bank
  • DCB Bank
  • Central Bank of India
  • Punjab National Bank
  • Dena Bank
  • HDFC Bank
  • Federal Bank
  • IDBI Bank
  • ICICI Bank
  • IDFC Bank
  • Indian Overseas Bank
  • Indian Bank
  • Karnataka Bank
  • IndusInd Bank
  • Kotak Mahindra Bank
  • Karur Vyasa Bank
  • Oriental Bank of Commerce
  • South Indian Bank
  • RBL Bank
  • Standard Chartered Bank
  • Syndicate Bank
  • State Bank of India
  • TJSB
  • Union Bank of India
  • UCO Bank
  • United Bank of India
  • Yes Bank Ltd
  • Vijaya Bank

BHIM App Customer Care

You can contact the toll-free customer care number, 1800-120-1740.


  1. Is BHIM app a mobile wallet?
  2. Ans: No, the BHIM app is not a mobile or digital wallet. It is a type of payment application through which you can make payments using a VPA.

  3. What is UPI?
  4. Ans: UPI is nothing but a type of payment method, through which transactions can be processed using a VPA. Unlike, NEFT or RTGS, there is no need for bank account details or IFSC code when it comes to UPI.

  5. Can I use BHIM if my bank has not gone live with UPI?
  6. Ans: No, unfortunately, this will not be possible.

  7. What is a VPA?
  8. Ans: A Virtual Payment Address (VPA) is like an email id that helps identify users using this app. It is used to send and collect money.

  9. Can BHIM be used in foreign countries?
  10. Ans: BHIM can be used if you are travelling abroad but only to send and receive money from Indian accounts.

  11. Are there any transaction charges for using BHIM?
  12. Ans: No. It is a completely free service.

  13. Can i use BHIM if I do not have access to internet?
  14. Ans: Yes. In such a case use the *99# service to use the app without an active internet connection.

  15. What can I do if the money has not been sent but my bank account has been debited?
  16. Ans: In such a case, the transaction might have failed due to some error. The best thing to do is to report the issue on the BHIM app. The money will be credited back to your bank account in around 3 working days.

  17. If I send money to the wrong person, is it possible to cancel the transaction?
  18. Ans: BHIM allows instant money transfers and hence once a transaction has been successfully processed, it is not possible to reverse it at any point of time. However, you can try to raise a collect request, mentioning that the money was sent by mistake.

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News About BHIM

  • Now, Attractive Cash Backs for using Rupay, BHIM

    A ministerial panel that was headed by Sushil Modi gave its nod for a scheme that will give out a number of incentives for adopting digital payments. In fact, what’s interesting is that those using Rupay credit cards and the BHIM app will be able to enjoy cashbacks on payments.

    If this initiative is implemented, all users who transact using a Rupay card or a BHIM UPI can avail a cashback of up to 20% of the aggregate GST amount. The maximum cashback that can be availed is Rs.100. This suggestion will be now put forth before the GST Council. The main objective behind this move is to encourage more and more people to use digital channels for financial transactions. Other details regarding the modalities and framework of operation will be chalked out once a final nod is received from the GST Council.

    The BHIM app is a mobile-based payment application through which money can be sent and received without an account number or an IFSC code. The only piece of information that is required is a Virtual Payment Address (VPA).

    24 August 2018

  • BHIM Transactions Fall Sharply as Banks Come up with their Own Payment Apps

    Given that the share of BHIM transactions has fallen in the last year, Prime Minister Narendra Modi has reportedly urged the ministries and departments to try and push the transactions volumes. It needs to be mentioned that the share of Bharat Interface for Money (BHIM), an app that rides on the Unified Payments Interface (UPI) platform fell to less than 6.5% from the about 40-45%. This has been accounted for the fact that banks now have their own payment apps which they need to promote. To get the share of BHIM transactions up again with the help of the banks, the government would need to come up with something that results in a win-win situation for both parties. There is no denying that the increase in the share of UPI transactions for PayTm, Google Tez and PhonePe is partly because of the benefits they are offering the customers in the way of cashbacks and freebies.

    11 June 2018

  • BHIM Sees a Surge, Records Over 12 Million Transactions

    The Bharat Interface for Money (BHIM) Unified Interface Payments (UPI) application has recorded a whopping 12.6 million in April 2018. As far as the total value of transactions are concerned, the numbers stand at Rs.4,927.7 crore. This is an upward trend when compared to the earlier data.

    As far as UPI is concerned, the total number of transactions recorded was 190.1 million and the total value of the transactions stodd t Rs.27,021.9 crore. On the whole, the BHIM interface is responsible for processing around 6.6% of the total UPI transactions in the country. This is a total of 18.4% of the total transaction amount in the month of April this year.

    On the other hand, in the month of February, PhonePe recorded and accounted for 16% of the total number of UPI transactions in India. On the other hand, when it comes to Paytm, it accounts for a total of 16% of all UPI transactions in the country.

    While Google Tez has seen quite a bit of a buzz, the platform has seen a rise in the number of UPI transactions ever since its launch in 2017. To out it in numbers, there has been a 149% growth rate recorded in the months that extend between September and October. The growth rate from October to November has been 37% and the growth rate from November to DEcember has been 39%. Between December 2017 and January 2018, the growth rate witnessed has been around 4%

    21 May 2018

  • BHIM UPI is the Future: Global Economist

    well -known global economist Nouriel Roubini has praised the Indian system of digital payments -BHIM UPI.

    BHIM UPI has also gained a lot of praise from Michael Dell and Sundar Pichai. Nouriel Roubini is an American economist and he teaches at the Stern School of Business, which is a part of New York University. He expressed his appreciation in a tweet and added that the BHIM UPI system is one of the most revolutionary FinTech lanches in the area of digital payments in the system. Earlier, Michael Dell said that he is inspired by the digital payment ecosystem in the country and said that the country is using technology to make a transition into a more ‘cashless society’.

    15 May 2018

  • BHIM Transactions on the Rise in March

    There were as many as 11.95 transactions made through the Bharat Interface for Money (BHIM) application in the month of March.

    The total number of transactions made stands at around Rs.4,839.7 crore for this month. There has been an increase in the number of BHIM transactions in the month of March when compared to the previous month, which is February.

    It is also interesting to note here that the average value of each BHIM transaction has also been on a rise. For the month of March, this figure stood at Rs.4,050.

    As far as the growth rate is concerned, the total transaction growth rate is more than 2 million as far as BHIM is concerned. Also, the total transaction amount added up to Rs.828.5 crore in March. In February, the transaction growth figure stood at around 0.31 million and the total transaction amount was Rs.364 crore.

    As of now, the BHIM interface is active on as many as 82 banks in the country. It is also interesting to note here that the total number of app downloads stood at a whopping 26 million.

    16 April 2018

  • Now, BHIM UPI on Freecharge

    All UPI-based payments services can now be used on the Freecharge app and users will be able to create their own UPI IDs.

    Fund transfer transactions can be made without the need to register the beneficiary or [provide other details such as account number or IFSC code.

    All you have to do is to link your respective bank account and the money will be automatically debited from your account. The bank account will be linked to the unique UPI ID.

    3 April 2018

  • NPCI Approves WhatsApp Payments for BHIM UPI

    Even though rival digital payments services like Paytm and others have alleged that Whatspp played an unfair game with regards to the payments service that it rolled out, NPCI has supported Whatsapp. The National Payments Corporation of India (NPCI) in a statement said that it had approved the launch of Whatsapp BHIM UPI beta with low transaction limit. Once the beta test is successful the full product would be released which would give users the advantage of distributing their transaction load among banks as well as help in integrating popular apps, the organization stated. It needs to be mentioned that the organization has been trying to facilitate digital payments in the country following well defined guidelines to make the platforms interoperable, convenient and secure.

    20 February 2018

  • BHIM UPI Numbers Stand at 9.6 Million for Jan

    The total value of the BHIM UPI transactions for the month of January was Rs.3,647.2 crore and the number of transactions were 9.6 million.

    This is an increase from 9.1 million transactions in the month of December 2017. The number of UPI transactions in January stood at 151.8 million and the transaction value stood at Rs.15,571 crore.

    The push in the number of digital transactions can also be attributed PhonePe, Google Tez, etc.

    12 February 2018

  • Rs.595 Crore to Encourage Cashless Payments in India

    A total outlay of Rs.595 crore was set aside for increasing the number of digital payments made across the country. This announcement was made in the Union Budget 2018 by Finance Minister Arun Jaitley.

    Earlier, the government has planned to achieve Rs.2,500 crore cashless transactions in India. This target will most likely be met in April, 2018. The government is taking all measures to achieve this.

    Further, stress was laid on the promotion of BHIM UPI. Money can be sent and received using UPI without the account number or IFSC code. All you need is a Virtual PAyment Address.

    6 February 2018

  • BHIM UPI App Sees Transactions of 9.1 Million in December, 2017

    The UPI transactions done through the Bharat Interface for Money (BHIM) has continued to drop even in the month of December, 2017. The BHIM UPI app saw transactions worth Rs. 3,083.2 crore. Of the total UPI transactions processed in the month of December, the 9.1 million transactions done through BHIM app accounts for only 6%. The amount transacted through BHIM app accounts for 23%. Though the numbers are not great when the overall UPI transactions are taken into the picture, the monthly analysis shows improvement for BHIM.When compared to the numbers of November, 2017 the number of transactions grew by 10% while the amount transacted also saw a growth of 21%. With regards to net additions, transactions grew by 0.85 million while amount transacted grew by Rs. 529.8 crore. The average amount per transaction done through BHIM app was Rs. 3,400.

    11 January 2018

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