BHIM Product Overview


Bharat Interface for Money (BHIM) is an app that lets you make simple, easy and quick payment transactions using Unified Payments Interface (UPI). You can make instant bank-to-bank payments and Pay and collect money using just Mobile number or Virtual Payment Address (UPI ID).

The following are the features of BHIM:

  • Send Money: Send money by entering Virtual Payment Address (UPI ID), Account number and QR Scan.

  • Request Money: Collect money by entering Virtual Payment Address (UPI ID). Additionally through BHIM App, one can also transfer money using Mobile No. (Mobile No should be registered with BHIM or *99# and account should be linked).

  • Scan & Pay: Pay by scanning the QR code through Scan & Pay or generate your to let others make easy payments to you.

  • Transactions: Check your transaction history and also pending UPI collect requests (if any) You can raise complaint for the declined transactions by clicking on report issue in transactions.

  • Profile: You can view the static QR code and Payment addresses linked to your account. You can also share the QR code through various messenger applications like WhatsApp, Email etc. available on phone and can also download the QR code.

  • Bank Account: Switch between multiple bank accounts linked with your BHIM App. You can set/change your UPI PIN or check your balance.

  • Language: Currently BHIM is available in 13 languages, i.e., Hindi, English, Tamil, Telugu, Malayalam, Bengali, Odia, Kannada, Gujarati, Marathi, Assamese and Bengali.

  • Block User: Block/Spam users who are sending you collect requests from illicit sources.

  • Privacy: Allow a user to disable and enable mobilenumber@upi in the profile if a secondary UPI ID is created (QR for the disabled UPI ID is also disabled).

  • Payment Reminders: Schedule payments as per your convenience.

  • Split Bill: Splitting bills with multiple UPI users at a click of a button.

*BHIM APP is available in play store (android version 5.0 & above) and App Store (iOS 8.1 and above)**



First Time User:

  • Step 1: Download and Install BHIM app from Google Play store/Apple App Store.

  • Step 2: Select your preferred language.

  • Step 3: Select SIM card which has the mobile number registered with your respective bank.

  • Step 4: Set the application passcode required to enter the app.

  • Step 5: Link your bank accounts using bank account option.

  • Step 6: Set your UPI PIN by providing last 6 digits of debit card and expiry date of debit card.

  • Step 7: Click on send and enter UPI ID or Aadhaar number. You can also Scan & Pay the QR of the person to whom you want to send money.

  • Step 8: Enter the UPI Pin you set earlier to authenticate the transaction.

  • Step 9: Check transaction history to see the status of the transaction.