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BHIM Product Overview

Most Popular Queries
A. Unable To Login/Use BHIM
Why is my mobile verification process failing repeatedly?
  • Mobile verification process can fail due to any of the following reasons:

    • The app is unable to send an SMS to your number
    • There is some network error on your phone
How can I fix it?

Kindly ensure that your mobile phone has network connectivity (mobile data is switched on and flight mode turned off). In case you are still facing issues, you can update to the latest version of the app by logging in to Play store/Appstore and try again.

What do I do when I get the ‘SMS Sending Failed’ notification while registering my mobile number?
  • Make sure that there is network connectivity on your phone (mobile data is switched on and flight mode is turned off)
  • Your telecom service provider might charge you an SMS fee for sending the SMS. Ensure your phone has sufficient balance to send the SMS.
  • Do not switch screens/applications during the process of registration. Doing so will lead to your session expiring.
I am not able to login to my BHIM App even after entering my passcode. What do I do?
  • Make sure that your phone has network connectivity (mobile data is switched on and flight mode is turned off)
  • Make sure the passcode you have entered is correct. In case you do not remember your passcode, you can click on ‘Forgot Passcode’ and reset it.
B. Unable To See My Bank While Linking Account.
Why am I not able to see my bank while linking my account?
  • You will only be able to see the Bank that is live on BHIM. You can check the list of banks that are live on BHIM here.
What can I do when I get the ‘Unable To Fetch A/c’ Or ‘Account Does Not Exist’ notification?
  • If you get the ‘Unable to fetch A/c’ notification, kindly wait for few minutes and try again later. This error could show up when the is offline.
  • If you are getting an error while trying to link a Minor A/c or Joint A/c on BHIM, you may have to contact your bank.
  • In case you are trying to link an account type that is not supported by your bank’s internal policy (Minor, Joint, Dormant A/c etc.), kindly contact your bank.
  • If you get the ‘Account does not exist’ notification, ensure that you’ve selected the correct bank account and that you’ve linked your mobile number to that bank account.
  • In case of Dual SIM, kindly ensure that you select the number that is linked to the registered bank account.
C. Unable To Add/Change/Remove Bank Account
I am unable to change my default bank account on BHIM.
  • Login to your BHIM App > Bank Account. You will then be shown the accounts that you have linked to your BHIM account. You can click on the ‘Make Default’ option next to the bank account you would like to make your default account.
I am unable to remove my bank account from BHIM
  • Login to BHIM App > Bank Account. You will then be shown the bank accounts that you’ve linked to your BHIM account. You can select the ‘Remove’ option under the account that you would like to remove/delete/unlink from your BHIM account.
How many bank accounts can I link with my BHIM account?
  • You can link up to 5 accounts with your BHIM account.
D. Unable To Set/Change UPI Pin
I am not able to set my UPI PIN. What do I do?

You will require the last 6 digits and expiry date of your debit card to set the UPI PIN. If you fail to receive the OTP in time, kindly click on the ‘Resend OTP’ option. If it does not work, please wait for some time, and try again. Please note that only Debit cards linked to the account can be used for setting the UPI PIN.

How can I reset my UPI PIN?

Login to your BHIM App > Bank Account. You will then be shown the accounts that you’ve linked to your BHIM account. You can select the ‘Reset’ option under the bank account you’d like to change the PIN of. (Please keep your Debit Card details handy to reset your UPI PIN.)

What Should I do if I have exceeded the number of login attempts by entering the wrong UPI PIN?

You will have to wait for 24 hours post which you will be allowed to make any transactions.

Why do I get a ‘Wrong Debit Card Details’ error while trying to set UPI PIN?

This error occurs when the details you have entered are incorrect. Kindly get in touch with your bank if you get the error message even after entering the correct details.

E. Not Able To Send/Receive Money
Why Am I Not Able To Send Money?
  • Your per day transaction limit is Rs. 40,000 on BHIM
  • If you’re sending money to a UPI ID, please, make sure that you’ve entered the correct UPI ID.
  • Kindly ensure that you’ve entered the correct UPI PIN.
  • You will not be able to send money if your bank is facing some issues.
  • If you’re a new user on BHIM, you are allowed to do transactions of up to Rs. 5000 for the first 24 hours.
  • You will be able to utilise your daily limit of Rs 40,000 24 hours after you’ve registered
  • Kindly note that your bank’s transaction limit may vary from that of BHIM
Why Do I See ‘Per Transaction Limit Exceeded’?
  • A user on BHIM can send money to a limit of Rs. 40,000 per transaction and Rs. 40,000 per day.
  • If you’re a new user, you are allowed transactions of up to Rs. 5000 for the first 24 hours.
  • You will be able to utilise your daily limit of Rs 40,000 24 hours after you’ve registered
  • Kindly note that your bank’s limit may vary from that of BHIM
Why Do I See ‘Risk Threshold Exceeded’?

A user on BHIM can make only 10 financial transactions per day and the total of these transactions cannot exceed Rs. 40,000.

Once you’ve exceeded your daily transaction limit, you’ll receive the ‘Risk threshold exceeded’ notification.

F. Transaction Related Queries
What should I do if I have transferred the money but the it hasn’t been credited to the receiver’s account?
  • If your BHIM App states that your transaction is successful but your beneficiary hasn’t received the money, you might want to check whether you’ve entered the correct details (UPI ID or A/c IFSC).
  • In case your transaction is in ‘Pending’ status kindly check the status of the transaction after T+2 working days. If the issue still persists, kindly reach us out via our customer care number.
  • In case your transaction has failed, but the amount was debited then the same will be reversed to your account in T+2 working days.
  • If you still face the issue, you can reach out to us or raise a complaint via your BHIM App.
Can I reverse a transaction if I mistakenly sent the money to the wrong account?

You can get in touch with your bank and raise a complaint for a chargeback.

Whom should I contact in case of any issues with the app?

You can report any feedback/suggestion/complaint on the app

Why is my transaction getting declined?

Your transaction may be declined due to any of the following reasons:

  • Either of the bank servers might be temporarily down. In that case, kindly wait for some time before you re-initiate the transaction.
  • It might be a suspected case of a fraudulent transaction.
  • You might have entered the wrong UPI PIN.
  • The beneficiary details you entered might be incorrect.
  • Your mobile number might be linked to multiple types of accounts in the same bank.
  • If you’ve changed your mobile number linked to your bank account then there is a possibility that the bank hasn’t updated your new number due to which you will not be able to complete your transaction. In this case, kindly contact your bank.
  • The transaction you’re trying to complete might be a violation of your bank’s policy. In this case, kindly contact your bank.
G. IPO Related Queries
What are the requirements to participate in an IPO, through UPI?
  • Your bank should be registered as a certified Issuer Banks for UPI in the SEBI website
  • You should have an active UPI ID created
  • You should be on the latest version of BHIM Application.
  • Note: The per transaction limit for IPO through UPI Payment is Rs. 2,00,000.
How do I know if I have received an IPO request and how do I accept it?
  • You will receive a notification as well as an SMS from your BHIM App informing you about the request
  • You can login to your BHIM app > My Mandates > Pending. You’ll be able to see the IPO requests
  • All IPO collect requests would have a ‘Verified Merchant’ mark to ensure that it is not Fraudulent
  • Kindly ensure that you check the amount before accepting the request
How can I modify or cancel my request once the mandate ss created?
  • Any modification or cancellation of the bid post successful creation can be only done via the intermediary through whom the bid was placed.
  • For modification, you will have to approve the modification request on your BHIM app once you receive it.
  • In case of cancellation, you will receive a notification from BHIM stating that mandate has been revoked.
How Do I Know If My Bid Has Been Placed Successfully?
  • Login to BHIM->Select My Mandates -> Go to Active and you’ll be able to see the IPO request. This would mean that your bid has been placed successfully.
  • You will be receiving an SMS from your Bank as well as BHIM confirming the block of amount on the account which means the bid was successful. The status of the same can be confirmed with the intermediary through whom the bid was placed.
What do I do if I get an error while accepting an IPO mandate request? (Scenarios Of Modify, Revoke And Execution)
  • In case of any error during Creation or Modification of a mandate request, the same can be re-initiated by approaching the intermediary to whom you had submitted the application form.
My broker claims to have sent a request, but I haven’t received it. What should I do?
  • You should wait for some time and then request your broker to reinitiate the transaction.
Will I be able to know whether I have gotten the allotment or not?
  • Please note that BHIM being a payment platform does not guarantee the allotment of shares.
  • Kindly contact the intermediary through whom the bid was placed in case of any queries regarding allotment. However, if you’ve been allotted then the bid amount would be debited basis allotment (Full Allotment or Partial Allotment) for which you would receive a notification as well as an SMS from BHIM and your Bank.
  • If you’ve not been allotted, then your amount shall be unblocked, post which you will receive an SMS from your bank regarding the same.
About BHIM
What Exactly Is BHIM?

BHIM – Bharat Interface for Money is a UPI based payment interface that allows real time fund transfers using a single identity like your mobile number or name.

What Can I Do With BHIM?
  1. You can transfer and receive money from any person using UPI
  2. You can pay bills on merchant websites with UPI
  3. You book flight tickets or recharge your mobile
  4. You can scan a QR code to make quick payments
  5. You can check your transaction history on UPI
  6. You can send money to Account and IFSC code
Where and how can I pay using BHIM?
  1. Pay your friends or relatives directly through their UPI ID.
  2. While shopping online, click on the ‘Pay by UPI/BHIM’ option
  3. Scan UPI QR/BHIM OQ code at merchant outlets to make payments
Is BHIM A Wallet?

BHIM is not a wallet. It is a payments application that allows users to make instant bank transfers.

What Is UPI?

UPI is a simple payment method that allows easy money transfer from one person to another, digitally. It is similar to NEFT or RTGS transfers.

Is BHIM Available For All Handsets And Operating Systems?

BHIM can be used currently on all handsets with iOS (version 9.0 and above) & Android OS (version 5.0 and above).

In How Many Languages Is BHIM Available?

Currently it is available in 20 languages, i.e., English, Hindi, Marathi, Tamil, Telugu, Malayalam, Oriya, Punjabi, Gujarati, Marwari, Haryanvi, Bhojpuri, Urdu, Konkani, Manipuri, Mizo, Khasi, Kannada, Bengali, Assamese.

What Is VPA?

A Virtual Payment Address (VPA) is a unique identifier, which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.

Can I Use BHIM Outside India?

You can use BHIM outside India to send and collect money for your local accounts. Please note that NRI/NRE accounts can be used for the same.

What are the charges for using BHIM?

You are not charged any for transacting on BHIM. Kindly get in touch with your bank to ask for their charges.

Does BHIM run without internet?

Yes. You can dial *99# to avail offline features of BHIM, on any mobile phone.

How can I use BHIM if my bank is not live on UPI?

BHIM is interconnected with every bank through the UPI ecosystem. Hence, you will be able to link your account on BHIM application.

Installation And Registration
Who Can Use BHIM?

Any person who has a smartphone and a bank account can use BHIM to make transactions. However, you will need to have your mobile number registered with the bank and a debit card linked to that account. You can download the BHIM app from Play Store or Appstore.

How does BHIM verify my mobile number and what is the process?

Follow the following steps after you’ve downloaded and installed the BHIM app for the first time:

  1. Select Language
  2. The app will ask for permission to send an SMS to verify your number
  3. Successful attempt will take you to Home page
  4. If the attempt was unsuccessful, you will receive an OTP after 45 seconds
  5. If step 4 is unsuccessful, you will be prompted to dial a USSD code
  6. Once NPCI recognizes your mobile number and handset, your registration will be complete
How do I create my UPI ID?

Upon successful registration, a default ID i.e mobilenumber@upi will be created for you. You can add one more VPA by going in the profile section.

What Is UPI ID?

A UPI ID is a unique identifier, which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.

What if I get device binding failed?

Device binding failure occurs due to the following reasons:

  1. The app is unable to send an SMS to your number
  2. Network connection on your phone is poor
  3. Phone time and actual time is different
  4. Your telecom service provider is unable to send the registration SMS to NPCI
UPI Pin Setting
What Is UPI PIN?

UPI PIN is a four or six-digit number that is set by the customers on BHIM after the registration process. UPI PIN is used for authenticating all transactions done on UPI platform (BHIM or *99# or UPI apps) to ensure secure payments every time you use BHIM UPI to transact.

What happens after registration?

Once you have registered your mobile and it has been verified, you will have to select your bank account and set your UPI pin.

I cannot see my bank in the list. What do I do?

Your bank is not registered with UPI, hence it is not on the list. Our team is working towards getting all banks on UPI.

I can see my bank, but I cannot see my account number. What do I do?

Your bank does not permit your account type to be listed on UPI. Kindly try another account.

How do I set my UPI PIN?

After you select your bank account, you will be prompted to set your UPI pin for the first time. You need to input the last 6 digits of your debit card along with the expiry date. If you are an SBI Maestro card user, you can enter the expiry date as 01/49.

I have already set a PIN on another app with a bank account. Can I use the same PIN on BHIM?

While setting the UPI pin there is a SYNC option at the bottom of the transaction screen. If you click that, the pin you have set on the other app will be set on BHIM.

I am unable to set my UPI PIN. What do I do?

Due to some technical reason, your UPI PIN cannot be set. Kindly click here (page should redirect to Contact Us>>Issue with UPI pin) and provide details.

Sending Money
What methods are available on BHIM for sending money?

BHIM users can send money by using one of the following details of the beneficiary.

  1. VPA (Registered on UPI)
  2. Mobile No. (Registered on UPI)
  3. Account Number and IFS code
While sending money via UPI ID, the account holder name And UPI ID are different. Are they the same person?

When you enter a VPA and click on verify, the account holder’s name (as mentioned in the bank’s system) will be displayed. This is for you to cross check if the sender and the bank account to which you want to send money are the same. In case they appear different, please re-confirm the VPA of the receiver. Money once sent through BHIM cannot be reversed.

Is there a limit to the amount of money that can be sent u sing BHIM?

A user can send up to Rs 40,000 per transaction and a maximum of Rs 40,000 per day for one bank account. This limit is available per bank account linked on BHIM.

How do I switch the default VPA?

The default VPA is mymobileno@upi. You can change this by going to the ‘My profile’ section and selecting from the available VPAs.

How Many VPAs Can Be Added To BHIM?

BHIM allows you to use two VPAs. First one is the default VPA (mobile number@upi). You can create the second one, by going to the ‘My Profile’ page.

I have multiple accounts linked to the same mobile number. Which accounts can I use for sending/receiving money?

The account which you have selected will be displayed on the top left with the bank’s icon. That will be your default bank. You can change the bank account by going to ‘Bank Accounts’ and clicking on the three dots menu option to change the bank.

I have two bank accounts. Using one of them, I have registered on BHIM. How can I send money from this account to the other?

Let’s say you have two accounts i.e ABC and XYZ and both are linked to BHIM. You want to transfer money from ABC to XYZ. Click on Bank Accounts > Send to Self > To Account. Enter the amount you want to send and select the account you want to send the money from, from the ‘From Account’ section. Once you’ve entered your UPI PIN for ABC account. you will be able to transact. *Option available only on the latest version of BHIM.

Can I Save The Beneficiary Details For Later Transactions?

Yes, you can save details of the beneficiary for future transactions. While sending money to a receiver, you have to click on the option ‘Save for Future’.

How can I use the ‘Scan & Pay’ feature for sending money?

Scan & pay option is present in the Home page where you can click and the QR scanner opens up. Using this you can scan the QR code of the receiver and send him money. You can also use scan and pay on your passcode screen. You can also upload a QR code saved on your phone as an image.

How can I generate my QR code?

Once you register on BHIM, a QR code and default VPA is created for you. You can check these details in the ‘My Profile’ section of the BHIM app.

Receiving Money
What is a request?

On BHIM, you can initiate a request, asking money from someone. You have to enter the amount and UPI ID. The user who will receive the request can pay or decline the collect request by authenticating it with their UPI PIN.

How can I check collect requests made to me?

In the ‘transactions’ menu you’ll find a ‘Pending’ section. Under this section collect requests sent to you will be displayed. You can approve or decline these requests.

Is there a limit on the amount of money that can be received using BHIM, per transaction?

Yes. You can only receive Rs. 2000 or less per transaction on BHIM.

Is there any limit to receiving money via BHIM?

No, there is no limit to the amount of money you can receive via BHIM.

What Is the ‘Split Bill’ feature?

Split bill allows you to divide a bill between yourself and other users (BHIM and UPI). Let’s say you and your friends have used a product/service amounting to Rs 1,000. Using split bill feature, you can enter the total amount and that will get automatically split between the users (after entering their VPA). A collect request will be initiated and the payers need to approve the collect transaction.

How can I block unknown money requests?

You can block unknown money requests by confirming that the request is a spam All you have to do is click on spam – next to the request. You can also mark the request sender as spam so that he can no longer send you unwanted requests.

Is there a time frame within which the money request has to be accepted?

Pending transactions can be viewed in the transaction section of BHIM. The requests will be valid for as long as the initiator has kept it. If the request is not accepted within that set time, the request expires.

Help & Support
I tried sending money, but the transaction failed, and my account is debited. What should I do?

The transaction might have failed due to a system error. The money is in the pool account of the remitting bank (your bank). You can use your transaction ID as your reference ID and get in touch with your bank about the same.

To report a failed transaction, click on ‘Report Issue’ on the ‘Transaction’ page. Select ‘Failed Transaction’ and mention the details. The amount should be reversed to you in T+3 days.

In case that does not happen, you can reach out to us here (link should redirect to contact us>>transaction failed).

We apologise for the inconvenience.

I performed a transaction, but it is showing pending. What should I do?

The transaction might have failed due to a system error. The money is in the pool account of the beneficiary bank. You can use your transaction ID as your reference ID and raise a query with your bank.

To report a pending transaction, click on ‘Report Issue’ on the ‘Transaction’ page. Select ‘Failed Transaction’ and mention the details. The amount should be reversed to you in T+3 days.

In case that does not happen, you can reach out to us here (link should redirect to contact us>>transaction pending).

We apologise for the inconvenience.

I sent the money to the wrong receiver. Can I reverse the transaction?

No, a transaction once made cannot be reversed. Please note that NPCI is only acting as a platform for processing the transaction. Money is transferred immediately. That is why we request you to check beneficiary details before transacting. A successful transaction cannot be reversed unless the beneficiary refunds at his own end.

You can try and raise a collect request (for VPA based transactions) and hope that the user will return the same. There is no guarantee that your amount will be reversed.

Who can I contact in case of any issues with the app?

You can reach out to the BHIM Toll Free number 18001201740 for any queries or complaints.

My Beneficiaries
What is ‘My Beneficiaries’?

‘My Beneficiaries’ feature helps you maintain a record and keep a list of people you have sent money to, so far.

How can I save a beneficiary?

When performing a transaction, click on the ‘Save for future’ button to save the contact. You can view the same in your ‘My Beneficiaries’ list.

How do I delete a saved contact from ‘My Beneficiary’?

When you click on any contact in my beneficiary, it gets highlighted with two options i.e. “’Send Money’ and ‘Delete’. Click on delete to remove the beneficiary from the list.

How do I unblock a user?

Click on the three dots on the top right of the ‘My Beneficiary’ page and go to blocked contacts. Click on the contact and select the option to unblock the same.

Additional Features
Payment Reminders:
  1. Add Custom payment reminders as per your convince.
  2. Click on the three dots on home page and click on payment reminders to set customized reminders
  3. Phone bill, electricity bill or EMI – rest assured about not missing a single payment
What is Multi Agent Collection?
  1. Designed for merchants who use agents/delivery staff for delivering goods to collect payments.
  2. Enable yourself as merchant under the ‘I am a Merchant’ tab in the home menu screen.
  3. After declaring yourself as a merchant, a new option on the home screen ‘Merchant’ will be available for use.
  4. Add agents by entering their UPI ID and mobile number.
  5. Generate a QR code for that specific agent and share it with them.
  6. The agent can use that QR code for collecting payments on behalf of the merchant.
  7. When a transaction is successful, the agent and the merchant will be notified via SMS about the same.
  8. Add up to 3 agents and get updated on collections by them.
BHIM Bill Pay
What bills can I pay using BHIM Bill Pay?

Bill payments can be made for the following categories:

Electricity, Gas, DTH, Telecom, Loan EMI, Insurance, Water, NETC FASTag, Cable TV, Education

Why can’t I see the Bill Pay Option with my bank account?

BHIM Bill Pay is only available for banks that are enabled on Bharat Bill Pay. If your bank account is not live, you will not see the option for Bill Pay. Kindly switch to another bank account that is enabled on Bharat Bill Pay.

Will I be charged for bill payments?

No, there will be no charges for bill payment via BHIM Bill Pay.

Can I Check My Bill Details Before Payment?

Yes, you can check the amount before paying the bill. Please note that all billers will not display the amount due for bill payment.

Is UPI PIN Mandatory for bill payments?

Yes. UPI PIN is mandatory for all bill payments. This is as per security standards of BHIM.

What are the steps for bill payment on BHIM?
  1. Click on the Bill Pay section on BHIM
  2. Selects the bill category
  3. Select the biller for which you want to make a payment (the biller will be saved automatically for future payments)
  4. Enter your biller ID (subscriber ID, customer ID, etc)
  5. The next screen will contain the bill details like amount. Not all billers will display the bill amount.
  6. If the bill is not displayed, a confirmation screen will be displayed, else it will not be displayed.
  7. Click on pay and enter your UPI pin to confirm the payment
  8. You will receive a confirmation for the bill payment
Do I Get A Confirmation For Payment Immediately?

Yes. You will get an online confirmation for Bill Payment. Please note you can also check the status of your transaction under the ‘Bill Pay’ of Transaction section of BHIM.

What is the maximum amount allowed for bill payment?

Bill payments are subject to existing limit of BHIM i.e ? 20,000/transaction and Rs 40,000/day per bank account.

During bill payment, my bank account got debited but the bill payment failed. When will I get my money back?

As notified in BHIM, your money will be refunded in three working days.

For any concern related to bill pay transaction who can I contact?

You can contact your bank via the Call Bank option on BHIM. It is available in the ‘Failed Transaction’ section.

Can I save more than one biller for one particular category?

Yes, you can save multiple billers per category. You can also save multiple customer identifiers for same biller.