BHIM App: Download, Features and How To Use

India moved a step closer towards becoming a cashless economy with the launch of Unified Payment Interface (UPI). With this new payment method, your smart mobile phones will soon double up as virtual debit cards and you’ll be able to send or receive money instantly. For a number of years, we have been saying we need a revolution or we can say in short change in banking in India. I think we can confidently say the revolution is upon us. What we have in India is the most sophisticated public payments infrastructure in the world. BHIM (Bharat Interface Of Money) is the best example of Mobile Banking.

What IS BHIM UPI App??

BHIM (Bharat Interface for Money) is the fast growing and simplest way to make payments and fund transfers/exchange. It has the following basic features of a UPI app and ha many specified features than any other app. BHIM is a Unified Payment Interface (UPI) can be thought of like an email ID for your money. It will be an unique identifier that your bank uses to transfer money and make payments using the IMPS (Immediate Payments Service). IMPS is faster than NEFT and lets you transfer money immediately and unlike NEFT, it works 24×7hours. This means that the online payments will become much easiest way without requiring a digital wallet or credit or debit card.

How does it UPI Works??

Currently, if you want to make a bank payment online, you have to enter their account number, account type, Bank name and IFSC code. Even if you have all these details, typing it all in, particularly on a phone, is a painful process. Most of the banks take upto 12 hours to add a new payee and only then you can make the transfer or exchange.

The thought behind the UPI is to do away with all of this. The interface will allow account holders across banks to send and receive money from their smart mobile phones using just their Aadhaar (UI) unique identity number, mobile number or virtual payments address without entering bank account details.

According to NPCI, so far only 29 banks have agreed to initiate this service. If your bank is UPI-enabled, you can ask it to connect you to the system. To start a transaction, you can use two types of address global or local. Global address includes your mobile, Aadhaar and bank account numbers. A local address can be a virtual address. Let’s say your bank gives you a virtual ID similar to your email ID (for example, name@companyname). This virtual address will allow you to send and receive money from multiple banks and prepaid payment issuers.

So, you will no longer need to use a particular app to send and receive money. For example, if you use a taxi service, at the end of the journey you just have to give your virtual address and the driver will request money from it. You will get a message on your mobile phone asking for authentication. Once you authenticate the transaction by entering your password, it will be complete. This process doesn’t require either the driver or you to share bank details. Since UPI runs on IMPS, the service will be available real time and 24X7.

How Is Behind this??

Unified Payment Interface is an initiative by National Payments Corporation of India’s (NPCI), set up with the support of the Reserve Bank of India and Indian Banks Association (IBA). The NCPI operates the Rupay payments infrastructure that – like Visa and MasterCard – allows different banks to interconnect and transfer funds. IMPS (Immediate Payments Service) is also an initiative of NCPI. UPI is the advanced version of IMPS.

How Does BHIM Works

Register your bank account with BHIM, and set a UPI PIN for the bank account. Your mobile number is your payment address (PA), and you can simply start transacting. Yes! It is that simple.

Features of BHIM APP:

  • Send / Receive Money: Send money to or receive money from friends, family and customers through a mobile number or payment address. Money can also be sent to non UPI supported banks using IFSC and MMID. You can also collect money by sending a request and reverse payments if required.
  • Check Balance: You can check your bank balance and transactions details on the go.
  • Scan QR Code: You can scan a QR code for faster entry of payment addresses. Merchants can easily print their QR Code for display.
  • Transaction Limits: Maximum of Rs. 10,000 per transaction and Rs. 20,000 within 24 hours.
  • Language supported: Hindi and English. More languages coming soon.
  • BHIM requires permission to your Phone Calls & SMS to verify your phone number.
  • This app would also work on feature phone without internet.
  • There is ‘Scan and Pay’ facility. It makes the payment transfer fast, specially at a shop.
  • The BHIM app gives you a link to directly call the respective bank if there is an issue. In fact, it has saved the customer care number of all the banks.
  • You can easily download and share your QR code. This code can be used to pay to you.
  • BHIM app is much secured as compared to another app.
  • Within no time you can make payment anytime and from anywhere.

How To Download and Set Up BHIM App:


Setting up BHIM on your mobile device takes just a matter of seconds.

  • Just download BHIM from Google Play Store, choose a language and click Next button few times.
  • The app will then ask your permission to send an SMS to verify if your phone number is registered with your bank account.
  • The app automatically takes a few seconds to verify your phone number through your phone's unique IMEI number by sending a message to its servers.
  • Once verified, BHIM app asks for a four-digit PIN which is required to log into the app and authorize transactions.
  • NOTE –

    Don't get confused, as this 4-digit PIN is not your UPI PIN, it's just a password to lock the BHIM app.

    • The BHIM app will now show you the list of banks. You just need to select your bank, and rest the app will automatically fetch all the details of your bank account by using your phone number.
    • The app quickly detected my HDFC Bank in a matter of seconds. Simply click on your account number to link your bank account to Bhim UPI Payments app.
    • NOTE – Currently, BHIM supports linking of one Bank at the time only. In case you want to link another bank account, you can go to Main menu, choose Bank Accounts and select your default account.
    • Once you've finished setting up, you're ready to start accepting and making payments using the UPI Payments interface.

    How to Set/Reset UPI PIN in BHIM App

    • UPI-PIN is a 4-6 digit secret code that would be required for authorizing transactions.
    • If you've already set up a UPI-PIN with other UPI apps, you can use the same PIN for BHIM app, or RESET UPI PIN by providing your 6-digit card number and card expiration date or Change UPI PIN by providing existing PIN and confirming new PIN twice.
    • NOTE – Please don't share your UPI-PIN with anyone. BHIM does not store or read your UPI-PIN details, and your bank’s customer support will never ask for it

    How to Send and Receive Payments using BHIM App

    On the home screen, the app has three options. Send money, request money and scan and pay.

    To Send money:

    Click on the SEND icon.

    Enter payee's mobile number or the Virtual Payment Address (VPA). (Click three dot menu in right top corner, if you want to send money directly to a bank account using IFSC code) Enter the amount and remarks to send money. Finally, enter the UPI-PIN and continue, That's It.

    To Receive Money:

    Click on the RECEIVE icon.

    Enter payee's mobile number or the Virtual Payment Address of the person from whom you want the money. Enter the amount and remarks and submit. The payer would get a notification, and he/she can accept or reject the payment. For the security of its users, BHIM automatically logs out users if the app is closed or hasn't been used for a while.

    BHIM App Supported Banks:

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