Cashless India

Bharat Interface for Money (BHIM)

Bharat Interface for Money (BHIM)

Bharat Interface for Money (BHIM) provides fast, secure, reliable medium to make digital payments through your mobile phone using UPI (Unified Payment Interface) platform via Mobile App and USSD (Unstructured Supplementary Service Data) platform via *99# service.

BHIM was launched by Hon’ble Prime Minister on 30th Dec 2016 and within 10 days, the BHIM app had 1 crore downloads from Andriod Play Store and over 2 million transactions across the UPI (Unified Payment Interface) and USSD (Unstructured Supplementary Service Data) platforms. BHIM is interoperable with other Unified Payment Interface (UPI) applications, and bank accounts. BHIM is developed by the National Payment Corporation of India (NPCI), a not-for-profit company for providing retail payment systems in the country under guidance from Reserve Bank of India.

BHIM has been designed for quick and secure user on-boarding, sports a best-in-class and intuitive user interface and makes digital transactions seamless. BHIM has been a huge boon for merchants who can now accept payments directly into their bank accounts. All users, including merchants, get a ready to use VPA (virtual payment address) and an exclusive, ready-to-print QR code upon sign-up.

Users on Android with internet can install BHIM via Play Store ( BHIM requires permission to your Phone Calls & SMS to verify your phone number.

Users without access to internet/data services, can experience BHIM by dialling *99# on their phones.

How does it work?

After downloading the app, give necessary permission and verify mobile number linked with bank account. Register your bank account with BHIM, and set a UPI PIN for the bank account using last 6 digits of your debit card and expiry date. Your mobile number is your payment address (PA), and you can simply start transacting. Yes! It is that simple.

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.

Custom Payment Address: You can create a custom payment address in addition to your phone number.

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. The limit for USSD has currently been set at ₹5,000 per day.

Transaction Charges: NIL changes from BHIM app or background infra. Bank transaction changes on UPI & USSD:

Upto 31.03.2017:

For transaction upto ₹1000 : NIL charges

For transaction upto ₹1000 : NEFT charges + services tax

Outward NEFT Charges

- For transactions up to Rs 10,000 : not exceeding Rs 2.50 (+ Service Tax)

Language supported: Hindi and English. More languages coming soon!


“The main purpose of BHIM App is to provide uniform experience of UPI and also to support those banks who have not developed any UPI app for their customers as yet”, says NPCI MD & CEO.


1. 1 digital payment app for all bank accounts.

2. Money remains in your bank account, so you earn interest.

3. No charges from using BHIM app infra, minimal UPI charges from banks for making transactions.

4. Simple, secure and light.

5. BHIM framework *99# works without internet.

6. Transaction from ₹ 1/- to ₹ 10,000/-

7. Daily transaction limit of ₹ 20,000/-

For more information: visit