Bharat Interface for Money (BHIM)
The Bharat Interface for Money (BHIM) was rolled out by Prime Minister Narendra Modi
on 30th December 2016, in an initiative to enable fast, secure and reliable cashless
payments through mobile phones.
BHIM is inter-operable with other Unified Payment Interface (UPI) applications and bank
accounts, and has been developed by the National Payments Corporation of India
(NPCI).
The Android app is already available on the Google Play Store. As it is Aadhaarenabled,
the app puts an end to the fuss around other e-wallets. Moreover, an iOS
version will be launched soon. One must get their bank accounts registered along with a
UPI Pin for their account.
On the BHIM app, it would be or . This
user id would be your primary address, which can be used to send or request money
through other ids linked to it.
The BHIM App supports about 35 banks.
Bharat Interface for Money (BHIM) is an app that lets you make simple, easy and quick payment
transactions. BHIM is a digital payments solution app based on the Unified Payments Interface (UPI) from
the National Payments Corporation of India (NPCI), the umbrella organisation for all retail payments
systems in India. You can easily make direct bank to bank payments instantly and collect money using just
Mobile number or Payment address.
BHIM being UPI-based, is linked directly to a bank account. All the payee needs is a bank account. If this
account is UPI activated, you can just ask for the payee’s Virtual Payment Address (VPA), and make the
payment to that account.Otherwise, there’s the option of IFSC or MMID for sending or receiving money. The
advantage is there’s no need to remember an account number, or to share it with anyone. The VPA is all
that is needed.
If you have signed up for UPI-based payments on your bank account, which is also linked to your mobile
phone number, you’ll be able to use the BHIM app to carry out digital transactions. Services available are as
follows:
The following are the features of BHIM:
1. Send Money: User can send money using a Virtual Payment Address (VPA), Account Number &
IFSC, Aadhaar Number or QR code.
2. Request Money: User can collect money by entering Virtual Payment Address (VPA). 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)
3. Scan & Pay: User can pay by scanning the QR code through Scan & Pay & generate your QR
option is also present.
4. Transactions: User can check transaction history and also pending UPI collect requests (if any)
and approve or reject. User can also raise complaint for the declined transactions by clicking on
Report issue in transactions.
5. Profile: User can view the static QR code and Payment addresses created or also share the QR
code through various messenger applications like WhatsApp, Email etc. available on phone and
download the QR code.
6. Bank Account: User can see the bank account linked with his/her BHIM App and set/change the
UPI PIN. User can also change the bank account linked with BHIM App by clicking Change
account provided in Menu and can also check Balance of his/her linked Bank Account by clicking
“REQUEST BALANCE”
7. Language: Up to 8 regional languages (Tamil, Telugu, Bengali, Malayalam, Oriya, Gujarati,
Kannada ,Hindi) available on BHIM to improve user experience.
8. Block User: Block/Spam users who are sending you collect requests from illicit sources.
9. Privacy: Allow a user to disable and enable mobilenumber@upi in the profile if a secondary VPA is
created (QR for the disabled VPA is also disabled).
Unique features of BHIM:
QR code based scan & pay option available, Generate your own QR code option is also
available
Option to save your beneficiaries for future references
Access transaction history and Request Balance anytime
Create, reset or change UPI PIN
Report Issue and call Bank facilities are given to lodge complaints
FAQ section is created in the app to answer all the queries reg. BHIM
Available in 2 languages English and Hindi
Benefits of BHIM:
Single App for sending and receiving money and making merchant payments
Go cashless anywhere anytime
Added security of Single click 2 factor authentication
Seamless money collection through single identifiers, reduced risks, real time
Mobile no. or Name used to create VIRTUAL PAYMENT ADDRESS (VPA)
Best answer to Cash on Delivery hassle
Send and collect using VIRTUAL PAYMENT ADDRESS (VPA) or A/c no & IFSC.
Payments through single app in your favourite language.
24X7, 365 days instantaneous money transfer
Transfer Limits:
Maximum limit per transaction is Rs. 10,000 per transaction
Maximum limit per day is Rs. 20,000
There is limit of 20 transactions per account per bank.
Charges for using BHIM:
For Smart Phones with Internet option BHIM can be executed via the app (available in Play store and
coming soon for iPhone app store), whereas for feature phones, BHIM can be executed via phone dialler
using *99# option.
The charges for BHIM is one time hard binding SMS charges depending on the mobile operator (Standard
SMS charges of your operator).For *99# the charges are Rs.0.50/- for one transaction.
HOW TO USE BHIM APP:
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 (Optional): Create another virtual payment address (VPA) in the profile section. Automatically
mobilenumber@upi will be your default virtual payment address (VPA) (eg. 9876543210@upi)
Note: 2 virtual payment address (VPA)s are allowed per user 1. mobilenumber@upi and 2. name@upi)
Step 8: Set one virtual payment address (VPA) as a primary (default) virtual payment address (VPA) (Eg.
name@upi can be primary virtual payment address (VPA) making it easy to share with others).
Step 9: Click on send and enter the virtual payment address (VPA)/Account number+ IFSC/Aadhaar
number and Scan or Pay option of the person to whom you want to send money.
Step 10: Enter the UPI Pin you set earlier to authenticate the transaction.
Step 11: Check transaction history to see the status of the transaction.
Customer Referral Scheme –
The scheme is intended to incentivize an existing user of BHIM to bring new users on the BHIM platform
and encourage the new user to do transaction using BHIM with other users or by referring new users on
BHIM. Hence, the bonus will be paid to both the referrer and the new user of BHIM (referee) and the
referral will be considered successful only after 3 successful financial transactions (to any valid UPI user –
“valid receiver”) performed by the referee.
The Scheme construct as -
1. An existing BHIM user (Referrer) to refer BHIM application to new user (Referee)
2. New BHIM user (Referee) initiates access to BHIM app or by dialing *99# from his/her mobile
number registered with bank and complete on-boarding process on BHIM i.e. downloading,
registering and fetching the bank account
3. New BHIM user (Referee) completes his/her first eligible financial transaction with any unique
user
To establish the referral relationship between referrer and referee –
1. Referee needs to enter the referral code (mobile number) of the referrer at the time doing the
first financial transaction with any unique user (to any valid UPI user including BHIM)
2. The referral code field (as an option) will appear on the transaction page and will be visible only
to the new BHIM user (referee) at the time of their first financial transaction process
3. In case of *99#, the referee will choose the option of entering the referral code (as an option) at
the time of on-boarding
4. System shall validate that if the referrer mobile number is valid BHIM registered
5. On completion of minimum 3 unique successful transactions totaling to Rs. 50 to any 3 unique
users (either P2P or P2M), the referrer and the referee will be notified about the bonus amount
via notification in BHIM app. In this the referrer and referee has to be on BHIM user, however
he can perform financial transaction with any valid UPI user / merchant.
6. The bonus will be credited to the bank accounts of the referrer and the referee after meeting
the eligibility criteria (as stated below)
Merchant Incentive Scheme –
1. Merchant can download and install the BHIM App or *99# in his phone and will have an option
to self-declare himself/herself as merchant by clicking on “I Am A Merchant’ tab in BHIM App.
2. Once the user clicks on the “I AM A MERCHANT” tab, he/she has to fill in appropriate details
asked by the BHIM App - business name, contact number (auto populated), merchant category
(drop-down), merchant address, city, pin-code, account type
3. The scheme applies to all merchants who receive payments on BHIM App or *99#
4. Reward section in BHIM app would display the cashback received to the merchant.
5. Merchant can use any mode available on BHIM [QR Code, VPA, Mobile number, or Aadhaar
number] to collect the payments from their customers. Both push and pull based payments
shall qualify for this payments.
6. On achieving the cashback incentive slab as defined for the merchants, NPCI initiates the
cashback process using NACH platform and the merchant is notified of the cashback via
notification in BHIM ap
The Bharat Interface for Money (BHIM) was rolled out by Prime Minister Narendra Modi
on 30th December 2016, in an initiative to enable fast, secure and reliable cashless
payments through mobile phones.
BHIM is inter-operable with other Unified Payment Interface (UPI) applications and bank
accounts, and has been developed by the National Payments Corporation of India
(NPCI).
The Android app is already available on the Google Play Store. As it is Aadhaarenabled,
the app puts an end to the fuss around other e-wallets. Moreover, an iOS
version will be launched soon. One must get their bank accounts registered along with a
UPI Pin for their account.
On the BHIM app, it would be
user id would be your primary address, which can be used to send or request money
through other ids linked to it.
The BHIM App supports about 35 banks.
Bharat Interface for Money (BHIM) is an app that lets you make simple, easy and quick payment
transactions. BHIM is a digital payments solution app based on the Unified Payments Interface (UPI) from
the National Payments Corporation of India (NPCI), the umbrella organisation for all retail payments
systems in India. You can easily make direct bank to bank payments instantly and collect money using just
Mobile number or Payment address.
BHIM being UPI-based, is linked directly to a bank account. All the payee needs is a bank account. If this
account is UPI activated, you can just ask for the payee’s Virtual Payment Address (VPA), and make the
payment to that account.Otherwise, there’s the option of IFSC or MMID for sending or receiving money. The
advantage is there’s no need to remember an account number, or to share it with anyone. The VPA is all
that is needed.
If you have signed up for UPI-based payments on your bank account, which is also linked to your mobile
phone number, you’ll be able to use the BHIM app to carry out digital transactions. Services available are as
follows:
The following are the features of BHIM:
1. Send Money: User can send money using a Virtual Payment Address (VPA), Account Number &
IFSC, Aadhaar Number or QR code.
2. Request Money: User can collect money by entering Virtual Payment Address (VPA). 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)
3. Scan & Pay: User can pay by scanning the QR code through Scan & Pay & generate your QR
option is also present.
4. Transactions: User can check transaction history and also pending UPI collect requests (if any)
and approve or reject. User can also raise complaint for the declined transactions by clicking on
Report issue in transactions.
5. Profile: User can view the static QR code and Payment addresses created or also share the QR
code through various messenger applications like WhatsApp, Email etc. available on phone and
download the QR code.
6. Bank Account: User can see the bank account linked with his/her BHIM App and set/change the
UPI PIN. User can also change the bank account linked with BHIM App by clicking Change
account provided in Menu and can also check Balance of his/her linked Bank Account by clicking
“REQUEST BALANCE”
7. Language: Up to 8 regional languages (Tamil, Telugu, Bengali, Malayalam, Oriya, Gujarati,
Kannada ,Hindi) available on BHIM to improve user experience.
8. Block User: Block/Spam users who are sending you collect requests from illicit sources.
9. Privacy: Allow a user to disable and enable mobilenumber@upi in the profile if a secondary VPA is
created (QR for the disabled VPA is also disabled).
Unique features of BHIM:
QR code based scan & pay option available, Generate your own QR code option is also
available
Option to save your beneficiaries for future references
Access transaction history and Request Balance anytime
Create, reset or change UPI PIN
Report Issue and call Bank facilities are given to lodge complaints
FAQ section is created in the app to answer all the queries reg. BHIM
Available in 2 languages English and Hindi
Benefits of BHIM:
Single App for sending and receiving money and making merchant payments
Go cashless anywhere anytime
Added security of Single click 2 factor authentication
Seamless money collection through single identifiers, reduced risks, real time
Mobile no. or Name used to create VIRTUAL PAYMENT ADDRESS (VPA)
Best answer to Cash on Delivery hassle
Send and collect using VIRTUAL PAYMENT ADDRESS (VPA) or A/c no & IFSC.
Payments through single app in your favourite language.
24X7, 365 days instantaneous money transfer
Transfer Limits:
Maximum limit per transaction is Rs. 10,000 per transaction
Maximum limit per day is Rs. 20,000
There is limit of 20 transactions per account per bank.
Charges for using BHIM:
For Smart Phones with Internet option BHIM can be executed via the app (available in Play store and
coming soon for iPhone app store), whereas for feature phones, BHIM can be executed via phone dialler
using *99# option.
The charges for BHIM is one time hard binding SMS charges depending on the mobile operator (Standard
SMS charges of your operator).For *99# the charges are Rs.0.50/- for one transaction.
HOW TO USE BHIM APP:
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 (Optional): Create another virtual payment address (VPA) in the profile section. Automatically
mobilenumber@upi will be your default virtual payment address (VPA) (eg. 9876543210@upi)
Note: 2 virtual payment address (VPA)s are allowed per user 1. mobilenumber@upi and 2. name@upi)
Step 8: Set one virtual payment address (VPA) as a primary (default) virtual payment address (VPA) (Eg.
name@upi can be primary virtual payment address (VPA) making it easy to share with others).
Step 9: Click on send and enter the virtual payment address (VPA)/Account number+ IFSC/Aadhaar
number and Scan or Pay option of the person to whom you want to send money.
Step 10: Enter the UPI Pin you set earlier to authenticate the transaction.
Step 11: Check transaction history to see the status of the transaction.
Customer Referral Scheme –
The scheme is intended to incentivize an existing user of BHIM to bring new users on the BHIM platform
and encourage the new user to do transaction using BHIM with other users or by referring new users on
BHIM. Hence, the bonus will be paid to both the referrer and the new user of BHIM (referee) and the
referral will be considered successful only after 3 successful financial transactions (to any valid UPI user –
“valid receiver”) performed by the referee.
The Scheme construct as -
1. An existing BHIM user (Referrer) to refer BHIM application to new user (Referee)
2. New BHIM user (Referee) initiates access to BHIM app or by dialing *99# from his/her mobile
number registered with bank and complete on-boarding process on BHIM i.e. downloading,
registering and fetching the bank account
3. New BHIM user (Referee) completes his/her first eligible financial transaction with any unique
user
To establish the referral relationship between referrer and referee –
1. Referee needs to enter the referral code (mobile number) of the referrer at the time doing the
first financial transaction with any unique user (to any valid UPI user including BHIM)
2. The referral code field (as an option) will appear on the transaction page and will be visible only
to the new BHIM user (referee) at the time of their first financial transaction process
3. In case of *99#, the referee will choose the option of entering the referral code (as an option) at
the time of on-boarding
4. System shall validate that if the referrer mobile number is valid BHIM registered
5. On completion of minimum 3 unique successful transactions totaling to Rs. 50 to any 3 unique
users (either P2P or P2M), the referrer and the referee will be notified about the bonus amount
via notification in BHIM app. In this the referrer and referee has to be on BHIM user, however
he can perform financial transaction with any valid UPI user / merchant.
6. The bonus will be credited to the bank accounts of the referrer and the referee after meeting
the eligibility criteria (as stated below)
Merchant Incentive Scheme –
1. Merchant can download and install the BHIM App or *99# in his phone and will have an option
to self-declare himself/herself as merchant by clicking on “I Am A Merchant’ tab in BHIM App.
2. Once the user clicks on the “I AM A MERCHANT” tab, he/she has to fill in appropriate details
asked by the BHIM App - business name, contact number (auto populated), merchant category
(drop-down), merchant address, city, pin-code, account type
3. The scheme applies to all merchants who receive payments on BHIM App or *99#
4. Reward section in BHIM app would display the cashback received to the merchant.
5. Merchant can use any mode available on BHIM [QR Code, VPA, Mobile number, or Aadhaar
number] to collect the payments from their customers. Both push and pull based payments
shall qualify for this payments.
6. On achieving the cashback incentive slab as defined for the merchants, NPCI initiates the
cashback process using NACH platform and the merchant is notified of the cashback via
notification in BHIM ap
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