BHIM (Bharat Interface for Money) @ NPCI
Simple. Secure. Superfast.
A direct initiative to enable fast, reliable, cashless payments through your mobile phone.
Website • Play Store • App Store
Scale & Impact
Following are key facts about the solution we operate:
Instant Money Transfer: Real-time money transfer app built on the Unified Payments Interface (UPI).
24x7 Availability: Operates round the clock for seamless transactions.
Interoperability: Send and request money using just a Mobile Number, UPI ID, or QR code.
Wide Accessibility: Available in multiple regional languages for diverse user bases.
Security: Designed for simple and secure transactions on the go.
Features Stack at BHIM
Feature
Description
Unified Transaction Interface
Powers instant money transfers to friends, relatives, retailers, or merchants.
UPI AUTOPAY
Framework to set recurring payments (subscriptions, bills) on BHIM UPI apps.
IPO on UPI
Facilitates subscriptions to Initial Public Offerings using the UPI framework.
OD/CC on UPI
Support for Overdraft and Credit Card linkage on UPI.
*Offline Payments (99#)
Enables USSD-based transactions without internet connectivity.
Bill Payments
Integrated platform for paying utility bills and other expenses.
Get Started
BHIM powers India's digital payment ecosystem by allowing users to make cashless payments directly through their mobile phones.
Eligibility
Anyone with a valid Bank Account.
A Registered Mobile Number linked to the account.
A valid Debit Card.
How to Join
Download the BHIM App from the Play Store or App Store.
Verify your mobile number.
Link your bank account and set your UPI PIN.
Products & Services
Send & Request Money (via Mobile No / UPI ID / QR)
Scan & Pay
UPI Circle
UPI Lite (For small value offline transactions)
About BHIM
BHIM (Bharat Interface for Money) is an app that lets you make simple, easy, and quick transactions using the Unified Payments Interface (UPI). It is a direct initiative by NPCI to drive financial inclusion and make India a digitally empowered society.