Bharat Interface for Money (BHIM) is an initiative to enable fast, secure, reliable cashless payments through your mobile phone. BHIM is interoperable with other Unified Payment Interface (UPI) applications, and bank accounts. BHIM is developed by the National Payment Corporation of India (NPCI). BHIM is made in India and dedicated to the service of the nation.
How does it work?
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.
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.
Language supported: Hindi and English. More languages coming soon!
For more information: visit https://upi.npci.org.in/static/faq/en_US/
How does it work?
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.
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.
Language supported: Hindi and English. More languages coming soon!
For more information: visit https://upi.npci.org.in/static/faq/en_US/
Employees: 11-50
Mentions in press and media 16
| Date | Title | Description |
| 24.06.2026 | Meta Revamps WhatsApp Leadership, Fuels Indian Fintech Growth | Meta appointed Kunal Shah, Cred's founder, as WhatsApp's global head. This move follows a $900 million investment in Shah's Indian fintech startup, valuing Cred at $4.5 billion. Will Cathcart, the former WhatsApp head, transitions to Meta's... |
| 22.06.2026 | Kunal Shah to lead WhatsApp as Meta takes a bite of Cred | Meta Platforms Inc. has named fintech entrepreneur Kunal Shah as the new global head of WhatsApp, pulling off an unusual executive crossover as part of a $900 million investment in his financial services startup Cred. Shah, who has previous... |
| 22.06.2026 | Meta gets Kunal Shah to lead WhatsApp globally, but what's next for Cred? | Cred founder Kunal Shah on Monday stepped down as CEO of the fintech startup to take over as the global head of WhatsApp, marking a major leadership transition for the company as it also secures a ₹8,550 crore (approximately $900 million) i... |
| 23.04.2025 | NPCI’s BHIM app goes live on UPI Circle feature | - |
| 26.03.2025 | Navigating New Financial Waters: RBI's Revised Lending Guidelines and the Payments Industry's Call for Change | In a world where financial landscapes shift like sand dunes, the Reserve Bank of India (RBI) has made waves with its revised priority sector lending (PSL) guidelines. These changes, effective from April 1, 2025, aim to bolster housing and e... |
| 24.03.2025 | Payments industry proposes introduction of MDR for RuPay debit cards for all merchants | The financial incentive of ₹1,500 crore to offset some of the payment ecosystem’s operational costs covers only a fraction of the estimated ₹10,000 crore annual cost required to maintain and expand UPI services, according to the Payments Co... |
| 20.03.2025 | Government Approves INR 1,500 Cr Incentive Scheme to Boost Small Merchant UPI Transactions This initiative aims to drive digital adoption and strengthen the country's cashless economy. | The Indian government has approved an INR 1,500 crore incentive scheme for the financial year 2024-25 to encourage low-value BHIM-UPI transactions among small merchants. This initiative aims to drive digital adoption and strengthen the coun... |
| 28.12.2024 | The UPI Landscape: A New Era of Digital Payments in India | The digital payment revolution in India is gaining momentum. The Reserve Bank of India (RBI) has taken a bold step. It now allows prepaid payment instrument (PPI) holders to make and receive Unified Payments Interface (UPI) payments through... |
| 27.12.2024 | Banks, fintechs push NPCI for imposing 30% UPI market share cap | Large banks and fintechs are pushing the National Payments Corporation of India (NPCI) to impose a 30 per cent cap on the market share of each payment player offering Unified Payments Interface (UPI) services by the end of 2024, people awar... |
| 16.10.2024 | Scan, pay, repeat: Behavioural shift on payment modes drives UPI transactions of over ₹617 trillion in past 102 months | There has been a behavioural shift among Indians regarding payment systems. People, who depended on cash transactions earlier, now prefer to scan a QR code or enter a UPI (Unified Payments Interface) id to make payments on their mobile phon... |
Show more