BHIM UPI

Government-backed unified payment interface for instant digital payments across banks and payment apps in India

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Details

Category
Finance
Pricing
Free

About

BHIM UPI App is an initiative by NPCI to enable secure and instant money transfer through your mobile phone. BHIM is interoperable with other UPI apps and bank accounts.

Key Features

  • Indian alternative to PhonePe
  • Financial management
  • Secure transactions
  • Instant bank-to-bank transfers via UPI ID, mobile number, or Account + IFSC
  • Quick 'Scan & Pay' using static and dynamic QR codes
  • UPI Circle for delegated payments with full or partial authorization
  • Digital Munim (Spend Analytics) for automatic expense categorization and tracking
  • UPI Lite for PIN-less small-value transactions up to ₹500
  • Family Mode to onboard members and monitor shared household finances
  • RuPay Credit Card linking for direct UPI payments from credit lines
  • Split Bill feature to divide and request shared expenses from groups
  • Biometric security using fingerprint or face recognition for approvals
  • Multilingual support in over 20 regional Indian languages
  • Offline functionality via USSD by dialing *99# on any mobile device
  • UPI Mandates for pre-authorizing and scheduling future payments
  • Direct IPO application and payment tracking within the app
  • In-app Gift Card purchases from major consumer brands

Available On

Web iOS Android

BHIM UPI is an Indian alternative to

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