Android Apps

PM Narendra Modi launches BHIM App in DigiDhan Mela

BHIM App
Written by Axit Mehta

Bharat Interface for Money or BHIM App is an app that lets you make secure and quick payment transactions using UPI. It’s easier than Wallets! You will not have to fill out those tedious bank account details again and again. You can easily make direct bank to bank payments and instantly collect money using just a Mobile number or Payment address.

Let’s start with UPI.

What is UPI?

Unified Payment Interface(UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI), a RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to transfer money between any two parties bank accounts instantly.

Our very own Prime Minister Narendra Modi launched a BHIM Android app today (30/12/2016), concerning Digital India campaign.

National Payment Corporation of India (NPCI) developed The Aadhaar-based payments app. The ‘Made in India’ app is interoperable with other Unified Payment Interface (UPI) applications, and bank accounts.

What is Bharat Interface for Money (BHIM)?

Bharat Interface for Money is an app that lets you make secure and quick payment transactions using UPI. It’s easier than Wallets! You will not have to fill out those tedious bank account details again and again. You can easily make direct bank to bank payments and instantly collect money using just a Mobile number or Payment address.

Do we have to pay anything extra for using BHIM app?

No! There are no charges for making the transaction through Bharat Interface for Money.
Note – Your bank might, however, levy a nominal charge as UPI or IMPS transfer fee which is not under BHIM control. Please check with your bank for more details.

What do you need to start using Bharat Interface for Money?

Bharat Interface for Money app is currently available on Android (Version 8 and above) and iOS mobiles (Version 5 and above).  The government will launch app soon for other OS too.

Do you need to be a customer of the particular bank to use BHIM App?

To enable transfers directly using your bank account, your bank needs to be live on UPI (Unified Payment Interface) platform. All the banks, which are currently live on UPI, have been listed in the Bharat Interface for Money app.

Can you link multiple bank accounts with BHIM App?

Currently, Bharat Interface for Money supports linking of one Bank only. At the time of account set-up, you can link your preferred bank account as the default account. In case you want to connect another bank account, you can go to Main menu, choose Bank Accounts and select your default account. Any money that is transferred to you using your mobile number or payment address will be credited to your default account.

Send and Receive Money through BHIM App

BHIM App

Can you send money to anyone using BHIM App?

Yes, you can send money using the Bharat Interface for Money app from your UPI enabled bank account. You will need to register and set a UPI PIN using the debit card details linked to the bank account. If your beneficiary’s bank account choose to UPI, you can only use their mobile number or Payment Address to transfer. If not, you can use IFSC (Indian Financial System Code) code, Bank account or MMID (Mobile Money Identification Number), Mobile number to send money.

Do money transfers happen on BHIM App only during banking hours?

All payments are instant and 24/7, regardless of your bank’s working hours!

How can you send money via BHIM App?

From the Bharat Interface for Money app Home screen,
1) Click Send Money Option;
2) Enter or select the receiver’s mobile number or Payment Address (you can select from your contact list or enter it) or Aadhaar number
3) Enter the amount you want to send
4) Your default bank a/c gets selected
5) Enter UPI PIN and send
Alternately, you can also scan a QR code and pay via the ‘Scan & Pay’ option.

How can you request money via BHIM App?

From the Bharat Interface for Money app Home screen,
1) Select Request Money
2) Enter or select the receiver’s mobile number or Payment Address (you can select from your contact list or enter it) or Adhaar number
3) Enter the amount you want to request
4) Click Send
This transaction will remain pending until the payment is received. You will be informed when some transfer the money to you. You may also request money by sharing your QR code. Go to Home Screen->Profile->Choose account to get QR code

How will you know if your UPI transaction is successful?

For any operation, you will see a status instantly on your screen. If for some reason the transaction is delayed or pending, the result will be there on your Transaction History page along with a UTR# or bank reference number. Also, you will receive an SMS from your bank.


My UPI Address: axitmehta@upi

BHIM App for Android: CLICK HERE

BHIM App for IOS: [Link will be updated soon]

About the author

Axit Mehta

Axit is a Blogger & Developer. He loves to do experiments on his blogs and the app he develops. He is also the Founder of TechFeeds & TheMobileApp Company. AxitMehta.com is where he writes about various topics like WordPress, Android app reviews, SEO, Hosting provider reviews etc., You can always reach him via mail hello@axitmehta.com

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