BHIM App: A Step Towards Digital Economy, A Tribute To National Leader

          Launched on Friday, BHIM (Bharat Interface for Money) is a highly secure mobile application that enables fast, secure, reliable cashless payments with your mobile phone as the primary device. Developed by the National Payment Corporation of India (NPCI), BHIM uses virtual payment addresses for the transactions. It is named after the surname of Dr.Bhim Rao Ramji Ambedkar.

The Android app is available on the Google Play Store and is downloadable here.

How does BHIM work?

You first need to register your bank account with BHIM, and set a Unified Payments Interface (UPI) PIN for the bank account. Your mobile number is your payment address (PA). Once setting the UPI PIN, you can start transacting! NPCI built UPI on the Immediate Payment Service (IMPS) platform which allows considerable speed for the transactions.

Now, you can send money to or receive money from friends, family, and customers through a mobile number or payment address corresponding to bank accounts belonging to one of the 32 UPI supported banks. Nevertheless, money can also be sent to non-UPI supported banks using IFSC and MMID.

A lot more!

Check Balance: You can check the bank balance and transaction details on the go.

Custom Payment Address: The user can create a custom payment address, in addition to their phone number. So it can be <mobile number@upi> or <custom user id@upi>

QR Code: You can scan/generate a QR code for faster entry of payment addresses and faster transaction speed. Merchants can easily print their QR Code for display, which other users can scan and transact through the app.

Transaction Limit: In a 24-hour cycle, a maximum transaction of Rs. 20,000 is allowed with a maximum of Rs.10,000 per transaction.

Languages: Currently, BHIM understands only English and Hindi. The NPCI says that more regional languages will be added soon.


BHIM allows transfer of money to a bank account without the need of entering all the account details. This eliminates the irksome task of typing long account numbers, among other details.

Furthermore, the app involves bank-to-bank transfer which makes it rather secure and faster as opposed to merchant-to-merchant tie up.

Also, while there would be no transaction charges through BHIM, your bank may levy a nominal charge as UPI or IMPS transfer fee, which might be announced soon.

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