What is BHIM App - How it Helps for Cashless Payments through Mobile Phone

Sat, December 31, 2016 / Lakshmi D What is BHIM App - How it Helps for Cashless Payments through Mobile Phone

Soon after ending the 50 days deadline of the demonetization of old currency notes, PM Narendra Modi has announced launching of BHIM App that can be used by all the Citizens to make cashless payments through digital mediums. Since few days the government has been holding “Digi Dhan Mela” campaigns in different cities to promote cashless transactions and today in Delhi at the Digi Dhan Mela camp PM launched BHIM (Bharat interface for Money) App officially. 

BHIM App named after Dr. Bhim Rao Ambedkar is developed by National Payments Corporation of India (NPCI) is inter-operable with Unified Payment Interface (UPI) applications and bank accounts. It enables the users to make all forms of payments without cash by using various digital modes, including debit/credit cards, unstructured supplementary service data (USSD) and Aadhaar-enabled payment system (AEPS). 


BHIM allows you to make payments using your mobile phone as the primary device for all transactions, over the creation of a “Virtual Payment Address”, which is going to be an alias for your bank account. So in BHIM app, it would appear as <mobile number@upi> or <preferred user id@upi>. This user id will be your primary address, that can be used to send or rrequest money to receive through other ids (persons) linked to it. 

BHIM app comes with a simple interface and is built for easy to use. The app’s size is about 2MB. On starting the app download, you will be asked to give a permission to send an SMS and get   registered your phone number. Once registered, you would be asked to set a 4-digit passcode, then choose corresponding bank. 

how to use bhim app

BHIM APP Features: 

  • Strong security features as transactions can be made using one's fingerprint. 
  • Empower the poor, farmers and others. Incentives are restricted to the transactions that made within the range of Rs. 50 to Rs. 3,000 to encourage especially the poor to adopt digital modes of payment. 
  • Payments can be done at anytime in 24 hours, 7  days of week and 365 days. 
  • Transfer as low as Rs. 1 to high as Rs. 20,000 in 24 hours of time. However maximum limit per transaction is Rs. 10,000. 
  • Enable you to send or receive money from your phones just by linking your bank accounts and getting UPI PIN.  
  • Can be used for two or more different banks. 
  • Can also send money to non UPI supported banks by using IFSC and MMID. 
  • QR code is available for faster payment addresses that can be scanned by other users for payments.  
  • Does not require Internet and works in feature phones as well by dialing *99#. 
  • Can check your balance and other transactions details on the go.
  • Aadhaar based app is going to be released soon in two weeks. 

BHIM app for android is already available in Google Play Store, can be downloadable at the link below:


BHIM for iOS and windows will be released soon. 

Currently, BHIM supports only one bank. While setting up your account you can link a preferred bank account as default account. If you want to link another bank account, you have to go back to Main menu and choose Bank Accounts. But any money that is going to be transferred to you using your mobile number or payment address would be credited into your default account.

select account for BHIM app

Banks that are supported by BHIM App for make digital payments.

Allahabad Bank; Andhra Bank; Axis Bank; Bank of Baroda; Bank of India; Bank of Maharashtra; Canara Bank; Federal Bank; HDFC Bank; ICICI Bank; IDBI Bank; IDFC BankCatholic Syrian Bank; Central Bank of India; DCB Bank; Dena Bank; Indian Bank; Indian Overseas Bank; IndusInd Bank; Karnataka Bank; Karur Vysya Bank; Kotak Mahindra Bank; South Indian Bank; Standard Chartered Bank; State Bank of India; Syndicate Bank; Oriental Bank of Commerce; Punjab National Bank; RBL Bank; Union Bank of India; United Bank of India; Vijaya Bank. 

Good news is that Reload will soon enables all the payments or transactions that made through BHIM app.