BHIM App – Setup, Send/Receive Money, Scan & Pay, Reset PIN

How to Download and Register for BHIM UPI App

Find below the simple steps to download and register for BHIM UPI App:

Step 1: Download and Install BHIM app from Google Play Store/ Apple App Store

Step 2: Select your preferred language from 20 languages spread across the nation

Step 3: Select the SIM card with the registered mobile number with the respective bank

Step 4: Set the application passcode required

Step 5: Link your bank account using the Bank Account option

Step 6: Set your UPI PIN by entering last 6 digits of debit card and its expiry date

Step 7: Click on send and enter UPI ID

Step 8: Enter the UPI PIN that you set previously to authenticate the transaction

Step 9: Check ‘Transaction’ to see the transaction’s status

What is BHIM VPA and its format

VPA stands for Virtual Payment Address. It is a unique identifier that can be used to send and receive money through UPI (Unified Payment Interface). The format of VPA in UPI is abcdef@bankname. However, by default, BHIM creates a VPA in the format – <mobile number>@upi.

How to Create UPI ID or VPA in the BHIM App

Follow the below-mentioned steps to create a UPI ID or VPA in the BHIM app:

Step 1: Open the BHIM app on your smartphone

Step 2: Select your preferred language and select Verify Mobile Number

Step 3: Choose your respective bank and the app shall automatically fetch your bank name, IFSC code and account number

Step 4: Select the account you want to link with the BHIM app

Step 5: Select your desired 4 or 6-digit PIN to create a unique UPI ID to access the BHIM app

What is BHIM UPI Lite

BHIM UPI Lite is a feature of UPI Lite that enable the users to make low-value transactions without using a UPI PIN. BHIM UPI Lite is an on-device wallet that uses the NPCI Common Library (CL) to process transactions.

The BHIM UPI Lite feature requires you to add the balance from your bank account to the wallet from where the transaction can be carried out.

Features of BHIM UPI Lite

• Balance Limit: The balance of BHIM UPI Lite is capped at Rs. 2,000 at any time
• UPI PIN Required: Users require a UPI PIN to enable UPI Lite
• Balance: Users receive balance reminder, if their account balance is low
• No KYC Required: Users are not required to complete KYC to use UPI Lite
• Offline Payments: UPI Lite can used for Offline payments where there is a lack of connectivity
• Works even with no Internet: No internet connection is required to perform transactions

What is UPI Credit Line on BHIM App

UPI Credit Line on BHIM app is a pre-approved credit line offered by banks to perform payment transactions via UPI. This feature permits users to make payments from the credit line issued by the lending bank, irrespective of the balance in the bank account.

Your credit line can be linked by opening the BHIM UPI app and clicking on the payment method to add a credit line. Further, the user needs to select the respective bank to create a UPI PIN, and start making the UPI transactions from the assigned credit line.

How to Reset/Change UPI PIN on BHIM

To change/reset your UPI PIN on BHIM, follow the below-mentioned steps:

Step 1: Open the BHIM UPI app and choose your bank account on the left side of the home page

Step 2: Tap on ‘Change UPI PIN’

Step 3: On the next page, enter the 4-digit old UPI PIN and then enter a new 4-digit UPI PIN

Step 4: Confirm the new UPI PIN entered. Your UPI PIN will be changed

If in case you forget your UPI PIN, follow the below-mentioned steps:

Step 1: Open the BHIM app, choose your bank account, and tap on ‘Forgot UPI PIN’

Step 2: Enter the last 6 digits of your debit card and its validity

Step 3: Enter the OTP received

Step 4: Enter your 4-digit card PIN and on the next page, set your 4-digit UPI PIN

Step 5: Confirm the new UPI PIN by entering again. Your UPI PIN will be changed

How to Enroll Yourself as a Merchant on UPI

• To enroll yourself as a merchant on UPI, you need to find the ‘I am Merchant’ tab in the home screen menu and enable it
• Once you enable yourself as a merchant, a new tab or option ‘Merchant’ shall be available for usage
• You can now add agents by entering their UPI IDs and mobile numbers
• You need to generate a QR code and share it with the agents for payment collection on behalf of the merchant.
• The agent shall receive an SMS just after the transaction is completed. Remember that you can add up to three agents and receive the information related to the collection of payments.

RuPay Credit Card on UPI

RuPay Credit Cards can be linked to UPI apps and customers can make UPI transactions directly from their BHIM UPI app. These cards are virtual credit cards that provide seamless digital transactions. Customers can easily make payments to merchants just by scanning the UPI QR code. It is to be noted that cash withdrawal is not permitted through this card.

How to Link RuPay Credit Card and Pay with BHIM UPI

You can make UPI transactions through BHIM using your RuPay credit cards as well. For this, you have to link your RuPay credit card from any bank with the BHIM App. Steps to link your RuPay credit card and pay with BHIM UPI are further discussed:

Step 1: Open the BHIM UPI app on your smartphone and enter the passcode

Step 2: Click on the bank account and add an account

Step 3: Select the credit card and then select the credit card issuer bank

Step 4: Select your credit card and click on “Confirm”

Step 5: Click to view accounts and select it from the available options

Step 6: Set your desired UPI PIN and wait until it displays “UPI PIN set successfully”

RuPay Credit Card on UPI Features

The salient features of the RuPay Credit Card are mentioned below:

• Standard UPI standard transactions limit shall be followed
• You can select the new credit card accounts from the issuer bank based on your registered mobile number and link it to the UPI ID on the BHIM App
• Post linking, you can make payments to merchants by scanning the QR code
• Autopay and dispute resolution process is available via ODR (UPI Help) via UPI apps

Note: Cash withdrawal at merchant, P2P, P2PM, and card-to-card payments are not allowed via RuPay Credit Card on UPI.

BHIM UPI Bill Payment through Bharat Billpay

BHIM Bill Pay is available only for banks that are enabled on Bharat Bill Pay.

What is the Transaction Limit on BHIM UPI App

The transaction limit of BHIM UPI app is mentioned below:

• Maximum limit per transaction is Rs. 40,000
• Total transaction limit per day is Rs. 40,000 from one bank account
• Total Transaction Limit: 10 per day from 1 account
• Limit is available per bank account which is linked on BHIM

How to Transact using BHIM App

The below-mentioned process explains how to send and receive money through BHIM UPI App:

How to Send Money on BHIM

Find below the steps wherein BHIM users can send money by using one of the following details of the beneficiary.

• VPA (Registered on UPI)
• Mobile No. (Registered on UPI)
• Account Number and IFS code

By Using Virtual Payment Address (VPA)

Step 1: Open your BHIM app and enter your login passcode

Step 2: Tap on ‘Send’ option

Step 3: Enter the virtual payment address (VPA) and tap on verify to check the name of the payee

Step 4: Name of the payee will be fetched from the bank. Enter the amount and remarks for the transaction and tap on ‘Pay’

Step 5: Enter the UPI PIN. The transaction will be successful

By Using Mobile Number

Step 1: Open the BHIM app and enter your login passcode

Step 2: Tap on ‘Send’ option

Step 3: Enter the mobile number and tap on verify to verify the name of the payee

Step 4: Payee’s name will be fetched if the payee is registered on *99# BHIM. Enter the amount and remarks for the transaction

Step 5: Tap on ‘Pay’ to complete the transaction

Step 6: Check all the details added and then enter the UPI PIN. The transaction will be successful upon entering the UPI PIN

By Account No & IFSC

Step 1: Open BHIM UPI app and enter the passcode to login

Step 2: Click on ‘Send’ option

Step 3: On the top right, tap on A/C+IFSC option and select the account of the payee

Step 4: Enter the details of the payee such as Bank IFSC, Beneficiary’s name, Account number, Confirm account number and tap on ‘Verify’

Step 5: Enter the UPI PIN to complete the transaction and your transaction will be successful

How to use BHIM App to Receive Money

The user can receive money using BHIM app in three ways:

By Using Virtual Payment Address (VPA)

Step 1: Open the BHIM UPI app and enter the passcode to login

Step 2: Tap on the ‘Receive Money’ option and enter the VPA of the payer to collect money. Click on ‘Verify’ to verify the name of the payer

Step 3: Enter the amount and remarks

Step 4: The Initiator will receive a confirmation once the request has been sent and will also be notified once the payer accepts the request for money

By Using Mobile Number

Step 1: Open the BHIM app and log in using your passcode

Step 2: Tap on ‘Receive Money’ option

Step 3: Enter the mobile number to receive money and tap on verify to check the name of the payer

Step 4: Once the payer’s name is reflected, enter the amount and remarks

Step 5: You will receive a confirmation of the request sent

Step 6: The request to collect money will be sent and you will be notified once the payer accepts the request

By Using a Generated QR Code (Dynamic)

Step 1: Open the BHIM app using your login passcode

Step 2: On the right side of your home page, choose the option to generate a QR code

Step 3: Generate the QR code from there and share the QR code with the payer for collecting money

How to Do International Transactions using BHIM UPI App

To perform international transactions using BHIM UPI app, you may follow these instructions:

Step 1: Open the BHIM UPI app and go to your profile

Step 2: Select your bank account from the “My Linked Bank Accounts” section

Step 3: Tap on “UPI Global”

Step 4: Choose the validity period for the feature

Step 5: Enter your UPI PIN to confirm the activation

After the activation, you can use the BHIM UPI app for international transactions by:

• Scanning the international merchant’s QR code
• Entering the amount in the payable foreign currency
• Selecting the bank account to use for payment

BHIM App Customer Care

In case there is any issue faced while making transactions on the BHIM app, customers can reach out to the BHIM UPI customer care toll-free number mentioned below:

1800-120-1740

Benefits of the BHIM UPI App

• Using the BHIM app infra is free of cost
• Single online platform to send and receive money
• Maximum transaction limit is up to Rs. 40,000 per day
• Digital payment app to receive and send money
• 1 App to manage all the bank accounts
• You earn interest on the money kept in your bank account
• Secures your financial and personal information
• BHIM frameworks work even without the internet

Top Banks Providing BHIM UPI Services

Axis Bank	Bank of India	Bank of Maharashtra
HDFC Bank	ICICI Bank	Indian Bank
PNB	SBI	Union Bank
YES Bank

Besides the above-mentioned leading banks, more than 440+ banking institutions are offering BHIM UPI services. These banking institutions include private and public sector banks, cooperative banks, regional rural banks,  small finance banks, etc.

FAQs

Q. What is the BHIM UPI full form?

Ans. The BHIM full form is Bharat Interface for Money. It is also mentioned on the BHIM app logo.

Q. Is BHIM UPI free? What are the charges for using the BHIM UPI app?

Ans. BHIM UPI is a free National Payments Corporation of India (NPCI)-backed mobile application for online fund transfer. There are no charges applicable as of now.

Q. Who can use BHIM?

Ans. To use BHIM, individuals must have a bank account, a registered mobile number with the bank and a debit card.

Q. When can I use BHIM?

Ans. BHIM can be used any time of the day as it is a 24×7 service.

Q. What is the importance of using BHIM?

Ans. BHIM provides simple and secure transactions on the go in an individual’s preferred language.

Q. Is the BHIM UPI app safe?

Ans. Yes, BHIM UPI is safe and secure as it follows the strict guidelines defined by NPCI that ensures the safety of users’ financial and personal information.

Q. What is the limit of BHIM UPI per day?

Ans. The maximum transaction limit set by BHIM is Rs. 40,000 per day for accounts that are linked with BHIM.

Q. How many transactions are allowed in BHIM UPI?

Ans. You can make only 10 transactions per day and the total amount shall not exceed Rs. 40,000 per day from one account.

Q. If I send money to the wrong person, is it possible to cancel the transaction?

Ans. Firstly, you should check it twice before sending money, but if you have sent it to the wrong person then you may visit the receiver’s bank branch to inform them and provide a written request to return the sent amount.

Q. Is BHIM available for all handsets and operating systems?

Ans. BHIM can be currently accessed on handsets with iOS (version 13.0 and above) & Android OS (version 5.0 and above).

Q. Does the BHIM app run without the Internet?

Ans. Yes. You can use the BHIM app without the internet by dialing *99# to avail offline features of BHIM.

Q. My account got debited while making the bill payment via the BHIM app. When will I get my money back?

Ans. As notified in BHIM, it may take up to three working days for you to get the deducted money back.

Q. How many VPAs can I add to the BHIM app?

Ans. You can add two VPAs as BHIM allows you to add two VPAs. The first VPA is the default VPA (mobile number@upi). You can create the second VPA by going to the ‘My Profile’ page.

Q. Is it mandatory to enable mobile banking on my bank account to use BHIM?

Ans. It is not mandatory to enable mobile banking to use BHIM. Only your mobile number should be registered with your bank.