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

Bharat Interface for Money (BHIM) is a fast and secure mode of performing transactions using Unified Payment Interface (UPI). Through BHIM, individuals can make fund transfers from one bank account to another and collect money using the mobile number or VPA of the payee. Anyone having a bank account, a registered mobile number with that account, and a debit card can use this service. The service is available 24×7 and individuals can utilise this service on the go in their preferred language. Let us discuss about other facilities offered by BHIM UPI.

Also Read: Unified Payment Interface

BHIM UPI has been a trailblazer for digital payments industry since it has made doing transactions simple and easy using UPI. BHIM comes with a lot of features. However, enlisted below are the main features of BHIM:

• Send and Request Money: The user can send and request money quickly using the payee’s VPA and amount will be transferred to the bank account in no time
• Scan & Pay: BHIM provides an option to scan unique the QR code andpay to the merchant or anyone the user needs to send money to or receive money from
• Available in Multiple Languages: BHIM UPI allows users to access the application in about 20 languages that includes English
• Effective Transactions Tracking: A user can also track his/her transactions in BHIM app
• Safe, Secure, and Free of Cost: BHIM is quite safe and secure to do transactions from. There are no charges levied as of now.
• Option to Check Account Balance: Users can check their account balance through BHIM App by clicking on their bank account details
• Option to Link RuPay Credit Card: BHIM allows users to link their HDFC Bank’s RuPay virtual debit card with their UPI ID and make regular transactions through UPI
• Make Bill Payments: Customers can make bill payments through BHIM UPI of DTH, mobile postpaid, electricity, recharge FasTag, make credit card payment, etc.
• Avail DigiSaathi Services: Users can avail information on digital payment 24×7 on DigiSaathi

BHIM UPI app can be downloaded from Google Play Store or Apple Store. Once you have downloaded and installed the BHIM UPI app on your device, you need to follow the below-mentioned process:

Step 1: Select your preferred language

Step 2: Grant permission to send an SMS to verify your mobile number

Step 3: Upon successful verification, you will be taken to the Home page of the app and in case of an unsuccessful attempt, you will be prompted to dial a USSD code only on Android devices

Step 4: Once the BHIM app verifies your mobile number, your registration will be completed and you can start doing your transactions

(Upon successful verification, you will be prompted with a default UPI ID i.e. mobilenumber@upi. In case you want to add one more VPA, you can do so by going in the profile section)

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.

The below-mentioned process explains how create UPI ID or VPA:

Step 1: Download BHIM UPI enabled app from Google Play Store or Apple Store

Step 2: Link that UPI app to your bank account and create a UPI PIN

Step 3: Create your unique VPA or you can pick any VPA from the suggestions

Step 4: Your UPI ID will be created

The transaction limit of BHIM UPI app is mentioned below:

• Maximum limit per transaction is Rs. 10,000
• Total transaction limit per day is Rs. 20,000
• Limit of transactions per account per bank is 20

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

How to Send Money on BHIM

The user can send money on BHIM in three ways:

By Using Virtual Payment Address

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 BHIM UPI app and enter the passcode to login

Step 2: Tap on ‘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: 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 BHIM app and login 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 Generated QR Code (Dynamic)

Step 1: Open BHIM app using your login passcode

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

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

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

Step 1: Open 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 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

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

Step 1: Open 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

In case there is any issue faced while making transactions on the BHIM app, customers can reach out to the BHIM App’s toll free number 18001201740.

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 merchant just by scanning the UPI QR code. It is to be noted that cash withdrawal is not permitted through this card.

Bank of India	Bank of Maharashtra	Punjab National Bank
State Bank of India	YES Bank	Axis Bank
HDFC Bank	ICICI Bank	Indian Bank
Union Bank

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

BHIM UPI is a free NPCI-backed mobile application for online fund transfer. There are no charges applicable as of now.

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

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

Q. Does BHIM app run without internet?

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

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

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 BHIM app?

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

Q. Who all can use BHIM?

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?

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

Q. What is the importance of using BHIM?

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

Q. What is the full form of BHIM?

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

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

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