BHIM App Free Download

What is BHIM App?

Ever since Indians were struck with the news of demonetization back in November, it became quite evident that one of the most important goals Honorable Prime Minister Narendra Modi aspires to achieve is cashless India. In fact, you must have seen a prominent campaign of National Payment Corporation of India (NPCI) – “Chai ke bahaney digital payments ko jaaney!” In a bid to spread awareness about digital payments through multiple programs, NPCI is setting up chai chowkis in every nook and corner of various cities. Not only this, the initiative is also helping lakhs of people in opening their bank accounts and making cashless payments from person to person and to merchant stores. Sending and receiving money on the app with just one touch has simplified the process and reduced time in making payments, which is what the NPCI propagates, and such a revolutionary step is now possible through the BHIM app.


BHIM app, which stands for Bharat Interface for Money, is a Mobile App developed by NPCI, based on the Unified Payment Interface (UPI). It was launched by Narendra Modi at a Digi Dhan mela, at Talkatora Stadium in New Delhi on 30 December 2016. It has been named after Dr. Bhimrao R. Ambedkar and is intended to facilitate e-payments directly through banks and as part of the 2016 Indian banknote demonetization and drive towards cashless transactions. This UPI app supports all Indian banks which use that platform, which is built over the Immediate Payment Service infrastructure and allows the user to instantly transfer money between the bank accounts of any two parties. It can be used on all mobile devices. Around 2MB in size, it allows users to transfer amounts up to a maximum of Rs 20,000 per day. However, there’s also a cap of Rs 10,000 for a single transaction.

UPI is a form of payment system that allows money transfer between any two bank accounts by using a smartphone. UPI allows a customer to pay directly from a bank account to different merchants, both online and offline, without the hassle of typing credit card details, IFSC code, or net banking/wallet passwords. BHIM is slightly different, as BHIM users do not need to download mobile applications of multiple banks; instead a single BHIM app downloaded from Android Play Store is sufficient. Other than that, payments can be made through a virtual payments ID or through account number and IFS code, same as UPI. Now, you might wonder as to why the BHIM app was needed when UPI already existed. Well, with various banks managing their own apps, any kind of bug or glitch reported in the UPI platform took a long time to be resolved due to lack of centralized control. NPCI, which manages the railroads of UPI and also BHIM, says it is easier to fix bugs and update the new app in case of issues.

Advantages Of BHIM App :

  1. BHIM allow users to send or receive money to other UPI payment addresses or scanning QR code or account number with IFSC code or MMID (Mobile Money Identifier) Code to users who do not have a UPI-based bank account.
  2. BHIM allows users to check current balance in their bank accounts and to choose which bank account to use for conducting transactions. (Although only one can be active at any time)
  3. Users can create their own QR code for a fixed amount of money, which is helpful in merchant — seller — buyer transactions.They can also have more than one payment address.
  4. If the 12-digit Aadhaar is listed as a payment ID on the BHIM app will not require any biometric authentication or prior registration with the bank or Unified Payment Interface (UPI).
  5. Version 1.3 allows the user to use mobile numbers from their contact book to send money and also save payment addresses for future use without needing to type the address again. User can also check the Previous Transaction History by Tapping Transaction Box. Here only the transaction through BHIM shown

How To Use BHIM App :


  1. Android users can download the application from Play Store by searching for ‘BHIM’. The app is not available for iOS users yet.
  2. Install the application and choose your language. The app will prompt you to verify your phone number using an SMS. Click on Next and wait for the verification process to be completed.
  3. Once the verification is complete, input a four-digit passcode.
  4. After a passcode is set, the app will ask you to select your bank. Once the bank is selected, the app automatically picks up your details using your phone number. Select the primary bank account that will be used for all your transactions.
  5. The app displays three options — send, request and scan/pay. Transactions are possible only between verified phone numbers.
  6. To send money to someone, type in their phone number and the amount to be transferred. The app will prompt you to input your MPIN, usually a four or a six-digit code that authenticates a mobile transaction.
  7. Likewise, you can request money from someone, using his or her phone number.
  8. The third option, scan & pay, allows users to transfer money using a QR code, a two dimensional black and white barcode which can be decoded by a smartphone or a tablet. Each phone number is assigned a QR code, which can be accessed under profile on the home screen.

BHIM app is not a mobile wallet; it is an open platform which links directly to any bank account and proves to be much more useful than mobile wallets. Wallets mostly rely on a phone’s locking system as their security system. Even while making a payment, wallets often don’t ask for any kind of pin or password. So if the phone is stolen, anyone can make transfers using the wallet by merely unlocking the screen. The BHIM app, on the other hand, has its own app password. One needs to enter the password to access the app, to proceed with a transaction, and also to check balance. The payment gateway is blocked after three wrong tries. However, with BHIM allowing just the name or mobile number as payment address, anyone can request for money. The NPCI has cautioned people about unknown payment requests one may get.