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How BHIM App Works; How to Use BHIM App for Making and Receiving Payments

Prime Minister Narendra Modi today launched 'Aadhaar Pay' during the meeting in Digi Dhan Mela. Aadhaar Pay is dubbed as BHIM, Bharat Interface for Money

BHIM App is the modified version of UPI & USSD which will be every Indian's hope for a corruption free, clean India, said PM Modi.

Bharat Interface for Money (BHIM) is an initiative by the Government of India to enable fastsecure and reliable cashless payments through your mobile phone. BHIM is interoperated with other Unified Payment Interface (UPI) applications and bank accounts. BHIM is developed by the National Payment Corporation of India (NPCI). BHIM is made in India and is dedicated to the service of the nation.

Download the app here: Download

How does it work?




  • Register your bank account with BHIM, 
  • Set a UPI PIN for the bank account. 
  • Your mobile number is your payment address (PA), and you can simply start transacting. Yes! It is that simple.

bhim payment app


Send / Receive Money: 

Send money to or receive money from friends, family and customers through a mobile number or payment address. Money can also be sent to non-UPI supported banks using IFSC and MMID. You can also collect money by sending a request and reverse payments if required.



bhim app tutorial

Check Balance: 

You can check your bank balance and transactions details on the go.

Custom Payment Address: 

You can create a custom payment address in addition to your phone number.

QR Code: 

You can scan a QR code for faster entry of payment addresses. Merchants can easily print their QR Code for display.



Transaction Limits: 

Maximum of Rs. 10,000 per transaction and Rs. 20,000 within 24 hours.

Language supported: 

Hindi and English. More languages coming soon!



Supported Banks: 

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

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