BHIM App Download for Android APK UPI Payment App

Our country India is progressing rapidly with each passing day and new innovations are ahead of each passing time. You may be wondering what is new today. Well, we are presenting the BHIM app for you.

Actually after demonetization, the nation ran short of the new notes and naturally people switched to PayTM app for most of their transaction because believe it or not, PayTM has every feature of doing transactions and sending or receiving money from your bank accounts.

PayTm has widely come into existence since then. The Government has planned for digital transactions and cashless economy. Also to encourage the digital payment system the Government has recently introduced the cash prizes for transactions on various cards like RuPay card, USSD, and other cards.

BHIM App Android Download, iOS Version, Supported Banks, Transaction Limits, and More You Need to Know

Over this, PM Narendra Modi had to say,

So nowadays, the Government has also been holding ‘Digi Dhan Mela’ camps in various urban areas to teach the basics and show the full advantages of cashless transactions. And so, our Prime Minister, Narendra Modi has announced a rebranded form of Unified Payments Interface (UPI) app at the Digi Dhan Mela camp in Delhi. Called ‘BHIM’ which remains for Bharat Interface for Money, the app is produced by National Payments Corporation of India (NPCI).

Let us talk about the newly launched BHIM app. Actually what happened is that Prime Minister Narendra Modi has announced a new digital payments app called BHIM based on the Unified Payments Interface (UPI). The main work of BHIM app could be compared and matched against its rival, PayTM. BHIM app is also supposed to support Aadhaar-based payments, where transactions will be possible just with a fingerprint impression, but that facility is yet to roll out.

Talking in a more clear way, BHIM app is an initiative to enable fast, more secure, reliable cashless payments through your mobile phone. BHIM is interoperable 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 dedicated to the service of the nation. The BHIM app is a straightforward UPI app, which would allow anyone to make simple digital payments directly from their bank account, and it is now available for download over your devices.

What’s so special about BHIM app?

BHIM will be the India’s biggest wonder and a very essential app that nobody can deny installing. This app is compiled from the features and takes on the likes of PayTM, Mobikwik, Freecharge and other mobile payment apps which have become hugely popular since the government announced banning of Rs 500 and Rs 1000 notes on November 8.

The BHIM app comes with a very subtle and a basic interface and is worked for convenience of its users. The application is around 2MB in size in downloading and after installing and running this app, you will be requested that offer service to send an SMS and enroll your mobile number in the very start. Once enrolled, you will be requested that set a 4-digit password, and after that pick your bank. 

And one essential thing is that Users can send and receive money instantly using this app. It also enables a user to pay and receive money by scanning QR code. All payments on the app are done using secured network of Unified Payment Interface (UPI) as we already mentioned and the money gets credited into your bank account instantly 24×7. So don’t worry for any security threat in this app for your very own money.

BHIM also has options to transfer via IFSC, MMID as well for non-UPI banks. It also means the government has decided to go with one app that will enable digital payments via UPI. Of course until everyone starts accepting and activating UPI as a payment method, BHIM won’t be of use to a majority of people.


BHIM app will let you send and receive money to other non-UPI accounts or addresses. You can also send money via IFSC and MMID code to users that you want to send the money to, who don’t have a UPI-based bank account. Additionally, there’s the option of scanning a QR code and making a direct payment. Users can create their own QR code for a certain fixed amount of money, and then the merchant can scan it and the deduction will be made. This way it will be the most safe and reliable way to send and receive your money.

BHIM app is not a mobile wallet. In case of mobile wallets like PayTM or MobiKwik you store a limited amount of money on the app that can only be sent to someone who is using the same wallet. So if you have a PayTM account it won’t be possible for me to send money to someone on MobiKwik or other money-paying apps.

But BHIM is different from this. It is actually based on UPI and thus linked directly to a bank account. Your friend, relative or even a merchant who you’re trying to pay doesn’t necessarily need to be on the BHIM app. All they need is a bank account to receive the payment.

You can just ask for their VPA or virtual payment address if they have UPI activated and just make a payment to that account. Suppose if you have a VPA at any bank, then you can just send that bit of information to the specific person and he/she can transfer it straight from BHIM. Otherwise there’s the option of IFSC code or MMID for sending/ receiving money.

So what’s the advantage? Actually, this VPA is all that is needed to transfer funds. A maximum of Rs 10,000 can be shared per transaction, and a total of Rs 20,000 can be sent within 24 hours. BHIM app even lets you scan and pay using QR Code


  • First, you have to download the app from Google play store.

You can download BHIM app from HERE.

  • Once installed, follow the said procedure to activate the app.
  • Then it will show a screen with options – Send, Request and Scan and Pay.
  • This means you have successfully set up the app and it is now ready to use.

You can also view your profile, records of transactions and by clicking on Bank Account option, you can reset or change your UPI pin. By clicking on three dots on right top corner, you can change your bank account if you wish to switch to another account from the current one.

BHIM App Supported Banks?

All the major banks are supported by the BHIM app Downloading – as long as the bank supports UPI, you will be able to access your money through the BHIM app.

The list of banks supported by the BHIM app is as follows:

  • 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


After you download the BHIM app over your smartphones, you will have to register your bank account through the app, and set a UPI PIN. Your mobile number is your payment address, and you can start transacting. Through the app, you can send or receive money to a phone number, check balance, or scan a QR code to make a payment without sharing a phone number.

Using the BHIM app, money can also be sent to non-UPI banks through IFSC, like you do with your normal net banking.

Merchants need to download the Aadhaar cashless merchant app on their smartphones connected to a biometric reader, which is currently available for Rs 2,000. The customer will then feed his or her Aadhar number into the app, select the bank through which the transaction will take place, and the biometric scan will work as a password for the transaction to be authenticated.

How many accounts can I link to the BHIM app?

BHIM app, well, lets you choose your preferred bank easily after it has verified your mobile number. The app sends an SMS via the SIM that you are using and have mentioned in your details and it sends it in your phone. So it is best if your phone has the same mobile number as the one that is linked to a bank account.

You still have to make sure one thing that there is enough balance for BHIM app to send out an SMS in sim card. The app will then ask you to set a passcode (4 digit), which you can choose.

Keep something you don’t forget easily because you will need the code every time you open the app and to authenticate the transaction. And it is also better that you have written the passcode somewhere safe so that you don’t forget it and don’t lose it easily.

After this, the app will ask you to select from the relevant bank. You will need to choose your bank, if UPI is activated it will reflect the relevant account number, and you’ll be able to see an option to send money, receive money, share via IFSC code.

If UPI is not activated, you can just put in six digits of your debit card and the expiry date. You then create a UPI pin. Once this process is done, the app will let you perform the needed functions.

Then just click on send money and just type in the mobile number or bank VPA address. It will also verify the user to whom you are sending the money. You just need to type in the required or desired amount and click on the ‘pay’ button. You will also need to enter your UPI pin to authenticate the transaction.

If the person, whom you want to send the money to, doesn’t have UPI, don’t worry. Just locate on top of the send money option, you will see three dots. Tap on those dots (options) and the ACCOUNT+IFSC option will open up. Put in the details there, and you’ll be able to transfer money.

The problem is that if your mobile number is linked to two accounts, you can only access one for now. If you want to switch accounts, you have to disable the selected one and go back to the bank selection option again. To transfer money you just need the person’s or even merchant’s mobile number or VPA which they should be able to give if they have a UPI account.


  • Send and Receive Money: Via BHIM app, you can 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.
  • Check Balance: You can check your bank balance and transactions details on the go via the all new BHIM app.
  • Custom Payment Address: You can create a custom payment address in addition to your phone number for your BHIM app.
  • QR Code: You can scan a QR code for any of the faster entry of payment addresses. Merchants can easily print their QR Code for display and even send it to others to receive payments.
  • Transaction Limits: The BHIM app allows you to transact a maximum amount of Rs. 10,000 per transaction and Rs. 20,000 within 24 hours.
  • Language supported: This app is available to use in languages like Hindi and English. Also, more languages will be coming soon with the updates of BHIM app.


So far, we have had updates of only Android smartphones. Since the app is only available over the Google Play Store, this confirms that the app is so far only available for Android smartphones. But still, the app is supposed to roll out soon for the iOS too, which means that you will be able to use this app over your Apple devices too without any hesitation and the same features as Android users enjoy.

So, let’s sum up our points and see what the app holds in brief:

  • The app also allows you to scan a QR code. The merchant can generate his QR code through the BHIM app. To pay him, you’d need to tap the Scan and Pay button in the app, and then scan the QR code.
  • The BHIM app allows you to easily transfer money or make a payment from your bank account using only your phone number. If the merchant uses the BHIM app too, just open the said app, choose ‘Send money’, and type in the amount and the merchant’s phone number to make the payment. The money will be debited from your account, and credited to the merchant’s bank account which is linked by you and the vendor to the BHIM app.
  • BHIM is now available as an Android version download now, and iOS is coming soon.
  • Even without a smartphone, anyone can use BHIM to make payments. You will just need to dial *99# from any kind of mobile phone, and this will show a menu – by typing in different numbers you can choose to send money, check your balance, or see transaction history.
  • To send money, for example, you have to type ‘1’ and just send it and then type ‘1’ again to select mobile number. After this, you have to type in the number and the amount, and then a PIN that can be generated using BHIM. This will work on any phone, even Rs. 1,000 feature phones – without an Internet connection.
  • Shopkeepers can use the BHIM app too and receive money from a smartphone, or if the customer has linked a bank account and his/her Aadhaar ID, then the merchant can use Aadhaar Pay, an app that was launched some days back. For this, the merchant needs to have a smartphone (even a basic Android phone will do) and a Rs. 2,000 fingerprint reader. This is currently being distributed free in Aadhaar Payments pilot projects around the country.
  • On the shopkeeper’s phone, the customer needs to type in his or her Aadhaar number and choose his/her bank. Then, the shopkeeper uses the fingerprint reader for instant confirmation to complete the payment. The customer doesn’t need to carry his/her Aadhaar card, or use a phone, only the merchant needs these.
  • With a mobile wallet app, you have to load money in the wallet before you can use it. With BHIM and all UPI (United Payments Interface) apps, you can directly connect your phone to your bank account – like a debit card. Payments are happening directly from and to bank accounts, so merchants don’t have to worry about transferring wallet earnings to the bank either.
  • There is a Rs. 10,000 per transaction limit and Rs. 20,000 per day for BHIM.
  • All UPI-connected banks accept BHIM – this includes all major Indian banks including SBI, ICICI, Axis, and HDFC. Even banks not connected to UPI can receive money through BHIM through IFSC, an 11-digit code assigned to every bank branch by the Reserve Bank of India.

Are Mobile wallets threatened?

As per many sources, the release of UPI would be bitter for mobile wallets. This is due to UPI being an open payments platform, where money can directly be transferred from one bank account to another without any switching charges.

It also removes the fuss of pulling your money from your bank account to your mobile wallet and vice versa as mobile wallets are semi-closed payment systems. Further, bank-to-bank transfer makes the system more widely accepted, as opposed to the pain of tying up from merchant to merchant.

We will have to wait and see what the other mobile wallets have up their sleeve for this move by BHIM app.

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