Narendra Modi’s BHIM app – How to use it and all you need to know

BHIM UPI App - we did a quick check of the app Prime Minister Narendra Modi launched today. Read to find out more!

Written by Aaron Pereira | New Delhi | Updated: December 30, 2016 6:08 pm
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Prime Minister Narendra Modi on Friday launched Bharat Interface for Money – BHIM – an app that lets users make payments using Unified Payment Interface.

Only available on Android for now, the app lets users pay and receive money with no processing fee. A transaction cost, however, may be levied by the user’s bank. For now, the app lists 30 banks including SBI, HDFC, ICICI, Union Bank of India, South India Bank, and Standard Chartered, among others. To find the app on the Play Store, search for BHIM UPI, else what you will end up with is a list of Chhota Bheem apps!

For a transaction to happen, both, the sender and the receiver must have an account with a bank that has UPI enabled. The account holder does not need to have mobile banking activated as the App automatically fetches user data, but the user’s mobile number must be registered with the bank.

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We did a quick check of the app and here’s what you need to know

The installation process is pretty simple. You need to select your preferred language. For now, it just lists English and Hindi. We assume there will soon be provision for regional languages as well. Following this, you create a four-digit password for the app, which it will ask you every time you log in.

You then need to grant the app permission to read/send SMS from your phone – this is when the app checks which banks have your mobile number linked to it, and the data is then fetched.

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Once done, it will list the 30-odd banks and you can choose your preferred bank. The drawback here, however, is that if you have UPI on two banks, you can only link one, for now. So if you want to switch, you have to disable the selected one and go back to the bank selection option.

If you’ve already created a UPI account, it will fetch the data for you. If not, you need to feed in the last six digits of your debit card and the expiry date. You then create a UPI pin. Once done, you can begin sending/receiving money through the app by using the beneficiary’s mobile number/UPI handle or QR code. The benefit here is that you no longer need the persons IFSC code, bank account number, etc. You just need their mobile number or alternatively, their UPI payment address which reads something like xyz@upi. The person you are sending or receiving money from also needs to have a UPI account.

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I tested the app by sending money to myself and the transaction took a few seconds.

On the flip side, the app is not available on iOS and Windows, both of which have a substantial user base in India.

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What do you think of the BHIM app? Let us know in the comment section below.

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First Published on: December 30, 2016 6:03 pm
  1. R
    Ramdhani dwivedi
    Apr 23, 2017 at 12:53 pm
    It is very fine app for money transactions.very smooth too.
    Reply
    1. K
      Kumari Puja
      Apr 19, 2017 at 12:14 pm
      Wow it very easy for transaction of money.
      Reply
      1. S
        Sharat Kumar
        Apr 15, 2017 at 2:26 am
        First first use problem but afterthat very nice
        Reply
        1. B
          Bir Chilarai
          Jan 1, 2017 at 4:40 pm
          Yes, you should refrain from doing complicated things like online banking. It's simply not in your league.
          Reply
          1. D
            Divya sree
            Jan 4, 2017 at 12:44 am
            State bank of hyderabad is not registered how to register into the account
            Reply
            1. A
              Arvind G. Gokhale
              Apr 17, 2017 at 11:02 am
              Now SBH has merged with SBI so your problem solved.
              Reply
            2. G
              Gopinath
              Jan 2, 2017 at 3:13 am
              Made a few transactions using this app, the other person doesn't receive any confirmation SMS, so there's no way for the other person to know if the money is transferred unless he or she has Internet connectivity and opens the app to check. One of the failed transactions resulted in money being deducted from my account, and I wasn't even aware of it until I opened the net banking (since there was no sms confirmation on the money deducted or added), no refund yet. Complaint redressal system is a pain.
              Reply
              1. K
                KT
                Jan 3, 2017 at 5:28 am
                That may be an ATM card, you need a Debit card possibly. Please check with the bank
                Reply
                1. R
                  Ravi choudhary
                  Jan 2, 2017 at 12:36 pm
                  Pls add sbbbj bank with other bank list in this app
                  Reply
                  1. S
                    Syed
                    Mar 10, 2017 at 9:12 am
                    Can we use it for multiple bank accounts. It is not clear
                    Reply
                    1. A
                      Adinarayana. thugonda
                      Feb 23, 2017 at 4:56 am
                      Hi frindes good morning.lt;br/gt;him happy isa good.
                      Reply
                      1. U
                        Ud
                        Jan 3, 2017 at 8:21 am
                        Number sahi hai.. Aur link bhi hai.. Msg bhi aate hai bank se.. Ye problam yaha sab ke aa rahi h SBI cus. Ke
                        Reply
                        1. A
                          Anony
                          Dec 30, 2016 at 3:47 pm
                          It's just like an any other app. How is it different from other UPI apps? Jumla man is trying to fool everyone again
                          Reply
                          1. H
                            HollyGQ
                            Dec 30, 2016 at 7:18 pm
                            It appears this thing requires the worker to know English.lt;br/gt;So it is useless to most Indians.
                            Reply
                            1. M
                              MyTake
                              Dec 30, 2016 at 9:57 pm
                              After converting India to digital it should attempt to redefine democracy.lt;br/gt;Currently there are only Parliamentary and Presidential form of democracy. Next step up should be digital democracy and it can be achieved by:lt;br/gt;1. Have election but the Govt. can stay in power for a minimum of 2 years and a maximum of 10 years.lt;br/gt;2. Period for Govt. to stay in power should be defined by the following:lt;br/gt;2.1 people should be able to cast their votes online anytime which is to remain valid for 10 years (from the date of casting) or until they change it.lt;br/gt;2.2 Casting votes should be made easier using their bank account link/ID or app from a smart phone.lt;br/gt;2.3 Anytime there is an election this casted votes should be taken into account at the end of election period (avoid the possibility duplication/confusion just in case the concerned voter wants to come to election booth and physically cast the vote). If a person fails to come his standby vote should be used.lt;br/gt;2.4 Use the online casted votes for prediction and check if people are likely to support the current Govt. When there is a likely scenario of Govt. support is not enough (and may be even with a threshold value slightly above the "danger" level) call for election after 2 years. If things look positive let it run anything between 2 to 10 years.lt;br/gt;2.5 Modify 2 to 10 year period as is required and dictated by experience.lt;br/gt;2.6 In the process save money (and trauma) by having a good Govt. (Rejecting bad Govt.).
                              Reply
                              1. M
                                MyTake
                                Dec 30, 2016 at 10:32 pm
                                Did I write for those who breath and eat "Congie" "stuff" day in and day out? lt;br/gt;Obviously not!!
                                Reply
                                1. M
                                  MyTake
                                  Dec 30, 2016 at 9:42 pm
                                  He did not know how to read the word Hindi and the w sentence that says it will available in regional languages!
                                  Reply
                                  1. P
                                    Puneeth
                                    Dec 30, 2016 at 1:08 pm
                                    It's not opening in my phone it just gave me a first look only
                                    Reply
                                    1. A
                                      Ashoke
                                      Dec 30, 2016 at 4:58 pm
                                      A mistake can not be corrected with subsequent mistakes. Mr. Narcissist Mythomaniac et al are having the worst-nightmare-in-daylight of their lives. They are panic stricken. Running in a helter-skelter fashion to hide under the carpet through these superfluous schemes and apps.
                                      Reply
                                      1. A
                                        Ashoke
                                        Dec 30, 2016 at 5:01 pm
                                        RBI made a mistake. They forgot to print the picture of Mr. Narcissist Mythomaniac, on his favourite political poster with slogan " स्वच्छ भारत" / "एक कदम स्वच्छता की और" on ₹500 and ₹2000 notes.
                                        Reply
                                        1. A
                                          Atharv
                                          Dec 30, 2016 at 5:21 pm
                                          Don't show your habit of spitting anywhere in public by spitting on this post. This is not a dustbin to throw om tantrums !
                                          Reply
                                          1. V
                                            vandana
                                            Dec 30, 2016 at 1:56 pm
                                            Need to know more about thumb use and without net.
                                            Reply
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