BHIM app for UPI-based payments: Everything you need to know

BHIM UPI app launched by PM Narendra Modi. From linking bank accounts to send payments, all you need to know.

Written by Shruti Dhapola | Updated: January 1, 2017 2:59 pm
BHIM, BHIM app, modi bhim app, how does BHIm app work, UPI, Bheem app, BHIM UPI app, bhim mobile app, BHIM pp Android, BHIM app iOS, banks supported on BHIM app, list of banks BHIM app, latest bhim app, latest modi app, news, india news, tech news, modi app launch, install bhim app, bhim app install, technology, technology news BHIM is based on UPI, which is the Universal Payments Interface and thus linked directly to a bank account.

Prime Minister Narendra Modi has announced a new digital payments app called BHIM based on the Unified Payments Interface (UPI). The app is currently available only on Android; so iOS, Windows mobile users etc are left out. BHIM 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.

So what can BHIM app do?

BHIM is a digital payments solution app based on Unified Payments Interface (UPI) from the National Payments Corporation of India (NPCI). If you have signed up for UPI based payments on your respective bank account, which is also linked to your mobile number, then you’ll be able to use the BHIM app to conduct digital transactions.

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, 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.

So BHIM app is like another mobile wallet?

No, 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 I have a Paytm account it won’t be possible for me to send money to someone on MobiKwik.

But BHIM is based on UPI, which is the Universal Payments Interface 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.

If they have UPI activated, you can just ask for their VPA or virtual payment address, and just make a payment to that account. So for instance, if I have a VPA at SBI which could be called shrutid@SBI, then I can just send my friend that bit of information and he/she can transfer it straight from BHIM. Otherwise there’s the option of IFSC code or MMID for sending/ receiving money.

The advantage is I don’t need to remember my account number or share that with everyone. 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.

Which banks are supported by BHIM app?

There’s a pretty comprehensive list of banks that are supporting BHIM app for UPI-based payments. The list includes Allahabad Bank, Andhra Bank, Axis Bank, Bank of Baroda, 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, and Vijaya Bank.

So exactly does BHIM work? How many accounts can I link to the BHIM app to make payments?

BHIM lets you choose your preferred bank after it has verified your mobile number. The app sends an SMS via the SIM 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.

Make sure there is enough balance for BHIM to send out an SMS. In our case, we’ve gotten some cases of device binding failure, but after a couple of tries the app got synced in one of phones. 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.

BHIM, BHIM app, modi bhim app, how does BHIm app work, UPI, Bheem app, BHIM UPI app, bhim mobile app, BHIM pp Android, BHIM app iOS, banks supported on BHIM app, list of banks BHIM app, latest bhim app, latest modi app, news, india news, tech news, modi app launch, install bhim app, bhim app install, technology, technology news Your friend, relative or even a merchant who you’re trying to pay doesn’t necessarily need to be on the BHIM app.

Once that is done, the app will ask you to select from the relevant bank. 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 done, the app will let you perform the needed functions.

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

BHIM, BHIM app, modi bhim app, how does BHIm app work, UPI, Bheem app, BHIM UPI app, bhim mobile app, BHIM pp Android, BHIM app iOS, banks supported on BHIM app, list of banks BHIM app, latest bhim app, latest modi app, news, india news, tech news, modi app launch, install bhim app, bhim app install, technology, technology news BHIM also has options to transfer via IFSC, MMID as well for non-UPI banks.

If your friend doesn’t have UPI, on top of the send money option, you will see three dots. Tap on that 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, you have to disable the selected one and go back to the bank selection option again. To transfer money you just need your friend or even merchant’s mobile number or VPA which they should be able to give if they have a UPI account..

Ok, so what is this UPI and how do I check if my bank supports it?

According to NPCI’s own website, when UPI went live in August 2016, the list of banks with supporting apps on Google Play Store Store looked like this: Andhra Bank, Axis Bank, Bank of Maharashtra, Bhartiya Mahila Bank, Canara Bank, Catholic Syrian Bank, DCB Bank, Federal Bank, ICICI Bank, TJSB Sahakari Bank, Oriental Bank of Commerce, Karnataka Bank, UCO Bank, Union Bank of India, United Bank of India, Punjab National Bank, South Indian Bank, Vijaya Bank and YES Bank.

HDFC bank’s Android app also started supporting UPI. Then in November, SBI’s own UPI-support app called SBI Pay went live. So far thirty apps have signed up for UPI. Also as Indian Express had noted in a report, “five other public sector banks are yet to join the UPI interface.” This is an issue because many people in India still have bank accounts in a PSU.

The other problem is that UPI based payments only work on Android phones, which means iOS users can forget about conducting these sort of transactions.

So how do I go about creating a VPA for UPI on bank account?

First up you need to have the relevant mobile banking app. Make sure your mobile number is linked to your bank account, and then go on to install your bank’s official app from the Google Play Store. Do check the developer, etc before installing because you need to make sure you are not downloading a malicious or fake app masquerading as one from your bank. If unsure which is the right app, check with the bank about the same.

Once you have the app from a bank that supports UPI-based payments on Android, you’ll be able to locate a tab regarding UPI payments. In this you can go and create a VPA, which is what will be used to conduct all UPI-based transactions. Keep VPA simple so that you don’t forget it in the future; as we explained VPA will look something like this shruti@icici or shruti@sbi, etc depending on bank. Then create a UPI pin as well for conducting future transactions.

After your VPA is created, you’ll see options to send, receive money or pay via scanning QR code. If you have more than one bank account with the same bank, you can also choose which one will be the default account for transactions via UPI.

Essentially this VPA is all you need to conduct a transaction, no need to put in a debit card when making payments to someone else. Even mobile wallets like Paytm accepting loading via UPI, and given the government wants to promote this, don’t be surprised if more merchants starting accepting UPI soon.

So what’s so special about BHIM then?

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.

Let’s not forget that Apple iOS users are out of this system for now, and that is a significant set of affluent users, who are likely doing a lot more digital transactions than Android folks. It also means even if most merchants accept UPI, a user will still need a smartphone, internet connectivity etc to conduct transactions.

In India, not everyone has a smartphone, and even most smartphone users face poor connectivity problems. From an infrastructure point of view, it is a still long way to go before BHIM becomes the default app for India’s 1 billion plus population. For now BHIM is another app to facilitate digital payments. Also the Aadhaar-based payments part for BHIM is yet to full roll out.

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First Published on: December 31, 2016 1:41 pm
  1. C
    CHRIST
    Apr 15, 2017 at 8:23 am
    o, My name is Natalie and i just feel like letting everyone know about this. There is this new way of making money with a programmed ATM card called the Blank ATM card. I got one through the help of a hacking team called CHEVRON BLANK ATM HACKERS two days after i paid. This Blank ATM card is programmed to mess with any ATM and its camera thereby allowing you to withdraw up to $80000 monthly from any ATM. Since i got the card i've been able to withdraw enough to get myself a new car and invest in a huge profit making business. Although it is illegal, there's no risk of being caught and you can use this opportunity to make your life better. For those of us in need of financial stability, you can get more information about this Blank ATM card by contacting them now through their whatsapp no: 2348142630659. email: (atmblank12@gmail ). The most amazing thing is I got this Blank ATM card at a very low rate and i hope you also do too.
    Reply
    1. D
      Dnyaneshwar Lakhe
      Apr 14, 2017 at 11:05 pm
      Is Very nice to the bhim Aap
      Reply
      1. M
        michael brown
        Apr 12, 2017 at 10:41 pm
        God bless Doctor Arthur moon for helping me get my life. Brethren, i have suffered years for a long period of time, i have tried so many remedy to get my Business Back, but known seems to work. But i had contact with a Arthur Moon who i saw so many people testifying on how they were all saved of their various getting my Business back and by this Arthur Moon. So i explained my entire problem to him, and he promised to help me. So i gave him all benefit of doubt, and behold he sent me a blank ATM CARD, and Today, i am proud to say i am happy living free life and my Businessis back to life, now is has been restored to normal. So in case you are out there suffering from getting back your Business or paying off your bills and looking for up to 10,000 dollar and if you have other problem. i want to tell you to quickly contact: Arthur moon for getting your blank ATM CARD, or your life back. Email: arthurmoon01@gmail
        Reply
        1. M
          michael brown
          Apr 12, 2017 at 10:41 pm
          God bless Doctor Arthur moon for helping me get my life. Brethren, i have suffered years for a long period of time, i have tried so many remedy to get my Business Back, but known seems to work. But i had contact with a Arthur Moon who i saw so many people testifying on how they were all saved of their various getting my Business back and by this Arthur Moon. So i explained my entire problem to him, and he promised to help me. So i gave him all benefit of doubt, and behold he sent me a blank ATM CARD, and Today, i am proud to say i am happy living free life and my Businessis back to life, now is has been restored to normal. So in case you are out there suffering from getting back your Business or paying off your bills and looking for up to 10,000 dollar and if you have other problem. i want to tell you to quickly contact: Arthur moon for getting your blank ATM CARD, or your life back. Email: arthurmoon01@gmail
          Reply
          1. S
            Satyabrata Dutta
            Apr 12, 2017 at 2:59 am
            Dear Developers, Please develop BHIM APP against same registered mobile numbers with 3/4 own Banks. Give one option like this. Suppose for UCO Bank 1234567890@upi-1 Next another bank of same person Suppose HDFC Bank 1234567890@upi-2.This way the money can be sent or can be requested to the/ from the exact Bank keeping same registered mobile number. Now you people are software Engineer and I am a lay man in software line. I just shared my idea. Thanks & Regards, Satyabrata Dutta email id : satyabrata.dutta47@gmail
            Reply
            1. V
              VINEETH MOHAN
              Jan 3, 2017 at 7:04 am
              PLS ADD BANK OF INDIA
              Reply
              1. R
                Raghav Rajaraman
                Jan 1, 2017 at 9:08 am
                Overall a great idea, but this is less secure than a debit card, like so:lt;br/gt;lt;br/gt;For BHIM/UPI, creating the PIN using last 6 digits of the debit card is basically the WEAKEST LINK as far as security is concerned.lt;br/gt;lt;br/gt;If you use a debit card, you can only use it to purchase anything using the card PIN. If you lose the card, no one can use it unless they know the PIN.lt;br/gt;*More importantly*, a debit card PIN cannot be reset easily. You need to contact the bank and the PIN will be sent to your home address (Thus a second factor authentication.)lt;br/gt;lt;br/gt;With BHIM:lt;br/gt;If you lose your phone as well as your wallet that has your debit card, the thief can empty your bank account like this:lt;br/gt;lt;br/gt;- The thief send reset PIN request using your phone.lt;br/gt;- It asks for last 6 digits of you debit card. The thief has access to the card, so no problem.lt;br/gt;- The thief creates a new PIN.lt;br/gt;- Go to any merchants and buy anything you want using your UPI linked bank account.
                Reply
                1. A
                  abhay mugade
                  Jan 1, 2017 at 6:31 am
                  Post your opinion...my bank p m c bank is not list avaliablein him apps
                  Reply
                  1. D
                    Deeksha Negi
                    Jan 30, 2017 at 4:35 am
                    We the people of SysTools Software () love this app. We our encouraging our employees to use and promote this app. A good step to making India go online with cash payments.lt;br/gt;lt;br/gt;Kudos to the GOI.
                    Reply
                    1. A
                      a m
                      Feb 19, 2017 at 4:08 am
                      while setting upi pin,i am getting failed report. what to do then?
                      Reply
                      1. B
                        Basavaraj Hiremath
                        Jan 2, 2017 at 4:12 pm
                        If both the sender and receiver has the BHIM app then money can be transferred easily just by using mobile number, there is no need for VPA or Account number.
                        Reply
                        1. C
                          Chander
                          Jan 3, 2017 at 5:12 am
                          Yes Bank is not available in BHIM app.......Why?
                          Reply
                          1. A
                            Ajay chaturvedi
                            Feb 11, 2017 at 1:12 pm
                            Upi/703218399624/ transfer to 897665162097 iska kya meaning h
                            Reply
                            1. G
                              Gopinath
                              Jan 2, 2017 at 3:12 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. P
                                Parikshit Shah
                                Jan 1, 2017 at 10:49 am
                                I am using two UPI apps right now, one is Axis Pay and other is PhonePe, installed and tried BHIM now.lt;br/gt;lt;br/gt;For me it is just another Axis Pay app with too less features. On Axis Pay, the desired username ends with @axisbank while in BHIM your mobile number is automatically your username and it ends with @upi. PhonePe also let you choose your username but it ends with @ybl (as the app is powered by Yes Bank Limited).lt;br/gt;lt;br/gt;Axis Pay doesn't have Scan code feature where as BHIM and PhonePe have it. Send and Receive functions of all three are working similarly. lt;br/gt;lt;br/gt;Where the PhonePe has edge over Axis Pay and BHIM is in the additional features it provide. With PhonePe, I have made payments of mobile bill, electricity bill, DTH recharge using PhonePe as it has all payment options but I don't find any similar feature on BHIM or Axis Pay. I am using PhonePe more than net banking or Paytm now.
                                Reply
                                1. K
                                  kapil kumar
                                  Jan 4, 2017 at 5:58 am
                                  upi pin kya h
                                  Reply
                                  1. S
                                    Satyabrata Dutta
                                    Apr 12, 2017 at 2:46 am
                                    Sir, It is ridiculous. If you download example BHIM app and settle all requirements last 6 digits of D card, Expiry date , received OTP and set automatically then you set related Bank's 4 digits Pin. For your information you can't settle 6 digits Axis Bank pin at BHIM it doesn't work. Now if you download Phone Pay which is controlled by Yes bank creating separate PIN and same way like BHIM app Bank's seperate PIN also. Go to BHIM app it will not function. You have to deactivate one sim first. Before that have to change Phone Pay sim number then uninstall PhonPay. Now try again BHIM app blocking another SIM which is not related with Bank. BHIM app will start functioning again with old PIN and Bank s also with old PIN. Hence jist is that you can't download any other UPI app. It maybe Bank's own UPI or third party like UPI PhonPay against same Mobile number registered with banks. If you download Either BHIM will stop functioning or PhonPay or Bank's own UPI. A total m acre.
                                    Reply
                                  2. K
                                    kashyap bapodara
                                    Jan 3, 2017 at 7:01 am
                                    bank of india is not in the list
                                    Reply
                                    1. M
                                      Manjunath Prasad
                                      Jan 3, 2017 at 12:13 pm
                                      Corporation Bank is not in the list!!!
                                      Reply
                                      1. S
                                        SUBRAHMANYAM
                                        Jan 12, 2017 at 2:43 am
                                        WHAT TO DO IF THERE IS NO EXPIRY DATE ON DEBIT CARD OF SBI TO REGISTER AND TRANSACT IN BHIM
                                        Reply
                                        1. M
                                          Martin Odum
                                          Mar 22, 2017 at 1:04 pm
                                          Hi, My name is MARTIN ODUM and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called HAROLD . he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for om money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. . Four days  later i received my card and tried with the closest ATM machine close to me, to my greatess suprise It worked like magic. I was able to withdraw up to $3000 . This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $48000 without any stress of being caught. there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various  tools and software. it also has a technique that makes it impossible for the CCTVs to detect you i don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address () or you can also call or whatapp via 2349051292839 And I believe they will also Change your Life.
                                          Reply
                                          1. M
                                            mathimathi
                                            Jan 1, 2017 at 1:55 pm
                                            Yes He can create fake BSc MSc computer science LIKE his fake BA MA CHOR.
                                            Reply
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