Everything you need to know about “BHIM” App


The Indian Prime Minister Narendra Modi has launched a new app for doing digital transactions. Dubbed as BHIM or Bharat Interface for Money, this app has been named after Dr. BR Ambedkar. The app will play an important role in pushing digital transactions. The best part about this app is that it will work on both feature phones and smartphones. On smartphones, you have to download it from Google Play Store. For feature phones, you have to dial *99#. The iOS version of the app will be available soon.

Understanding BHIM

The app allows you to send money directly from UPI system. If the merchant has the BHIM app, you can send money to his account instantly. The app also provides a QR code just like other payment apps. You can scan the code instead of asking for UPI ID or phone number. In case you do not have a smartphone, just dial the *99# and proceed with the process.

How to use it?

Once you download the app, you need to connect it to the bank account and generate a UPI PIN. Your mobile number will become your payment ID, and you can start transactions instantly. You can use the app to send money, receive money, check balance or scan a QR code. You can also send money to non-UPI banks via IFSC code just like normal net banking.

How will it work on a feature phone?

The process is fairly simple. You need to dial *99# and then press 1. Again press 1 and add the mobile number. Press okay and then it will ask for the amount. Enter the amount and send the money. The USSD system will ask for UPI PIN which you have generated via BHIM app. You do not need an internet connection for this method.

ALSO READ:   TRAI Extended Deadline to March 25 For Net Neutrality Comments

What are the transaction limits?

As of now, the service has a transaction limit of Rs.10000/- per transaction and Rs.20000/- in 24 hours.

Are all banks do transactions via BHIM app?

Unfortunately, not all banks are connected to the UPI system, but you can send money by using IFSC code as well.

Which banks support UPI?

The following list of the banks supports UPI at the moment. The remaining banks will soon join the payment system.

  • Allahabad Bank
  • Andhra Bank
  • Axis Bank
  • BoB (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.

How is it better than other eWallet apps?

First of all, it is an official app by the government. Secondly, you do not have to load the wallet before making any payment. There are no transaction charges which are one of the main reasons people are staying away from digital transactions. The money will move from one bank account to another without any intermediate third party. The app is secure and uses a PIN which reduces chances of fraud. As most of the banks are already associated with UPI payment system, the app will not require any additional setup like PoS machines. Overall, using BHIM app is much better than any other app available in the market.

Amit Shinde


Amit Shinde

I am a simple person trying to go beyond my boundaries. Technology is my passion, and I like to play with gadgets to find the new technologies. I need the internet in every step of my life, and without the internet, I feel like it's a waste of my life.

Up Next

Discussion about this post