All Days Except National Holidays(08:00 AM To 08:00 PM)
BHIM is a UPI based payment interface which allows real time
fund transfer using a single identity like your mobile number or name.
BHIM is not a wallet. It is a payments application which
allows users to make instant bank transfers.
The easiest way to
think of UPI is that it is a payment method to transfer money between 2
parties. It is similar to NEFT or RTGS transfers in that way.
Currently it is available in 13 languages, i.e., Hindi,
English, Tamil, Telugu, Malayalam, Bengali, Odia, Kannada, Punjabi, Assamese, Urdu,
Marathi and Gujarati.
A Virtual Payment Address (VPA) is a unique identifier which
you can use to send and receive money on UPI. Think of it as an email ID which
you can use to transfer money.
You can use BHIM outside India to send and collect money for
your local accounts. Please note that NRI/NRE accounts cannot be used for the
NPCI does not charge any user for transacting on BHIM.
Kindly get in touch with your bank to ask for their charges.
Dial *99# to avail features of BHIM without internet on any
BHIM is interconnected with every bank through the UPI
ecosystem. Hence, you will not be able to link your account on BHIM
Any user having a smartphone and bank account is eligible to
use BHIM. That being said, you need your mobile number registered with the bank
and a debit card linked to that account. You can download the app from
playstore or appstore.
After installing and running the app for the first time:
On successful registration, a default ID i.e mobilenumber@upi
will be created. You can add one more VPA by going in the profile section.
A UPI ID is a unique identifier which you can use to send
and receive money on UPI. Think of it as an email ID which you can use to
Device binding failure occurs due to the following reasons:
UPI PIN is a four or six digit number that is set by the
customers on BHIM after the registration process. UPI PIN is used for
authenticating all transactions done on UPI platform (BHIM or *99# or UPI apps)
Once your mobile is verified, you will have to select your
bank account and set your UPI pin.
Your bank is not registered with UPI, hence it is not on the
list. Our team is working towards getting all banks on UPI.
Your bank does not permit your account type to be listed on
UPI. Kindly try another account.
After you select your bank account, you will be promoted to
set your UPI pin for the first time. You need to input the last 6 digits of
your debit card along with the expiry date.
If you are a SBI Maestro card user, you can enter the expiry
date as 01/49.
While setting the UPI pin there a SYNC option at the bottom
of the transaction screen. If you click that, the pin you have set on the other
app will be set on BHIM.
Due to some technical reason, your UPI pin cannot be set.
Kindly click here (page should redirect to Contact Us>>Issue with UPI
pin) and provide details.
When you enter a VPA and click on verify, the account holder’s
name (as mentioned in the bank’s system) will be displayed. This is for you to
cross check if the sender and the bank account to which you want to send money
are the same. Incase they appear different, please re confirm the VPA of the
receiver. Money once sent through BHIM cannot be reversed.
A user can send upto Rs 10,000 per transaction and a maximum
of Rs 20,000 per day for one bank account.
This limit is available per bank account linked on BHIM.
The default VPA is mymobileno@upi .You can change by going
to the “My profile” section and selecting among the available VPAs.
BHIM allows you to use two VPA’s. First one is the default
VPA (mobile number@upi). The second one, you can create on “My Profile” page.
The account which you have selected will be displayed on the
top left with the bank’s icon. That will be your default bank. You can change
the bank account by going to “Bank Accounts” and clicking on the three dots
menu option to change the bank.
Let’s say you have two accounts i.e SBI and ICICI. You want
to transfer money from SBI to ICICI. You will select SBI as your default
account linked to your VPA. To transfer money, click on send and then select
the option to transfer money via Account Number + IFSC. Insert the details of
your ICICI account and you will be able to transact.
The Aadhaar number should be linked to his Beneficiary’s
account number and the bank should be enabled on UPI.
If someone links their Aadhaar number in two bank accounts
and in the event you send them money via BHIM, the money gets credited to the
account where the Aadhaar number was linked the latest (chronological order).
Yes, you can save details. While sending money to a
particular receiver you have to click on the option “Save for Future”
Scan & pay option is present in the Home page where you
can click and the QR scanner opens up. Using this you can scan the QR code of
the receiver and send him money.
You can also use scan and pay on your passcode screen.
You can also upload a QR saved on your phone as an image.
Once you register on BHIM, a QR code and default VPA is
created. You can check these details on the “My Profile” section of BHIM.
On BHIM, you can initiate a collect transaction for asking
money from someone. You have to enter the amount and UPI ID. The user who will
receive the request can pay or decline the collect request by authenticating it
with the UPI pin.
You can click on transactions menu and under the pending
section, collect request made towards you will be displayed. You can approve or
decline the same.
There is a limit of Rs 10,000 per collect request on BHIM.
Split bill allows you divide a bill between yourself and
other users (BHIM and UPI). Let’s say you and your friends have used a product/service
amounting to Rs 1,000. Using split bill feature, you can enter the total amount
and that will get automatically split between the users (after entering their
VPA).A collect request will be initiated and the payers need to approve the
You can do so by clicking on spam for the request and also
by clicking the particular sender so that he can no longer send unwanted
Pending transactions can be viewed in the transaction
section of BHIM. The requests will be valid till the time the initiator has
kept. If the request is not accepted within that set time, the request expires.
Bill payments can be made for the following categories:
Electricity, Gas, Water, DTH and Telecom, Mobile post-paid
BHIM bill pay is only available for banks which are enabled
on Bharat Bill Pay. If your bank account is not live, you will not see the
option for Bill Pay. Kindly switch to another bank account which is enabled on
Bharat Bill Pay.
Yes, you can check the amount before paying the bill. Please
note that all billers will not display the amount due for bill payment.
Yes. User will get online confirmation for Bill Payment.
Please note user can also check the status of their transaction under Bill pay
of Transaction section of BHIM.
Bill payments are subject to existing limit of BHIM i.e Rs
10,000/transaction & Rs 20,000/day per bank account.
You can contact your bank in Call Bank option on BHIM, in
the failed transaction.
Yes you can save multiple biller per category. You can also
save multiple customer Identifier for same Biller.
My Beneficiaries is a feature added which helps users to
organize their payer contacts. It contains the list of payers to whom a
transaction was initiated.
All bill payments will by default be added to “My beneficiaries”.
If you wish to modify/change the details, please delete the beneficiary.
When performing a transaction, click the button “Save for
future” to save the contact. You can view the same in your added beneficiary.
When you click on any contact in my beneficiary, it gets
highlighted with two options i.e. “Send Money” and “Delete”. Click on delete to
remove the beneficiary from the list.
Click on the three dots on the top right of the My
Beneficiary page and go to blocked contacts. Click on the contact and select
the option to unblock the same.
Create custom QR with a specific amount for