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SPECIFICTION
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BHIM

npci.org.in

Free plan iOSAndroid
Visit npci.org.in
Spec score 8.2 #10 of 24 in Peer-to-Peer Payment Apps

What it is

BHIM is a free UPI payment app for Android and iOS that sends money directly between bank accounts and handles payment requests. Users can pay with a UPI ID, a UPI-registered mobile number, or an account number and IFSC code, and can link up to five bank accounts. BHIM describes the service as available 24x7. Its FAQ states a limit of Rs 40,000 per transaction and Rs 40,000 per day for each linked account; new users have a Rs 5,000 limit during their first 24 hours. Bill Pay supports electricity, gas, DTH, telecom, loan EMI, insurance, water, FASTag, cable TV, and education bills when the bank is enabled on Bharat Bill Pay. Merchants can add up to three collection agents with individual QR codes. A UPI PIN authenticates transactions. The privacy policy says BHIM may collect phone, financial, transaction, device, SIM, IP address, and location information, while not storing contacts when access is granted. Completed transactions cannot be reversed unless the recipient refunds them.

Spec sheet

What it does
BHIM is a UPI payment app for direct bank payments and money requests using a UPI ID or QR code.Read 30 Sep 2026 · bhimupi.org.in
Intended users
The site says BHIM can be used by people with a bank account, a mobile number registered with the bank and a linked debit card.Read 30 Sep 2026 · bhimupi.org.in
Platforms
BHIM’s FAQ lists iOS 9.0 and above and Android 5.0 and above as supported.Read 30 Sep 2026 · bhimupi.org.in
Free plan
YesRead 20 Sep 2026 · npci.org.in
Security
BHIM’s FAQ says the UPI PIN is used to authenticate UPI transactions, and the privacy policy describes safeguards including firewalls, encryption and data leakage prevention technologies.Read 30 Sep 2026 · bhimupi.org.in
Privacy
The privacy policy says BHIM may collect phone, financial and transaction, device, SIM, IP address and location information, and says it does not store users’ contacts when contact access is granted.Read 30 Sep 2026 · bhimupi.org.in
Support
The FAQ lists BHIM’s toll-free support number as 18001201740 for queries or complaints.Read 30 Sep 2026 · bhimupi.org.in
Founded
2016Read 23 Sep 2026 · npci.org.in
Maker
BHIM’s About page says the app was pioneered and developed by NPCI and launched on December 30, 2016.Read 30 Sep 2026 · bhimupi.org.in
Availability
BHIM is described as a 24x7 payment solution.Read 30 Sep 2026 · bhimupi.org.in
Bank accounts
A user can link up to five accounts with their BHIM account.Read 30 Sep 2026 · bhimupi.org.in
Bill payments
BHIM Bill Pay supports electricity, gas, DTH, telecom, loan EMI, insurance, water, FASTag, cable TV and education bills, subject to the bank being enabled on Bharat Bill Pay.Read 30 Sep 2026 · bhimupi.org.in
Merchant collections
Multi Agent Collection lets a merchant add up to three agents who can collect payments using agent-specific QR codes.Read 30 Sep 2026 · bhimupi.org.in
Notable limitation
BHIM says a successfully completed transaction cannot be reversed unless the beneficiary refunds it.Read 30 Sep 2026 · bhimupi.org.in
Payment methods
Users can send money using a UPI ID, a UPI registered mobile number, or an account number and IFSC code.Read 30 Sep 2026 · bhimupi.org.in
Transaction limits
The FAQ states a limit of Rs 40,000 per transaction and Rs 40,000 per day for each linked bank account; new users are limited to Rs 5,000 for their first 24 hours.Read 30 Sep 2026 · bhimupi.org.in

Plans and prices

BHIM Free No charge for transacting on BHIM; bank charges may apply Read 30 Sep 2026 · bhimupi.org.in

Every BHIM plan and price →

Strong points and limits

Strong points

  • Free Android and iOS app
  • Link up to five bank accounts
  • Send and request UPI payments
  • Supports multiple bill-payment categories
  • Multi-agent QR collections for merchants

Limits

  • Rs 40,000 daily limit per linked account
  • New users face a Rs 5,000 first-day limit
  • Completed transactions generally cannot be reversed
  • Bank charges may apply

Who it suits

It suits people with a bank account, a bank-registered mobile number, and a linked debit card who need UPI transfers, requests, or supported bill payments. Merchants can use its multi-agent QR collection feature.

Verdict

BHIM provides core UPI transfers, requests, bill payments, and merchant collections without a BHIM transaction charge. Users should account for transaction limits, possible bank fees, data collection, and the difficulty of reversing completed payments.

Where Specifiction places it

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