BHIM - Bharat Interface for Money

BHIM is a flagship app for Unified Payments Interface (UPI) developed by NPCI. It demonstrates all capabilities of UPI.

Languages supported: English, Hindi, Tamil, Telugu, Bengali, Malayalam, Oriya, Gujarati, Kannada, Marathi, Punjabi, and Assamese


  • Step 1: Download and Install BHIM app from Google Play store/Apple App Store.
  • BHIM is currently only available for Android and iOS users.
  • Step 2: Select your preferred language from the list.
  • Step 3: Select phone number which is registered with your respective bank.
  • Step 4: Set the application passcode required to enter the app.
  • Step 5: Link your bank accounts using bank account option.
  • Step 6: Set your UPI PIN by providing last 6 digits of debit card and expiry date of debit card.
  • Step 7 (Optional): Create another virtual payment address (VPA) in the profile section. Automatically mobilenumber@upi will be your default virtual payment address (VPA) (eg. 9876543210@upi) Note: 2 virtual payment address (VPA)s are allowed per user 1. mobilenumber@upi and 2. name@upi)
  • Step 8: Set one virtual payment address (VPA) as a primary (default) virtual payment address (VPA) (Eg. name@upi can be primary virtual payment address (VPA) making it easy to share with others).
  • Step 9: Click on send and enter the virtual payment address (VPA)/Account number+ IFSC/Aadhaar number and Scan or Pay option of the person to whom you want to send money.
  • Step 10: Enter the UPI Pin you set earlier to authenticate the transaction.
  • Step 11: Check transaction history to see the status of the transaction.
  • Useful videos

    Install BHIM
    Get Started
    Send money using BHIM
    Request Money in BHIM
    How to Scan & Pay through QR code?

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