Is BHIM UPI government Owned? 

Bharat Interface for Money (BHIM) offers fast, stable, dependable medium to make virtual bills via your cell telecellsmartphone the usage of UPI (Unified Payment Interface) platform thru Mobile App and USSD (Unstructured Supplementary Service Data) platform thru *99# service.

BHIM become released via way of means of Hon’ble Prime Minister on thirtieth Dec 2016 and inside 10 days, the BHIM app had 1 crore downloads from Andriod Play Store and over 2 million transactions throughout the UPI (Unified Payment Interface) and USSD (Unstructured Supplementary Service Data) platforms.

BHIM is interoperable with different Unified Payment Interface (UPI) applications, and financial institution accounts. BHIM is evolved via way of means of the National Payment Corporation of India (NPCI), a now no longer-for-earnings corporation for presenting retail charge structures withinside the us of a beneathneath steerage from Reserve Bank of India.

BHIM has been designed for short and stable person on-boarding, sports activities a best-in-magnificence and intuitive person interface and makes virtual transactions seamless. BHIM has been a large boon for traders who can now take delivery of bills without delay into their financial institution accounts.

All users, together with traders, get a geared up to apply VPA (digital charge deal with) and an exclusive, geared up-to-print QR code upon sign-up. Users on Android with net can set up BHIM thru Play Store (

BHIM calls for permission for your Phone Calls & SMS to confirm your telecellsmartphone wide variety. Users with out get entry to to net/statistics offerings, can enjoy BHIM via way of means of dialling *99# on their phones. How does it work? After downloading the app, provide essential permission and confirm cell wide variety related with financial institution account.

Register your financial institution account with BHIM, and set a UPI PIN for the financial institution account the usage of remaining 6 digits of your debit card and expiry date. Your cell wide variety is your charge deal with (PA), and you could sincerely begin transacting. Yes! It is that simple. Send / Receive Money: Send cash to or get hold of cash from friends, own circle of relatives and clients via a cell wide variety or charge deal with.

Money also can be despatched to non UPI supported banks the usage of IFSC and MMID. You also can accumulate cash via way of means of sending a request and opposite bills if required. Check Balance: You can take a look at your financial institution stability and transactions info at the go. Custom Payment Address: You can create a custom charge deal with similarly for your telecellsmartphone wide variety. QR Code: You can test a QR code for quicker access of charge addresses. Merchants can without problems print their QR Code for display.

Transaction Limits: Maximum of Rs. 10,000 in line with transaction and Rs. 20,000 inside 24 hours.

The restriction for USSD has presently been set at ₹5,000 in line with day. Transaction Charges: NIL adjustments from BHIM app or history infra. Bank transaction adjustments on UPI & USSD: Upto 31.03.2017:

For transaction upto ₹1000 : NIL fees

For transaction upto ₹1000 : NEFT fees + offerings tax

Outward NEFT Charges

– For transactions as much as Rs 10,000 : now no longer exceeding Rs 2.50 (+ Service Tax)

Language supported: Hindi and English. More languages coming soon!

Purpose: “The essential cause of BHIM App is to offer uniform enjoy of UPI and additionally to guide the ones banks who’ve now no longer evolved any UPI app for his or her clients as yet”, says NPCI MD & CEO.


1. 1 virtual charge app for all financial institution accounts.

2. Money stays for your financial institution account, so that you earn interest.

3. No fees from the usage of BHIM app infra, minimum UPI fees from banks for making transactions.

4. Simple, stable and light.

5. BHIM framework *99# works with out net. 6. Transaction from ₹ 1/- to ₹ 10,000/- 7. Daily transaction restriction of ₹ 20,000/- For extra information: go to

click here to Generate your UPI Payments links

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