PM Naren­dra Modi Launch­es BHIM: Here’s How to Use it


Prime Minister Narendra Modi has launched a mobile app to enable mobile payments called BHIM (Bharat Interface for Money). Using this app user can securely send/receive money from friends, family and other users via registered phone number.


The app was launched by the Prime Minister on Friday in the Digi Dhan Mela in Talkatora Stadium, New Delhi and is a retouched version of earlier apps like UPI (Unified Payment Interface) and USSD (Unstructured Supplementary Service Data).

In an earlier Tweet PM Modi had said, “I will launch a Mobile App which will enable digital payments and transactions. The app will immensely benefit our citizens.”

The app is available for download on Android’s Play Store.

The new app is launched with the view to decreasing the role of Debit/Credit cards and POS machines, which are said to play an essential role in the cashless society that India is moving towards.

How Does the App Work? Features of BHIM

Registering to BHIM: To start off, you’ll have to register your bank account with the BHIM app, set a UPI PIN for the concerned account and set your mobile number, which will also be used as your payment address.

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Sending and Receiving Money: User can send and receive money from other users of the app simply by using the mobile number aka payment address. Payments can also be sent via IFSC and MMID. Users also have the option to collect money by sending a request and reversing payments is also an option.

Checking Balance and Transaction History: Bank balance, as well as the transaction details, can be accessed via the Bank Account option on the homepage.

Set your Custom Payment Address: Apart from your phone number, users can also add custom payment address via Profile option on the home screen.

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Usage of QR Code: QR codes can easily be printed by the merchants to display and accept payments from customers. Users can also send and receive money using QR codes via the Scan & Pay option on the home screen.

Transaction Limit: Within a period of 24 hours, a maximum transaction worth Rs.20,000 can be completed. The limit per transaction is Rs.10,000

Currently, the app only supports Hindi and English, but more languages will be added soon.

A list of all the supported banks by BHIM

Allahabad Bank, Andhra Bank, Axis Bank, 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.

The banks which aren’t supported by BHIM can also receive payments using IFSC code or MMID.

This app might see the end of Mobile Wallets such as Paytm, MobiKwik, Freecharge and the likes if it becomes as popular and also be mean the decline of POS.

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Bike enthusiast, traveller, ManUtd follower, army brat, word-smith; Delhi University, Asian College of Journalism, Cardiff University alumnus; a journalist breathing tech these days.