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BHIM App Launched, What It Is, How It Works, and Everything Else You Need to Know

Indian Business Blog featuring on Business, Technology and Education
Written by Harshad Patankar
Prime Minister Narendra Modi on Friday launched an Aadhaar-based mobile payment application at Digi Dhan Mela here to promote and make digital transactions easier.

The app is called BHIM (Bharat Interface for Money) which is  a re-branded version of UPI (Unified Payment Interface) and USSD (Unstructured Supplementary Service Data). This app will be available as a single platform for all banks

Indian Business Blog featuring on Business, Technology and Education

Speaking on the occasion, Modi said BHIM app was very simple to use and a thumb impression was enough to operate it.

“Be it a smartphone or feature phone of Rs 1,000-1,200, BHIM app can be used. There is no need to have Internet connectivity. One only needs a thumb. There was a time when an illiterate was called ‘angutha chchap’. Now, time has changed. Your thumb is your bank now. It has become your identity now.”
Modi said that ‘Lucky Grahak Yojana‘ and ‘DigiDhan Vyapar Yojana‘ were a Chrismas gift to the nation.

Over 100 days, several prizes of Rs 1,000 will be given to people through lucky draws. The mega draw will be held on April 14, the birth anniversary of Babasaheb Bhimrao Ambedkar.

What is BHIM app?

With the BHIM app, anyone can send or request money through the app to make a digital payment. The app is linked to your bank account, so you don’t have to load money in it unlike a wallet, and a merchant does not have to worry about transferring the money back to their bank account.

How can I get it on my phone?

If you are holding a Android phone then you can download the BHIM app either by the National Payments Corporation of India (NPCI) on Google Play to start using the free Android app.
But if are holding an iPhone then you need to wait a while for using this services .

How do I use it?

After you download the BHIM app, you’ll have to register your bank account through the app, and set a UPI PIN. Your mobile number is your payment address, and you can start transacting. Through the app, you can send or receive money to a phone number, check balance, or scan a QR code to make a payment without sharing a phone number.
Money can also be sent to non-UPI banks through IFSC, like you do with normal net banking.

Does it work on feature phones?

Apart from an app, the interface can be accessed using USSD (Unstructured Supplementary Service Data) from feature phones – you will need to dial *99# to access it. With this method, an Internet connection will not be required.
Indian Business Blog featuring on Business, Technology and Education

Which banks support this?

All the major apps are supported by the BHIM app – as long as the bank supports UPI, you will be able to access your money through the BHIM app. Currently 32 banks are supported for this service The list of supported banks is:
  1. Allahabad Bank
  2. Andhra Bank
  3. Axis Bank
  4. Bank of Baroda
  5. Bank of India
  6. Bank of Maharashtra
  7. Canara Bank
  8. Catholic Syrian Bank
  9. Central Bank of India
  10. DCB Bank
  11. Dena Bank
  12. Federal Bank
  13. HDFC Bank
  14. ICICI Bank
  15. IDBI Bank
  16. IDFC Bank
  17. Indian Bank
  18. Indian Overseas Bank
  19. IndusInd Bank
  20. Karnataka Bank
  21. Karur Vysya Bank
  22. Kotak Mahindra Bank
  23. Oriental Bank of Commerce
  24. Punjab National Bank
  25. RBL Bank
  26. South Indian Bank
  27. Standard Chartered Bank
  28. State Bank of India
  29. Syndicate Bank
  30. Union Bank of India
  31. United Bank of India
  32. Vijaya Bank.
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Are there transaction limits?

There is a maximum of Rs. 10,000 per transaction permitted, and Rs. 20,000 within 24 hours.

About the author

Harshad Patankar

My name is Harshad Patankar and I am the chief blogger at BumbleBeeHub Blog and where I like to share my internet/tech experience along with some fascinating updates around the Business, Technology, Education and Government sectos with my online readers on this website. You can read more about me at my About Page. You can follow me on Twitter, Facebook & Google