Send Payment through BHIM - An Aadhaar based Mobile App

We've new app for making day to day payments which is launched by honorable Prime Minister Shri Narendra Modi called as  BHIM (Bharat Interface for Money) Aaadhaar based mobile payment app on 30th Dec, 2016. The name of this app is based on Babasaheb Ambedkar. You can download this app from Google Play Store.  Let’s take a look at features of this app and how to use it.

With the current scenario where government is pushing public to less cash economy BHIM app will enable fast, secure and reliable cashless transaction through a mobile app. BHIM is developed by NPCI (National Payment Corporation of India).

BHIM Aadhaar Based Mobile App Key Features

  • Send and Receive Money to anyone

  • Check Account balance on the move

  • QR Code scanning facility

  • Support of Multiple banks

  • Customization of Payment address

  • Hindi and English language Support

How to use BHIM?

First, you have to download the app from google play store and install it on your mobile app. Following is the step by how to exclusively for you

  • One mobile app is installed open the app. It will ask you for language selection – Hindi/English

  • On selection of language BHIM app will ask access to SMS.

  • The next is permission for accessing and managing phone calls.

  • Once above permission is given application will ask you to select your SIM. (Only for dual-SIM mobile).

  • Your SIM will be verified by sending SMS.

  • After verification, it will ask you 4 digit register Passcode.

  • After Passcode you will be prompted with a list of banks.

  • On selection of a bank, the app will fetch your details based on registered mobile number.

  • If you have multiple accounts registered with same mobile number app will throw an error.

  • Once app fetches your detail it will ask you to input account number.

  • Once you input your account number application will open an option for transferring money.

  • The screen will display three options Send, Request, Scan & Pay.

  • You can make payment to mobile number or an UPI address. Default address is mobile-number@upi

simplerupee - maximise potential of your rupee

Benefits of using BHIM Mobile App

  • This mobile app is easier than Wallets. You will not have to fill out those tedious bank account details again and again.

  • There are no charges for making the transaction through Bharat Interface for Money.

  • All banks, which are live on UPI can be used with BHIM mobile app.

  • All transaction is secured as it is happing via Unified Payment Interface.

  • This app is backed by government of India and money is getting transferred from bank account to bank account without any intermediator.

Limitation of BHIM Mobile App

  • This mobile app does not give any cashback offer as of now like Paytm or MobiKwiks.

  • The maximum transaction limit is Rs.10000 per transaction.

  • BHIM app is free. However, a bank may impose some additional charges for UPI.

The unique part of this app is simplicity and security.

What is your view about BHIM app?

Do share your experience in the comment section.


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