Founded
2016
Users
50M+ downloads
Total Funding
₹300 Crore (~$36M)
Employees
201-500
🏢 Company Overview
Headquarters
Mumbai, India
CEO
Lalitha Nataraj
Funding Stage
Bootstrapped
Total Funding
₹300 Crore (~$36M)
Users
50M+ downloads
Pricing
Free
Rating
★ 3.8
AML Compliant
PCI DSS
Payment License
No (bank-level deposit insurance via DICGC up to ₹5,00,000 applies to linked bank accounts)
ℹ️ About BHIM
BHIM is India's official UPI payment app by NPCI enabling instant, zero-fee bank-to-bank transfers via mobile.
⚡ Key Features
Instant bank-to-bank UPI transfers
UPI Lite PIN-less micro-payments support
RuPay credit card on UPI integration
UPI Circle delegated payment authorization
Bharat BillPay integrated utility bill payments
QR code and Aadhaar-based authentication
💪 Strengths & Weaknesses
4 Pros
3 Cons
💪
Strengths
What it does well
Zero transaction fees nationwide
Government-backed sovereign platform
Open-source licensed code model
Supports 170+ member banks
⚠️
Weaknesses
Areas to improve
Limited international merchant acceptance
Sub-1% domestic UPI market share
Occasional app stability issues
💬 User Reviews
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BHIM
3.8 ★