BHIM UPI

About BHIM UPI BHIM (Bharat Interface for Money) is India's government-backed, real-time UPI payment app developed by NPCI BHIM Services Limited (NBSL), a wholly-owned subsidiary of the National Payments Corporation of India (NPCI).

Launched on December 30, 2016, by Prime Minister Narendra Modi, BHIM operates on the Unified Payments Interface (UPI) built over Immediate Payment Service (IMPS) infrastructure, enabling instant interbank fund transfers 24x7x365 across 170+ member banks.

BHIM 3.0 introduces UPI Circle delegation, Split Expenses, Spends Analytics, Family Mode, UPI Lite Auto Top-Up, Forex Payments, and Rewards — transforming it from a basic transfer tool into a comprehensive financial management platform.

As the only NPCI-native UPI app, BHIM eliminates third-party intermediaries, ensuring direct bank-to-bank settlement with zero transaction fees for peer-to-peer payments, RBI-mandated two-factor authentication, and biometric authorization for transactions up to ₹5,000.

BHIM processed 165.1 million transactions in December 2025 alone — a fourfold growth from January 2025 — establishing itself as India's fastest-growing government-issued digital payments platform.

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