Wondering what the BHIM App is and why you should care? Here's what you need to know!


Prime Minister Narendra Modi launched the BHIM (Bharat Interface for Money) App, popularly known as the Modi App, on 30 December 2016. The main aim was to facilitate easy cashless payments post demonetisation. Here are some things about this UPI app that you should know.

Q1. What is BHIM?
 A1. The BHIM app is an aggregator of UPI (United Payments Interface) services across various banks, developed by the National Payments Corporation of India (NPCI)

Q2. What does BHIM do?
 A2. This UPI app enables a range of cashless transactions across any two bank accounts, via a smartphone. These can be conducted either online via the internet, or offline via Unstructured Supplementary Service Data (USSD) – the same GSM technology used to transmit text messages.

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Q3. What is needed to operate BHIM?
 A3. You will need a smartphone, your mobile number registered to your bank account, a Visa, Maestro or RuPay debit card, and the BHIM App (available for Android phones and iPhones).

Q4. For what can BHIM be used?
 A4. This UPI app can be used for different kinds of transactions.

Consumers can

  • Send money to friends and family at no cost
  • Scan and pay for purchases, using QR code at shops
  • Shop or pay online by clicking on “Pay by UPI”
  • Check account balance and transaction history

Merchants can

  • Receive payments directly and seamlessly into their bank accounts, at no cost
  • Download QR code and display it to enable payments by customers

Q5. What are the hidden costs?
 A5. None. This is especially attractive for small merchants, whose bottom-lines are adversely affected by the 1% to 2% transactions fees levied by other modes of payments.

Q6. So, how do I start?
 A6. Setting up and using this UPI app is extremely easy.

  • Download the BHIM app from the App/ Play store and open the app
  • Select your desired language, verify your mobile number via an SMS sent by NPCI
  • Once your number is verified, select your choice of bank
  • You will receive an alert to set up your UPI Pin (MPIN)
  • Enter the last 6 digits and expiry month/ year of the debit card for the bank account selected by you
  • Set up desired 6-digit MPIN

Your profile page will look like this:

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Q7. How to start transacting using BHIM App?
A7. This UPI app identifies you as a consumer or merchant by either your OR code or your payment address, as per the sample shown above.
To pay a merchant or person who has a QR code displayed, physically on their counter, or on their phone, just click the ‘Scan and Pay’ option, scan the code, enter the amount, and your MPIN to confirm the transfer. That’s it.


  • Or, you can enter their payment address, the amount, confirm with your MPIN and make the transfer
  • If their UPI address is not known to you, but you have their bank account details. Then choose the option for the same from the menu – “Account No. + IFSC”
  1. Make the transfer by entering their account number, IFSC, the desired amount
  2. Confirm with your MPIN and send

You can also request money like so:

Q8. What if you don’t have a smartphone?
 A8. No need to worry, this UPI app works for everyone.

  • Open your call option, dial *99#
  • Select language, enter the first four digits of your desired bank name/bank short code or IFSC code, press ‘Reply’
  • Select the desired account (applicable if more than one account is held in the same bank against your mobile number)
  • Enter [last 6 digits of debit card] SPACE [MM/YY expiry date], press ‘Reply’
  • Enter and confirm desired UPI Pin/MPIN
  • Once you have registered, any time you dial *99# and press ‘call’, you will be taken to the BHIM landing page for non-smartphones, pictured below:

  • All transactions listed can be carried out by sending and replying to the instruction SMS.

Q9. But anyone can open the app and use it on my phone, right?
 A9. Wrong. This UPI app auto-exits after 90 seconds of inactivity to ensure that such a thing does not happen.

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Q10. What happens if I switch handsets or mobile operators?
 A10. Nothing. As long as your mobile number is the same, BHIM does not get affected by handset changes or number porting to a different operator.

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