Official
BHIM
NPCI’s own UPI app. Small share, useful as the plain government interface. Cashfree describes UPI Lite, Family Mode and bill pay.
Install and signup
How to start using BHIM
Use the checked provider route above, not an APK sent over chat. The ordinary bank-account UPI setup takes four steps.
- Open the official install or signup link and verify the app developer.
- Register with the mobile number linked to your bank account.
- Select the bank, allow the verification SMS, and choose the account.
- Create or confirm the UPI PIN. Never enter the PIN to receive money.
The questions
What BHIM can keep in one transaction trail.
Yes means that payment is supported. The goal is to keep most UPI payments easy to check later: status, reference ID, reversal and dispute path. Cashback is shown only as context.
| Payment | Supported | Reward note |
|---|---|---|
| Paying a shop | Yes | — |
| Mobile recharge | Not checked | — |
| Credit card bill | Not checked | — |
| Utility bills | Yes | — |
| FASTag | Not checked | — |
| Sending money to a person | Yes | — |
| RuPay credit card on UPI | Not checked | — |
Quoted from the source
BHIM is the official UPI app launched by NPCI in 2016.
cashfree.comBHIM comes with support for 20+ Indian languages, a Family Mode, Spend Insights. UPI Lite is also available.
cashfree.com
Questions people ask
BHIM FAQs
What is BHIM?
NPCI’s own UPI app. Small share, useful as the plain government interface. Cashfree describes UPI Lite, Family Mode and bill pay.
Is BHIM an NPCI-listed UPI app?
BHIM is the official BHIM UPI app. The linked source should still be checked before installation.
How do I install and sign up for BHIM?
Open the official install or signup link on this page, verify the developer name, register with the mobile number linked to your bank, select the bank account, and create or confirm the UPI PIN. Never enter a UPI PIN merely to receive money.
Does BHIM need a bank account?
Ordinary UPI registration normally needs an Indian bank account and the mobile number registered with that bank. This catalogue has not verified a bank-free route for BHIM.
Which banks and UPI handles does BHIM use?
The current record does not name a PSP bank or UPI handle for BHIM. Do not infer one from an old screenshot; confirm it inside the live app.
Does BHIM give cashback or rewards?
No stable cashback rate is verified for BHIM. Any scratch card, coupon, coin or campaign shown in the app can change and should not be treated as a guaranteed return on every UPI payment. Pick BHIM only if it is convenient for the payments you actually make.
Does BHIM charge for UPI payments?
No app-use fee is verified in this record. Ordinary bank-account UPI payments are usually free to the customer, but card bills, wallet loading, credit products and other services can have separate fees. Check the confirmation screen before paying.
What is the daily UPI limit on BHIM?
There is no single verified BHIM limit in this record. The effective limit can depend on your bank, transaction type, beneficiary cooling period and the app's risk controls. Your bank and the live payment screen are the final sources.
Should I use BHIM only for rewards?
No. Use BHIM if it makes everyday UPI easier to check later: merchant payments, transfers, bills, recharges, bookings, transaction history, UPI reference IDs, reversals and support. UPI rewards are usually temporary and capped. For rewards and cashback, credit cards are normally the better product.
Is BHIM safe?
BHIM should be installed only from the official link or a verified app-store listing. Check the developer, never share an OTP or UPI PIN, and remember that a UPI PIN authorises money leaving your account—it is not needed to receive money.
What should I do if a BHIM payment fails but money is deducted?
Do not pay again immediately. Open the transaction, save the UPI reference, amount and time, check the bank account for a reversal, and raise a complaint inside BHIM if it does not reverse within the stated period. You can also use NPCI's official UPI Help service.