How to use BHIM App

This post covers the details of BHIM app which was announced around 2 months ago by Prime Minister Narendra Modi on December 30th, 2016.

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BHIM app, a huge leap towards cashless India was introduced with the aim of providing fast, secure and reliable cashless payments through mobile phones. The name of the app has been borrowed from Dr. Bhimrao Ambedkar who spent his entire life trying to uplift and help the downtrodden. The app has been developed with a vision to not only benefit the young and urban population but also the poor, farmers, small merchants, tribal people and people living in the remotest areas of the country where the latest technology is yet to reach. We’ve also published a related video on YouTube.

List of all the banks supported by BHIM app

Allahabad Bank, Andhra Bank, Axis Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Catholic Syrian Bank, Central Bank of India, DCB Bank, Dena Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank, IDFC Bank, Indian Bank, Indian Overseas Bank, IndusInd Bank, Karnataka Bank, Karur Vysya Bank, Kotak Mahindra Bank, Oriental Bank of Commerce, Punjab National Bank, RBL Bank, South Indian Bank, Standard Chartered Bank, State Bank of India, Syndicate Bank, Union Bank of India, United Bank of India and Vijaya Bank

Technical Details

BHIM is inter-operable with other Unified Payment Interface (UPI) applications and bank accounts and has been developed by the National Payments Corporation of India
Some of the features that make BHIM different from other e-wallets and very easy to use are:
It is Aadhaar enabled. So, a transaction just needs Aadhaar number, bank name, and a thumb impression. It is directly linked to bank accounts. This makes the transaction from BHIM app to other bank accounts possible directly if the other person doesn’t have BHIM app installed.
BHIM app supports almost all leading banks and even if a bank is not supported, money can be transferred through IFSC and MMID codes.
If a person doesn’t have a smartphone, transfers can be made using USSD codes like *99#
Apart from the basic features of sending and receiving money, BHIM app also supports balance inquiry, linking of accounts, saving user profile, changing language and recording beneficiary details. It also supports reversing a transaction, QR codes and custom address for payment.

The transaction limit for a day is Rs 20,000 with a limit of Rs 10,000 per transaction.
BHIM doesn’t charge you for a transaction and the fees charged by the bank for the transfer have not been announced so far.
The app is already available on the Google Play Store.
IOS and Windows Phone version will be launched soon.
In the very own words of PM Modi, “Even if you do five transactions, cashless payments will become a habit and the country will lead in the digital movement”. So, let’s start using BHIM and make the digital payment a habit.


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