Pune: BHIM Payments App, developed by NPCI BHIM Services Limited (NBSL), combines innovation and simplicity to redefine digital payments in India. It supports 15+ Indian languages including Marathi, making digital payments accessible across urban, rural, and semi-urban users. The app is optimised for low connectivity, ensuring smooth transactions even in weak network areas. Designed for seamless use across all age groups, the app is ad-free, clutter-free interface.
BHIM has steadily scaled in reach and usage, reflecting growing user trust. In June 2025, the app processed 79.58 million transactions worth ₹12,110 crore, a growth of nearly 212% in volume and 46% in value compared to June 2024. It also provides advanced money management tools to track, manage, and split expenses, helping users stay more organised in their financial routines.
NPCI BHIM Services Limited (NBSL) was incorporated in 2024, as a wholly owned subsidiary of the National Payments Corporation of India (NPCI). The new BHIM Payments App introduced in March 2025, represents the third evolution since its launch in 2016 by Prime Minister Narendra Modi.
Ms. Lalitha Nataraj, MD & CEO, NBSL, said, “BHIM Payments App is designed to meet the needs of today’s users in the fast-evolving world of digital payments. Built for Bharat, it prioritises safety, convenience, and inclusion. It reduces cash dependency with seamless small-value transactions, even in low-connectivity areas. The App enhances the user experience while promoting financial empowerment across all sections of society.”
Enhanced Features for Users
· Split Expenses – Users can now split bills with friends and family seamlessly. Whether it’s dining out, rent payments, or group purchases, the BHIM app allows users to divide expenses and make payments directly, ensuring hassle-free settlements.
· Family Mode – Users can now onboard family members, track shared expenses, and assign specific payments. This feature enables better financial planning by giving families a consolidated view of their expenses.
· Spends Analytics – The new dashboard offers an intuitive view of a user’s monthly spending patterns for the spends done on BHIM App. It automatically categorises expenses, helping users analyse and manage their budget without needing complex spreadsheets.
· Action Needed – A built-in task assistant that reminds users of pending bills linked to the BHIM app, prompts them to enable UPI Lite, and alerts them when their Lite balance is low. It ensures users stay on top of their financial activities.
· UPI Circle (Partial delegation for UPI transactions) – Empowers users to extend limited payment rights to trusted individuals. A primary account holder can authorise up to five secondary users to initiate payments from their account. Every transaction initiated by a secondary user requires explicit approval through the primary user’s UPI PIN on the BHIM app. The app also provides real-time visibility of all such transactions, ensuring complete transparency, control, and oversight for the primary user.