How to download BHIM App for Android, ioS, Windows, BHIM Apk - Download BHIM App Video

Download BHIM APP for Android, ioS, Windows


A new digital payments app named BHIM — Bharat Interface for Money — after Babasaheb Dr Bhimrao Ambedkar is the talk of the town. For the time being this Bhim app is now available only on Android — so iOS and Windows mobile users would not be able to download bhim app on their devices. The BHIM app would soon start to support Aadhaar-based payments in 2017, when the transactions would be just with a fingerprint impression.

This is what BHIM App can do!


BHIM is a digital payments solution app based on the Unified Payments Interface (UPI) from the National Payments Corporation of India (NPCI). NPCI is the parent organisation for all retail payments
systems that are carried out in India. When you sign up for UPI-based payments on your bank account, you’ll then be able to carry out any digital transactions via the BHIM app which would be linked to your mobile phone number.

With BHIM app, you can send and receive money to other UPI accounts or addresses. A user can also send money via IFSC (Indian Financial System Code) and MMID (Mobile Money Identifier) Code to
users who not having a UPI-based bank account with the use of BHIM app. In the BHIM app, you can create your own QR (Quick Response) code for a fixed amount of money, which the merchant can
scan to deduct the payment.

Is BHIM act as just another mobile wallet?


No. You can store a small amount of money in a mobile wallet like Paytm, Freecharge or MobiKwik, and can actually send money only to someone who is using the same wallet. But BHIM is UPI-based app, and thus it is linked directly to a bank account. All the payee needs is a bank account. If this account is UPI activated, you need just the payee’s VPA or virtual payment address, and pay to that account. The best part of the BHIM app is there’s no need to remember an account number, nor there is any need to share it with anyone. The VPA is all that is required. A user can send up to Rs 10,000 per transaction, and up to Rs 20,000 in any 24 hours.

Does your bank support the BHIM app?


BHIM app is supported by the following banks in 2017:

Allahabad Bank
Andhra Bank
Axis Bank
Bank of Baroda
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
Vijaya Bank

How does the BHIM app work?


With BHIM app, you can choose your preferred bank, after your mobile number is verified. It’s best to use the same number as the one that’s linked to your bank account as you will get SMS. You need to set up a 4-digit passcode while opening BHIM. This passcode will be a required thing when you open this app so choose it wisely and do not forget.

Next step is to select your bank. If your bank account is UPI activated, the relevant number will be shown. You’ll then see options to send and receive money, and transact via IFSC. If UPI is not activated, you can put in six digits of your debit card number, and the expiry date, only then the BHIM app will allow you to use it.

To send money, type in the mobile number or VPA address. BHIM will verify the payee. Type in the amount, and hit pay. If the payee doesn’t have UPI, tap on the three dots above the send money option. The ACCOUNT + IFSC option will open up, where you can put in the details.

Presently in 2017, you can access only one account per mobile number. So if your number is linked to two accounts, you need to disable the selected one and start from the bank selection option.

How do I create a VPA for UPI on my account?


  • First make sure your mobile number is linked to your bank account number.
  • Go to the bank’s official mobile banking app from the Google Play store. Check the developer, etc. that is it has been built by the bank before installing the app on your mobile as you might download the fake BHIM app.
  • Locate the tab about UPI payments when you are able to download BHIM app
  • When you are in the UPI payments tab, create a VPA. Make sure you create a simple one, so that you might not forget it — such as your name@your bank’s name. 
  • Create a UPI PIN, which is needed to complete a transaction in BHIM.
  • After your VPA is created, you’ll then see options to send, receive money or pay by scanning QR code. Choose the default account for transactions if you have more accounts with the same bank.This VPA is all that you need to carry out a transaction in BHIM app.

What is so special about BHIM?


With BHIM, you can transfer via IFSC and MMID as well for non-UPI banks. This is a major step by the government which wants to build a cashless India and enable digital payment transactions with one app via UPI. Just BHIM must be used by a vast majority of people, everyone must start accepting and activating UPI as a payment method, only then it could massively support #cashlessindia.