BHIM App: What Is It And How It Works

BHIM App: What Is It And How It Works

BHIM app is the most popular UPI app from NPCI (National Payment Corporation Of India). Because of its simplicity and popularity, it has reached 1.1 crore downloads within ten days of its launch. If you are searching for a best UPI app to transfer money, then your search ends here.

I bet you can’t find another app like BHIM and we believe it will become the ultimate choice for any kind of fund transfer in the future.

The design of this app and its simplicity pave a way to its success. Also, it is highly easy to use. You don’t need to be a techie to use this app; even a common man can easily use this app to transfer the money.

Right now, using BHIM app for transferring money is turned out to be the easiest and the fastest way of money transfer.

Let’s have a look at the features of this amazing UPI application from NPCI.

Basic Features of BHIM App

BHIM has become the easiest mode of fund transfer these days. The following are the basic features of BHIM app:

1) You can easily transfer money from one account to another regardless of the associated bank.

2) Unlike other online payment apps, you don’t have to register payee and wait for 24 hours to transfer money. Instead, you can instantly transfer funds to any bank accounts on the go.

3) There are no limitations and restrictions for transferring funds (like holidays and working hours). You can transfer funds anytime and from anywhere.

4) It replaces the use of bank account number with a mobile number. And hence you don’t require your payee’s bank account details.

5) To use BHIM app, you don’t need to activate the Internet Banking feature.

Special Features of BHIM

Apart from the above mentioned regular features, the BHIM app has some unique features as well. They are:

1) Using BHIM, you can easily transfer money from one bank account to another with his/her registered mobile number. This process makes fund transfer an easier task.

2) Not only to a mobile number, but you can also transfer money to a VPA or a bank account with BHIM app.

3) Other UPI apps like Aadhaar Payment App, etc., might require UPI PIN for authentication, whereas using BHIM you can transfer the money using your fingerprint authentication.

4) You don’t need to have a reliable internet connection to work with this app.

5) Scan And Pay is a special feature of this app, and it will let you transfer the funds as fast as possible

6) Using this app, you can even check your bank account balance regardless of the parent bank account.

7) If there is an issue in the transaction, the BHIM app lets you call the respective banks directly through a link. In fact, it has saved all the bank’s customer care number.

8) To get money from others or to get back your loan amount from friends and family, you can easily share your BHIM QR code.

New Features of BHIM

Some cool and new features have been included in the second update of this app are are:

1) The first and the best feature that has been included in the new update is that now the app is available in 9 different languages. You can choose one as per your wish.

2) Another new feature of this app is that you can also use your linked Aadhar number to transfer funds through this BHIM app.

3) Unlike other UPI apps, you can block a person who sends a spam ‘Collect Request‘.

How To Download And Install BHIM App On Your Android Device

Step 1: To download the BHIM app on your android smartphone or tablet, go to Android Play Store and type BHIM app in the search box and hit “Enter“.

Alternatively, you can also use the URL given below to download the app from Google app store directly.

https://play.google.com/store/apps/details?id=in.org.npci.upiapp

Step 2: Once you click on the above URL, you will be presented with a huge list of similar apps. Search for the app from NPCI and tap on it to go to the details page.

Step 3: In the details page, click on “Install” to download and install the app on your Android smartphone or tablet.

Step 4: Once you click on the “Install” button, you will be prompted to accept the terms. Click on “Accept“, and in a fraction of seconds, the app will get downloaded and automatically installed on your android device.

That’s it. The app is now installed on your android smartphone. To be able to use the app, follow the steps given below.

List of Banks live in BHIM app

As of now (Oct, 2020), there are 146 banks live in BHIM app, you may also check the list of banks that are associated with BHIM app.

Sr. No.	Bank Name
1	A.P Mahesh Co-operative Urban Bank Ltd.
2	Abhyudaya Co-op Bank Ltd
3	Adarsh Cooperative Bank Ltd
4	Airtel Payments Bank
5	Allahabad Bank
6	Andhra Bank
7	Andhra Pradesh Grameena Vikas Bank
8	Andhra Pragathi Grameena Bank
9	Apna Sahakari Bank
10	Assam Gramin VIkash Bank
11	AU Small Finance Bank
12	Axis Bank
13	Bandhan Bank
14	Bank Of Baroda
15	Bank Of India
16	Bank of Maharashtra
17	Baroda Gujarat Gramin Bank
18	Baroda Rajasthan Kshetriya Gramin Bank
19	Baroda Uttar Pradesh Gramin Bank
20	Bassein Catholic Coop Bank
21	Bharat Co-op Bank(mumbai)
22	Bhilwara Urban Co-operative Bank Ltd
23	Canara Bank
24	Catholic Syrian Bank
25	Central Bank of india
26	Chaitanya Godavari Grameena Bank
27	Chhattisgarh Rajya Gramin Bank
28	Citibank Retail
29	City Union Bank
30	Coastal Local Area Bank Ltd
31	Corporation Bank
32	DBS Digi Bank
33	DCB Bank
34	Dena Bank
35	Dena Gujarat Gramin Bank
36	Dhanlaxmi Bank
37	Dombivali Nagrik Sahakari Bank
38	Equitas Small Finance Bank
39	ESAF Small Finance Bank
40	Federal Bank
41	Fincare Small Finance Bank
42	FINO Payments Bank
43	G P Parsik Bank
44	HDFC
45	Himachal Pradesh Gramin Bank
46	HSBC
47	Hutatma Co Op Bank Ltd
48	ICICI Bank
49	IDBI Bank
50	IDFC
51	Indian Bank
52	Indian Overseas Bank
53	IndusInd Bank
54	Jalgaon Janata Sahkari Bank
55	Jammu & Kashmir Bank
56	Jammu & Kashmir Grameen Bank
57	Jana Small Finance Bank
58	Janta Sahakari Bank Pune
59	Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.
60	Kalupur Commercial Bank
61	Karnataka Bank
62	Karnataka vikas Gramin Bank
63	Karur Vysaya Bank
64	Kerala Gramin Bank
65	Kotak Mahindra Bank
66	Krishna Bhima Samruddhi Local Area Bank
67	Maharashtra Grameen Bank
68	Maharashtra State Co-op Bank
69	Manipur Rural Bank
70	Maratha Co-op Bank
71	Meghalaya Rural Bank
72	Mizoram Rural Bank
73	Nagrik Sahakari Bank Maryadhit Vidisha
74	Nainital Bank
75	NKGSB CO-Op. Bank Ltd.
76	Nutan Nagrik Sahakari Bank
77	Oriental Bank of Commerce
78	Paschim Banga Gramin Bank
79	Patan Nagrik Sahakari Bank
80	Paytm Payments Bank
81	Pragathi Krishna Gramin Bank
82	Prathama Bank
83	Punjab and Maharastra Co. bank
84	Punjab and Sind Bank
85	Punjab Gramin Bank
86	Punjab National Bank
87	Purvanchal Bank
88	Rajasthan Marudhara Gramin Bank
89	Rajkot Nagari Sahakari Bank Ltd
90	Samruddhi Co-op bank ltd
91	Sarva Haryana Gramin Bank
92	SARVODAYA COMMERCIAL CO OP BANK
93	Saurashtra Gramin Bank
94	Shree Kadi Nagrik Sahakari Bank
95	Shri Rajkot District Cooperative Bank
96	South Indian Bank
97	Standard Chartered
98	State Bank Of India
99	Sterling Bank
100	Suco Souharda Sahakari Bank Ltd
101	Surat Peoples Cooperative Bank
102	Suryoday Small Finance Bank Ltd
103	Suvarnayug Sahakari Bank
104	Syndicate Bank
105	Tamilnad Mercantile Bank
106	Telangana Gramin Bank
107	Telangana State Co-op Apex Bank Ltd
108	Thane Bharat Sahakari Bank
109	The Cosmos Co-Operative Bank LTD
110	The Ahmedabad District Coop bank
111	The Ahmedabad Mercantile Coop bank
112	The Andhra Pradesh State Cooperative Bank Ltd.
113	The Banaskantha District Central Co-operative Bank Ltd.
114	The Baroda Central Co-op Bank Ltd
115	The Gujarat State Co-operative Bank Limited
116	The Hasti Co-operative Bank Ltd
117	The Kaira District Cooperative Bank
118	The Kalyan Janta Sahkari Bank
119	The Lakshmi Vilas Bank Limited
120	The Mahanagar Co-Op. Bank Ltd
121	The Malad Sahakari Bank
122	The Mehsana Urban Co-Operative Bank
123	The Ratnakar Bank Limited
124	The Sabarkantha District Cooperative Bank
125	The Saraswat Co-Operative Bank
126	The Sutex Co Op Bank
127	The SVC Co-Operative Bank Ltd
128	The Thane Janta Sahakari Bank Ltd(TJSB)
129	The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd.
130	The Udaipur Mahila Urban Co-operative Bank Ltd.
131	The Urban Cooperative Bank Ltd Dharangaon
132	The Varanchha Co Op Bank Ltd
133	The Vijay Co-operative Bank Ltd, Ahmedabad
134	The Vishakhapatnam Co-operative Bank Ltd.
135	The Vishweshwar Sahakari Bank Ltd
136	Tripura Gramin Bank
137	UCO Bank
138	Udaipur Urban Cooperative Bank.
139	Ujjivan Small Finance Bank Limited
140	Union Bank of India
141	United Bank of India
142	Uttarakhand Gramin Bank
143	Vananchal Gramin Bank
144	Vasai Vikas Co-op Bank Ltd
145	Vijaya Bank
146	YES Bank