Most Popular Queries

a. Unable to Login/use BHIM
My mobile verification process is failing repeatedly. Why?
  • Mobile Verification fails occur due to the following reasons:
    • App is unable to send SMS.
    • Network connection is not working
  • Fix: Kindly ensure network connectivity (Mobile Data switched on & Flight Mode turned off) and in case the above issues are not applicable, kindly upgrade the app to latest version from Playstore/Appstore and try again.
Why does BHIM show “SMS sending failed” while Mobile Registration?
  • Kindly ensure network connectivity (Mobile Data switched on & Flight Mode turned off)
  • You should have sufficient balance to send an SMS for registration. SMS fee may change according to your Telecom Service Provider.
  • Please ensure that you’re not switching screens (switching between different applications) in between the process of registration, doing so would automatically expire your session.
Why am I not able to Login to my BHIM app even after entering my Passcode?
  • Kindly ensure network connectivity (Mobile Data switched on & Flight Mode turned off).
  • Kindly ensure that you’re entering your correct passcode. In case you don’t remember your passcode, click on “Forgot Passcode” option from the passcode screen.
b. Unable to see my Bank while linking account.
Why am I not able to see my Bank while linking my account?
  • You will be able to see your Bank while linking account only if it is live on BHIM. Kindly click on the link to see if your Bank is live on BHIM - Live members.
What does “Unable to fetch A/C” or “Account does not exist” mean?
  • If your BHIM app says “Unable to fetch A/c”, kindly wait for few minutes and try again later as the bank maybe offline.
  • In case you’re trying to link a Minor A/c or Joint A/c, the bank wouldn’t allow you to add that particular account on BHIM. Kindly check with your Bank for the same.
  • In case you are trying to link an account type not supported by your Bank’s internal policy (Minor, Joint, Dormant A/c etc.), kindly contact your bank.
  • If your BHIM app says “Account does not exist”, ensure that you’ve selected the correct Bank A/c and that you’ve linked your mobile number to that Bank account.
  • In case of Dual SIM, kindly ensure that you’ve selected the correct SIM to which you’ve linked your bank account.
c. Unable to Add/Change/Remove Bank account
I am not able to change my bank account on BHIM.
  • Login to BHIM App -> Click on Bank Account You will be shown the accounts you’ve linked on BHIM below which you can click on “Make Default” to change your default account.
I am not able to remove my bank account from BHIM
  • Login to BHIM App -> Click on Bank Account You will be shown the accounts you’ve linked on BHIM below which you can click on “Remove” to remove your that particular account from BHIM.
How many Bank accounts can I link on BHIM?
  • You can add up to 5 accounts on BHIM.
d. Unable to Set/Change UPI pin
I am not able to set my UPI Pin. What should I do now?
  • The last 6 digits and expiry date of the debit card is required for setting the UPI PIN.
  • If you’re not receiving the OTP in time, kindly click on Resend OTP option.
  • If the above does not work, please wait for some time and try again.
  • Please note that only Debit cards linked to the account can be used for setting the UPI Pin.
How do I reset my UPI PIN?
  • Login to BHIM App -> Click on Bank Account You will be shown the accounts you’ve linked on BHIM below which you can reset your UPI PIN. (Please keep your Debit Card details handy to reset your UPI pin.)
What should I do if the number of wrong UPI PIN tries have exceeded?
  • Kindly wait for 24 hours post which you will be able to do transactions.
Why does BHIM show “Wrong Debit card details while trying to set UPI Pin?”
  • This error would occur only in the event of entering incorrect Debit Card details.
  • In any case if the same scenario is repeated post entering the correct details, Kindly contact your bank.
e. Not able to Send/Receive money
Why am I not able to send money?
  • You can send money to a limit of Rs. 20,000 per transaction and Rs. 40,000 per day on BHIM.
  • If you’re sending money to a UPI ID, please, make sure that you’ve entered the correct UPI ID.
  • Kindly ensure that you’ve entered the correct UPI Pin.
  • You will not be able to send money if your Bank is malfunctioning.
  • If you’re a new user on BHIM, you can only do transactions up to Rs. 5000 for the first 24 hours. You’ll be able to exhaust your daily limit of Rs. 40,000 after the completion of aforementioned 24 hours.
  • Kindly note that your Bank’s limit may vary from that of BHIM.
Why do I see “Per transaction limit exceeded”?
  • A user on BHIM can send money to a limit of Rs. 20,000 per transaction and Rs. 40,000 per day.
  • If you’re a new user on BHIM, you can only do transactions up to Rs. 5000 for the first 24 hours. You’ll be able to exhaust your daily limit of Rs. 40,000 after the completion of aforementioned 24 hours.
  • Kindly note that your Bank’s limit may vary from that of BHIM.
Why do I see “Risk threshold exceeded”?
  • A user on BHIM can complete only 10 financial transactions in a day for a value not beyond Rs. 40,000. Beyond this limit on frequency or value of transactions, you will be shown an error “Risk threshold exceeded”.
f. Transaction related queries
Money sent but not credited to the receiver. What should I do?
  • If your BHIM App states that your transaction is a Success, but your beneficiary hasn’t received the money, Kindly check to ensure that you’ve entered the correct beneficiary details (UPI ID or A/c IFSC).
  • In case your transaction is in Pending status kindly check the status of the transaction after T+2 working days. If the issue still persists, kindly reach us out our customer care.
  • In case your transaction has failed, but the amount was debited then the same will be reversed to you in T+2 working days.
  • If you still face the issue, you can reach out to us or raise a complaint on your BHIM App.
Money sent to wrong receiver. Can I reverse the transaction?
  • Kindly contact your bank and raise a complaint for chargeback.
Whom should I contact in case of any issues with the app?
  • You can report any feedback/suggestion/complaint on the app.
Why is my transaction getting declined?
  • Your transaction may be declined due to any of the following reasons:
  • Either of the Bank servers might be temporarily down. In this case, kindly wait for some time before you re-initiate the transaction.
  • It might be a suspected as a fraud transaction.
  • You might have entered the wrong UPI Pin.
  • The beneficiary details you have entered might be incorrect.
  • Your mobile number might be linked with multiple types of accounts in the same bank.
  • If you’ve changed your mobile number linked with your bank account then there is a possibility that the bank hasn’t updated your new number due to which you will not be able to complete your transaction. In this case, kindly contact your bank.
  • The transaction you’re trying to complete might be a violation of Bank Policy. In this case, kindly contact your bank.
g. IPO related queries
What are the requirements for me to participate for an IPO through UPI?
  • Your bank should be registered as a Self Certified Syndicate Banks eligible as Issuer Banks for UPI in the SEBI website
  • You should have an active UPI ID created.
  • You should be on the latest version of BHIM Application.
  • Note: The per transaction limit for IPO through UPI Payment is Rs. 2,00,000.
How do I know if I have received an IPO request and how do I accept it?
  • You will be receiving a Notification as well as an SMS from your BHIM App at the time of receiving a request.
  • Login to BHIM->Select My Mandates -> Go to Pending and you’ll be able to see the IPO request.
  • All IPO collect requests would have a “Verified Merchant” mark to ensure that it is not Fraudulent.
  • Kindly ensure that you check the amount before accepting the request.
How can I Modify or Cancel my request once the mandate is created?
  • Any modification or cancellation of the bid post successful creation has to be undertaken by approaching the intermediary through whom the bid was placed. For modification, you will have to approve the modification request on your BHIM app once you receive it and in case of cancellation you would be receiving a notification from BHIM stating that mandate has been revoked.
How do I know if my bid has been placed successfully?
  • Login to BHIM->Select My Mandates -> Go to Active and you’ll be able to see the IPO request. This would mean that your bid has been placed successfully.
  • You will be receiving an SMS from your Bank as well as BHIM confirming the block of amount on the account which means the bid was successful. The status of the same can be confirmed with the intermediary through whom the bid was placed.
What if I get an error while accepting an IPO mandate request? (Scenarios of Modify, Revoke and Execution)
  • In case of any error during Creation or Modification of a mandate request, the same can be re-initiated by approaching the intermediary to whom you had submitted the application form.
My broker claims to have sent the request but I haven’t received it. What should I do?
  • You should wait for some time and then request your broker to reinitiate the transaction.
Will I be able to know whether I have got the allotment or not?
  • Please note that BHIM being a payment platform does not guarantee the allotment of shares.
  • Kindly contact the intermediary through whom the bid was placed in case of any queries regarding allotment, however if you’ve been allotted then the bid amount would be debited basis allotment (Full Allotment or Partial Allotment) for which you would receive a notification as well as an SMS from BHIM and your Bank.
  • If you’ve not been allotted, then your amount shall be unblocked post which you will be receiving an SMS from your Bank for the same.

About BHIM

What exactly is BHIM?

BHIM is a UPI based payment interface which allows real time fund transfer using a single identity like your mobile number or name.

What can I do with BHIM?
  1. You can send & collect money to any person on UPI
  2. You can pay bills on merchant website by UPI
  3. You book flight tickets or recharge your mobile
  4. You can scan a QR to make quick payments
  5. You can check your transaction history on UPI
  6. You can send money to Account and IFS code
How & Where do I pay with BHIM?
  1. Pay to your friends or relatives directly through their UPI ID.
  2. While shopping online, click on the “ Pay by UPI/BHIM” option
  3. Scan UPI QR/BHIM QR at merchant outlets.
Is BHIM a wallet?

BHIM is not a wallet. It is a payments application which allows users to make instant bank transfers.

What is UPI?

The easiest way to think of UPI is that it is a payment method to transfer money between 2 parties. It is similar to NEFT or RTGS transfers in that way.

Is BHIM available for all handsets and Operating Systems?

BHIM can be used currently on all handsets with iOS (version 8.1 & above) & Android OS (version 4.2 & above).

In how many languages is BHIM available?

Currently it is available in 13 languages, i.e., Hindi, English, Tamil, Telugu, Malayalam, Bengali, Odia, Kannada, Punjabi, Assamese, Urdu, Marathi and Gujarati.

How do I use BHIM if my bank is not live on UPI?

You cannot perform a UPI transaction. Please mention your bank name in the Get in Touch section.

What is VPA?

A Virtual Payment Address (VPA) is a unique identifier which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.

Can I use BHIM outside India?

You can use BHIM outside India to send and collect money for your local accounts. Please note that NRI/NRE accounts can be used for the same.

What are the charges to use BHIM?

NPCI does not charge any user for transacting on BHIM. Kindly get in touch with your bank to ask for their charges.

Does BHIM run without internet?

Dial *99# to avail features of BHIM without internet on any mobile phone.

How do I use BHIM if my bank is not live on UPI?

BHIM is interconnected with every bank through the UPI ecosystem.Hence, you will not be able to link your account on BHIM application.

Installation and Registration

Who can use BHIM?

Any user having a smartphone and bank account is eligible to use BHIM. That being said, you need your mobile number registered with the bank and a debit card linked to that account. You can download the app from playstore or appstore.

How does BHIM verify my mobile number and what is the process?

After installing and running the app for the first time:

  1. Select Language
  2. App will ask permission to send SMS to verify.
  3. Successful attempt with take you to Home page
  4. If unsuccessful, after 45 seconds an OTP will be sent to you.
  5. If step 4 is unsuccessful, you will be prompted to dial a USSD code.
  6.  Once NPCI recognizes your mobile number and handset, your registration is complete.
How do I create my UPI ID?

On successful registration, a default ID i.e mobilenumber@upi will be created. You can add one more VPA by going in the profile section.

What is UPI ID?

A UPI ID is a unique identifier which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.

What if I get Device Binding Failed?

Device binding failure occurs due to the following reasons:

  1. App is unable to send SMS
  2. Network connection is poor
  3. Phone time and actual time is different
  4. Telecomm service provider is unable to send registration SMS to NPCI

UPI Pin Setting

What is UPI PIN?

UPI PIN is a four or six digit number that is set by the customers on BHIM after the registration process. UPI PIN is used for authenticating all transactions done on UPI platform (BHIM or *99# or UPI apps)

What happens after registration?

Once your mobile is verified, you will have to select your bank account and set your UPI pin.

I cannot see my bank in the list. What now?

Your bank is not registered with UPI, hence it is not on the list. Our team is working towards getting all banks on UPI.

I cannot see my bank in the list. What now?

Your bank is not registered with UPI, hence it is not on the list. Our team is working towards getting all banks on UPI.

I can see my bank, but I cannot see my Account number. What Now?

Your bank does not permit your account type to be listed on UPI. Kindly try another account.

How do I set my UPI pin?

After you select your bank account, you will be promoted to set your UPI pin for the first time. You need to input the last 6 digits of your debit card along with the expiry date. If you are a SBI Maestro card user, you can enter the expiry date as 01/49.

I have already set a pin on another app with a bank account. Can I use the same pin on BHIM?

While setting the UPI pin there a SYNC option at the bottom of the transaction screen. If you click that, the pin you have set on the other app will be set on BHIM.

I am unable to set my UPI pin. What now?

Due to some technical reason, your UPI pin cannot be set. Kindly click here (page should redirect to Contact Us>>Issue with UPI pin) and provide details.

Sending Money

What methods are available on BHIM for sending money?

BHIM users can send money by using one of the following details of the beneficiary.

  1. VPA ( Registered on UPI)
  2. Mobile No. ( Registered on UPI)
  3. Aadhaar Number ( Should be linked to a bank account)
  4. Account Number and IFS code
While sending money via UPI ID, the account holder name and UPI ID are different. Are they the same person?

When you enter a VPA and click on verify, the account holder’s name (as mentioned in the bank’s system) will be displayed. This is for you to cross check if the sender and the bank account to which you want to send money are the same. Incase they appear different, please re confirm the VPA of the receiver. Money once sent through BHIM cannot be reversed.

Is there a limit to the amount of money that can be sent using BHIM?

A user can send upto Rs 20,000 per transaction and a maximum of Rs 40,000 per day for one bank account. This limit is available per bank account linked on BHIM.

How do I switch the default VPA?

The default VPA is mymobileno@upi .You can change by going to the “My profile” section and selecting among the available VPAs.

How many VPAs can be added to BHIM?

BHIM allows you to use two VPA’s. First one is the default VPA (mobile number@upi). The second one, you can create on “My Profile” page.

I have multiple accounts linked to the same mobile number. Which accounts can I use for sending/receiving money?

The account which you have selected will be displayed on the top left with the bank’s icon. That will be your default bank. You can change the bank account by going to “Bank Accounts” and clicking on the three dots menu option to change the bank.

I have two bank accounts. Using one of them, I have registered on BHIM. How can I send money from this account to the other?

Let’s say you have two accounts i.e SBI and ICICI. You want to transfer money from SBI to ICICI. You will select SBI as your default account linked to your VPA. To transfer money, click on send and then select the option to transfer money via Account Number + IFSC. Insert the details of your ICICI account and you will be able to transact.

What is required for paying by using Aadhaar number?

The Aadhaar number should be linked to his Beneficiary’s account number and the bank should be enabled on UPI.

If a person has Aadhaar number linked to multiple accounts, which account will the money get credited if I perform this transaction?

If someone links their Aadhaar number in two bank accounts and in the event you send them money via BHIM, the money gets credited to the account where the Aadhaar number was linked the latest (chronological order).

Can I save the beneficiary details for later transactions?

Yes, you can save details. While sending money to a particular receiver you have to click on the option “Save for Future”

How to use Scan & Pay feature for sending money?

Scan & pay option is present in the Home page where you can click and the QR scanner opens up. Using this you can scan the QR code of the receiver and send him money. You can also use scan and pay on your passcode screen. You can also upload a QR saved on your phone as an image.

How do I generate my QR code?

Once you register on BHIM, a QR code and default VPA is created. You can check these details on the “My Profile” section of BHIM.

Receiving Money

What is Request?

On BHIM, you can initiate a collect transaction for asking money from someone. You have to enter the amount and UPI ID. The user who will receive the request can pay or decline the collect request by authenticating it with the UPI pin.

How do I check collect requests made to me?

You can click on transactions menu and under the pending section, collect request made towards you will be displayed. You can approve or decline the same.

Is there a limit on the amount of money that can be received using BHIM per transaction?

There is a limit of Rs 10,000 per collect request on BHIM.

Is there any limit on receiving money via BHIM?

There is no limit to the amount of money you can receive via BHIM.

What is Split bill feature?

Split bill allows you divide a bill between yourself and other users (BHIM and UPI). Let’s say you and your friends have used a product/service amounting to Rs 1,000. Using split bill feature, you can enter the total amount and that will get automatically split between the users (after entering their VPA).A collect request will be initiated and the payers need to approve the collect transaction.

How to block unknown money requests?

You can do so by clicking on spam for the request and also by clicking the particular sender so that he can no longer send unwanted requests.

Is there a time frame within which the money request has to be accepted?

Pending transactions can be viewed in the transaction section of BHIM. The requests will be valid till the time the initiator has kept. If the request is not accepted within that set time, the request expires.

Help & Support

I have sent money but the transaction failed and my account is debited. What should I do?

The transaction has failed due to a system error. The money is in the pool account of the remitting bank (your bank). Your transaction ID is your reference ID, which you can take up with your bank.

To report a failed transaction, click on report issue in the transaction page against the failed transaction and mention the details. The amount should be reversed to you in T+3 days.

Incase that does not happen, you can reach out to us here (link should redirect to contact us>>transaction failed).

We apologise for the inconvenience.

I performed a transaction but it is showing pending. What should I do?

The transaction has failed due to a system error. The money is in the pool account of the beneficiary bank. Your transaction ID is your reference ID, which you can take up with your bank.

To report a pending transaction, click on report issue in the transaction page against the failed transaction and mention the details. The amount should be reversed to you in T+3 days.

In case that does not happen, you can reach out to us here ( link should redirect to contact us>>transaction pending).

We apologise for the inconvenience.

Money sent to wrong receiver. Can I reverse the transaction?

NPCI is acting as platform for processing transaction. It is an instant transfer, hence we request you to check beneficiary details before transacting. A successful transaction cannot be reversed, unless the beneficiary refunds at his own end.

You can try and raise a collect request (for VPA based transactions) and hope that the user will return the same. There is no guarantee that your amount will be reversed.

Whom to contact in case of any issues with the app?

Reach out to the BHIM Toll Free number 18001201740 or on the helpline number 022-45414740 for any queries or complaints on your BHIM transactions.

My Beneficiaries

What is my beneficiaries?

My Beneficiaries is a feature added which helps users to organize their payer contacts. It contains the list of payers to whom a transaction was initiated.

How do I save a beneficiary?

When performing a transaction, click the button “Save for future” to save the contact. You can view the same in your added beneficiary.

How do I delete a saved contact from My Beneficiary?

When you click on any contact in my beneficiary, it gets highlighted with two options i.e. “Send Money” and “Delete”. Click on delete to remove the beneficiary from the list.

How do I unblock a user?

Click on the three dots on the top right of the My Beneficiary page and go to blocked contacts. Click on the contact and select the option to unblock the same.

Additional Features

Payment Reminders:
  1. Add Custom payment reminders as per your convince.
  2. Phone bill, electricity bill or EMI, don’t miss a single payment
  3. Click on the three dots on home page and click on payment reminders to set customized reminders
Multi Agent Collection
  1. Designed for merchants who use agents/delivery staff for delivering goods to collect payments.
  2. Enable yourself as merchant under the “I am a Merchant” tab in the home menu screen.
  3. After declaring yourself as a merchant, a new option on the home screen “Merchant” will be available for use.
  4. Add agents by entering their UPI ID & mobile number.
  5. Generate a QR for that specific agent and share it with them.
  6. The agent can use that QR for collecting payments on behalf of the merchant.
  7. When a transaction is successful, the agent and the merchant will be notified via SMS for the same.
  8. Add up to 3 agents and get updated on collections by them.

BHIM Bill Pay

Which bills can I pay using BHIM bill pay?

Bill payments can be made for the following categories:

Electricity, Gas, Water, DTH and Telecom, Mobile post-paid and landline

Why can’t I see the bill pay option with my bank account?

BHIM bill pay is only available for banks which are enabled on Bharat Bill Pay. If your bank account is not live, you will not see the option for Bill Pay. Kindly switch to another bank account which is enabled on Bharat Bill Pay.

Will I be charged for bill payments?

No, there will be no charges for bill payment via BHIM Bill Pay.

Can I check my Bill details before payment?

Yes, you can check the amount before paying the bill. Please note that all billers will not display the amount due for bill payment.

Is UPI PIN mandatory to pay any Bills?

Yes. UPI PIN is mandatory for all the Bill Payments. This is as per security standards of BHIM.

What are the steps for Bill Payment on BHIM?
  1. Click on Bill Pay section of BHIM
  2. Selects the bill category
  3. Select the biller for which you want to make a payment (the biller will be saved automatically for future payments)
  4. Enter your biller ID ( subscriber ID, customer ID, etc
  5. The next screen will contain the bill details like amount. Not all billers will display the bill amount.
  6. If the bill is not displayed, a confirmation screen will be displayed, else it will not be displayed.
  7. Click on pay and enter your UPI pin to confirm the payment
  8. You will receive a confirmation for the bill payment.
Do I get a confirmation for payment immediately?

Yes. User will get online confirmation for Bill Payment. Please note user can also check the status of their transaction under Bill pay of Transaction section of BHIM.

What is the maximum amount allowed for Bill Payment?

Bill payments are subject to existing limit of BHIM i.e ₹ 20,000/transaction & Rs 40,000/day per bank account.

During Bill Payment transaction my Bank account got debited but the Bill payment is failure. When will I get my money back?

As notified in BHIM your money will refunded in three working days.

For any concern related to Bill Pay transaction whom can I contact?

You can contact your bank in Call Bank option on BHIM, in the failed transaction.

Can I save more than one biller for one particular category?

Yes you can save multiple biller per category. You can also save multiple customer Identifier for same Biller.