BHIM Scheme

a. What Is The BHIM Cashback Scheme For Individuals?

As part of this scheme, any new user who is using the BHIM App to send money will receive cashback based on eligibility criteria. As part of this scheme, you can receive onetime cashback of Rs. 150* for:

Downloading the BHIM App from the mobile number registered with your bank and successfully carrying out 10 unique financial transactions (Send Money) each of Rs.50 or more during the scheme duration.

b. Who Is Considered As A New User?

A user who downloads the BHIM app for the first time on or after 4th July 2018 and does the required number of successful financial transactions (send money) via the BHIM App.


Existing BHIM user who has already downloaded BHIM APP before 4th July 2018 but has not done any successful financial transactions (send or receive money) via the BHIM App.

c. Who is not eligible for this BHIM Cashback Scheme For Individuals?

Any user who is already using the BHIM App or any other Bank UPI App/Apps for sending or receiving money or accepting/sending collect request or scanning QR code.

d. Who Can Participate For BHIM Cashback Scheme For Individuals?

The scheme is open for all the citizens of the country who have valid bank account/s.

e. What Is The Cashback I Can Receive under the BHIM Cashback Scheme For Individuals?

Individual will be eligible to receive a onetime cashback Rs.150.*

f. As an Existing User of BHIM/BHIM UPI App(S) Of any Bank will I be eligible to receive cashback under the scheme

As per the mandate of Government of India (on 3rd July 2018), the BHIM Cashback Scheme For Individuals is not applicable to the existing users of BHIM app & users of any bank UPI app as well as to the merchants using the BHIM / other bank UPI apps to receive/send money.

g. What Is Meant By A Unique Transaction?

The uniqueness will be checked on the basis of the combination of "Device ID + UPI ID + Account No/IFSC + Mobile Number". Only first transaction between the sender and receiver is considered unique. Any subsequent transaction between the same sender and receiver will not be considered unique.

h. How / when Will I Receive The Cashback?

All customers downloading the BHIM app on or after 4th July 2018 and successfully completing the necessary number and value of transactions will receive eligible cashback

Owing to the change in the scheme, the eligible users for the month of July 2018 will receive cashback in August 2018. Eligible users from August 2018 onwards will receive cashback in the monthly pay-out sessions as explained above (On 10th of every month for the last month).

i. Will the customers / merchants who have done transactions till 3rd July 2018 get any incentive/cashbacks?

All existing customers and merchants (as defined in the scheme valid till 3rd July 2018) who have done eligible transactions in the month of June will get valid cashback/incentive by 3rd week of July 2018.

All the existing customers and merchants (as defined in the scheme valid till 3rd July 2018) transacting between 1st and 3rd July will be considered invalid and won’t be eligible for any cashbacks.

All new BHIM app customers (as defined in the scheme valid till 3rd July 2018) who have completed the minimum eligible transaction/s between 1st and 3rd July 2018, will get cashback of Rs. 51 .

j. How do I report the issue if I don’t get a cashback for doing 10 unique transactions of Rs. > 50 during the scheme period of upto 31st March 2019.

All eligible customers in case don’t receive eligible incentive then they can raise an issue by sharing screenshots of Transactions (from the “My transactions” section of the BHIM app) with us by sending an email on or our social media handles. The complaint should be raised only after the pay-out session i.e. 10th of the every month. You can alternatively call us on our Toll Free number 18001201740 or on the helpline number 022-45414740 for raising the complaint.

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.