How BHIM Works

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How BHIM Works

BHIM, or Bharat Interface for Money, is a digital payment app developed by the National Payments Corporation of India (NPCI). It uses the Unified Payments Interface (UPI) system to facilitate direct bank-to-bank transfers using a mobile phone. UPI is a real-time payment system that allows users to send or receive money 24/7, 365 days a year.

To use BHIM, you must first download the app from the Google Play Store or the Apple App Store. Once the app is installed, you will need to register your bank account with BHIM. To do this, you will need to enter your mobile number and the last six digits of your debit card. You will also need to set a UPI PIN. Your mobile number will be your UPI ID.

Once you have registered your bank account with BHIM, you can start making payments. To send money, you can enter the UPI ID of the recipient or scan their QR code. You will then need to enter the amount of money you want to send and your UPI PIN. To receive money, you can share your UPI ID with the sender or generate a QR code. The sender will then be able to send you money using your UPI ID or QR code.

BHIM is a safe and secure way to make digital payments. All transactions are encrypted and protected by a UPI PIN. BHIM is also very convenient to use. You can make payments to anyone in India, regardless of their bank, as long as they have a UPI ID.

Here is a step-by-step guide on how to use BHIM to send money:

  1. Open the BHIM app and enter your UPI PIN.

  2. Tap on the "Send" option.

  3. Enter the UPI ID of the recipient or scan their QR code.

  4. Enter the amount of money you want to send.

  5. Review the transaction details and tap on "Send".

  6. Enter your UPI PIN to confirm the transaction.

You will receive a notification from your bank once the transaction has been completed.

Here is a step-by-step guide on how to use BHIM to receive money:

  1. Open the BHIM app and enter your UPI PIN.

  2. Tap on the "Receive" option.

  3. Share your UPI ID with the sender or generate a QR code.

  4. The sender will then be able to send you money using your UPI ID or QR code.

  5. You will receive a notification from your bank once the transaction has been completed.

BHIM is a free-to-use app. There are no charges for sending or receiving money using BHIM.