About
BHIM (Bharat Interface for Money) is India's public-sector UPI app, launched in 2016 and run since 2024 by NPCI BHIM Services Ltd, a wholly owned subsidiary of the National Payments Corporation of India. Users register with their mobile number and set a UPI PIN using a debit card or Aadhaar, then pay from their bank account; UPI Lite allows PIN-less payments of up to ₹500, and bills and RuPay credit cards are supported. BHIM 3.0, released in March 2025, added 15+ languages, family mode, split expenses and BHIM Vega in-app checkout for merchants. Volumes remain small next to PhonePe and Google Pay: 224 million transactions in June 2026, about 1% of UPI.
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