BHIM: Aadhaar based mobile payment app launched by PM Shri Narendra Modi

BHIM (Bharat Interface for Money) -an Aadhaar based mobile payment application and a rebranded version of UPI (Unified Payment Interface) and USSD (Unstructured Supplementary Service Data)  has been launched by Prime Minister Shri Narendra Modi at the Digi Dhan Mela event in Talkatora stadium in New Delhi. PM also felicitated winners of Lucky Grahak Yojana. At the event, PM also made payment to Khadi using the Bhim mobile application.

Unlike other UPI apps , BHIM is a no-frills UPI app. On the top, you have an option to send money, request money or scan and pay using QR Code. By default, your registered mobile is your UPI address. One also gets an option to create your customized UPI address, which could be your nickname or full name.

BHIM also uses Unstructured Supplementary Service Data (USSD) based platform which makes transactions as simple as checking the account balance of your prepaid mobile number. The government has also introduced Aadhaar Payment app for merchants, which allows you to pay using your Aadhaar card and fingerprint.
The app can be downloaded from Android app store.

Currently, the following banks are being supported by BHIM app, because they have started UPI based transactions: Allahabad Bank, Andhra Bank, Axis Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Catholic Syrian Bank, Central Bank of India, DCB Bank, Dena Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank, IDFC Bank, Indian Bank, Indian Overseas Bank, IndusInd Bank, Karnataka Bank, Karur Vysya Bank, Kotak Mahindra Bank, Oriental Bank of Commerce, Punjab National Bank, RBL Bank, South Indian Bank, Standard Chartered Bank, State Bank of India, Syndicate Bank, Union Bank of India, United Bank of India and Vijaya Bank.

BHIM effortlessly connects the Aadhaar card, mobile phone and UPI/USSD technologies to provide a digital platform for making and receiving payments.BHIM has many advantages over PayTM, FreeCharge,Mobikwik and other wallets:

  1. BHIM directly connects the bank accounts with a safe platform, thereby saving you time and hassles of maintaining multiple wallets.
  2. BHIM can be used without Internet
  3. Once the merchant connects a bio-metric device with his smartphone (after installing BHIM app), then he can easily accept payments from buyers by using their finger-print.


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  1. Sir I’m from Kerala. I have account in state bank of travancore but still our bank not in your App’s list why?? So I’m not able to use Bhim

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