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Bharat Interface for Money Application for Android, BHIM App Download

The BHIM app is Bank in Mobile!
No need of a smart phone – it operates on any phone.
No need of internet – it operates on SMS.
Your mobile number becomes your payment address (PA)
Combines the convenience of doing all banking transactions even using the ordinary phone, irrespective of the Bank where your account is held.

BHIM

What do you need for BHIM to work?

  • Have a bank account
  • One mobile phone of any type – with SIM card
  • Linking of mobile number with the bank account (to be done at the branch level) – one mobile number links with only one account.

Allahabad Bank
Andhra Bank
Axis Bank
Bank of Baroda
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
Vijaya Bank.

If you are having a smart phone, this is how it works

Download the BHIM app from the Google Play store.

Download Here (Official Google Play Store Link)

  1. Once the app is opened, you have to set PIN of your choice
  2. Select the Bank (currently only 31 banks are linked)

You can send, receive and scan/pay using this app in 3 easy steps.

Bharat Interface for Money Application

Step 1:

Bharat Interface for Money Application

Step 2: Set UPI Pin

Bharat Interface for Money Application

Step 3: Setting up UPI PIN:

  • Write last 6 digits of Debit Card
  • Note the validity date

Set a 6 digit pin

Bharat Interface for Money Application

Sending Money

  • You open the App on your smartphone.
  • Click on Send money.
  • Enter Mobile or VPA or Aadhaar Number (of the person to be paid)
    •    App automatically adds @upi for the user if he enters mobile number.
    •    The user clicks on verify for payment address.
  • You can also select send using IFSC or MMID from menu
  • Upon verification you enter the amount to send.
  • Enter remarks if needed.
  • Enter UPI Pin,

Confirmation Message Shown.

Bharat Interface for Money Application

Requesting Money

  • The shop-keeper opens his App on his smartphone.
  • Clicks on Receive money.
  • Enters your Mobile Number or Aadhaar number (for Aadhaar linked accounts using @UPI handle) to collect money.
  • Enter the amount.
  • A collect request is sent to the recipient on their respective app.

Bharat Interface for Money Application

Scan & Pay

  • You open the App on your smartphone.
  • Click on Scan & Pay.
  • Scan QR Code with the shop-keeper.
  • Upon verification enter the amount to send.
  • Enter remarks if needed.
  • Enter UPI Pin.
  • Confirmation Message Shown.

Bharat Interface for Money Application

If you are NOT having a smart phone, but only a feature phone, this is how it works

No smart phone? No problem! The same functions can be done using the SMS system from your feature phone: This is how it works:

Step 1: Registration

  • Dial *99#
  • Select a language, the system shows all bank accounts linked to the mobile number.
  • Select account and confirm.  The ID [email protected] is automatically created.

Step 2: Set UPI PIN

  • No UPI PIN is required for receiving
  • Enter {last 6 numbers of the debit cards} {expiry date MMYY} separated by single space.

Enter the 4 digit UPI PIN and then re-enter.

Financial Transactions

  • Dial *99#. It shows the following options
  1. Send Money
  2. Request Money
  3. Check Balance
  4. My Profile
  5. Pending Requests
  6. Transactions
  7. UPI PIN

Money can be sent using mobile number, Aadhaar number, IFSC & Account number, MMID & Mobile Number, VPA (Virtual Payment Address, e.g., [email protected]) and following subsequent easy to understand instruction.

Requesting Money

  • Dial *99# and choose option “request money”.
  • Enter mobile number from whom to receive money and follow easy instructions till a confirmation is received.

Other functions

  • By selecting other options of the first menu that is shown on dialing *99#, the user can easily check the balance, respond to pending requests, change the bank account (through my profile), see all the transactions, reset the UPI PIN, etc.

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