5 Ways to Use the BHIM App for UPI Payments in 2025

Introduction

The Bharat Interface for Money (BHIM) app, developed by the National Payments Corporation of India (NPCI), is a leading platform for Unified Payments Interface (UPI) transactions in India. With over 100 million downloads and 700 million daily UPI transactions in 2025 (per India Today), BHIM remains a reliable, secure, and user-friendly choice for digital payments. This Step-by-Step Guide to 5 Ways to Use the BHIM App for UPI Payments, curated by Tutorils #, explores how to leverage BHIM for everyday financial tasks. Whether you’re new to UPI or a seasoned user, these methods will help you use the BHIM app for UPI payments efficiently. Let’s dive in!

Why Use the BHIM App for UPI Payments?

BHIM offers a minimalist interface, no transaction fees for person-to-person (P2P) transfers, and support for 20 languages, making it accessible across India. It’s backed by NPCI and interoperable with other UPI apps, ensuring seamless bank-to-bank transfers. With features like QR code scanning and UPI Lite for low-value payments, BHIM simplifies digital transactions for all users.

1. Send Money Using UPI ID or Mobile Number

Transfer money instantly to friends, family, or vendors to use the BHIM app for UPI payments.

Step-by-Step Process:

1. Open the BHIM app and log in with your 4-digit passcode.
2. Tap “Send” on the home screen.
3. Enter the recipient’s UPI ID (e.g., name@upi) or mobile number linked to their bank account.
4. Input the amount and add an optional remark (e.g., “Dinner split”).
5. Enter your UPI PIN to authenticate the transaction.
6. Confirm the transaction; funds transfer instantly to the recipient’s bank account.

Real-World Example:

Rahul sent ₹500 to his friend’s UPI ID (friend@upi) for movie tickets, completing the transfer in seconds.

Pro Tip: Save frequent contacts in BHIM’s “Profile” section for faster future transactions.

2. Pay Using QR Code Scanning

Make quick payments at shops or online by scanning QR codes to use the BHIM app for UPI payments.

Step-by-Step Process:

1. Open BHIM and select “Scan & Pay” from the home screen.
2. Point your phone’s camera at the merchant’s QR code or upload a QR image.
3. Verify the recipient’s details (e.g., merchant name) displayed on the screen.
4. Enter the payment amount and an optional note.
5. Authenticate with your UPI PIN to complete the payment.
6. Receive instant confirmation of the successful transaction.

Real-World Example:

Sonia paid ₹1,200 at a café by scanning their QR code, avoiding cash or card hassles.

Pro Tip: Ensure a stable internet connection for smooth QR scanning and payment processing.

3. Request Money from Others

Easily collect payments from others to use the BHIM app for UPI payments.

Step-by-Step Process:

1. Open BHIM and tap “Request Money” on the dashboard.
2. Enter the payer’s UPI ID or mobile number.
3. Specify the amount and add a note (e.g., “Repay loan”).
4. Send the request; the recipient gets a notification in their UPI app.
5. Once approved, funds are credited to your linked bank account.
6. Check “Transactions” to confirm receipt.

Real-World Example:

Lisa requested ₹2,000 from a colleague for shared travel expenses, receiving funds within minutes.

Pro Tip: Use BHIM’s “Pending Requests” section to track unapproved money requests.

4. Pay Bills with Bharat BillPay

Settle utility bills or subscriptions directly to use the BHIM app for UPI payments.

Step-by-Step Process:

1. Open BHIM and select “Bill Payments” from the home screen.
2. Choose a category (e.g., electricity, mobile recharge, DTH).
3. Select your biller (e.g., Airtel, Tata Power) and enter details like customer ID or mobile number.
4. Fetch the bill amount or manually enter it.
5. Enter your UPI PIN to pay instantly.
6. Save biller details for recurring payments.

Real-World Example:

Priya paid her ₹1,500 electricity bill via BHIM’s Bharat BillPay, saving time at month-end.

Pro Tip: Set up UPI mandates in BHIM for automatic recurring bill payments.

5. Use UPI Lite for Small Transactions

Make low-value payments without a PIN using BHIM’s UPI Lite to use the BHIM app for UPI payments.

Step-by-Step Process:

1. Open BHIM and go to “UPI Lite” in the menu.
2. Add funds (up to ₹2,000) from your linked bank account to the UPI Lite wallet.
3. Select “Pay via UPI Lite” for transactions under ₹500.
4. Enter the recipient’s UPI ID, mobile number, or scan a QR code.
5. Confirm the payment (no UPI PIN required).
6. Check the wallet balance in the “Bank Account” section.

Real-World Example:

Vikram used UPI Lite to pay ₹150 for a street vendor’s QR code, skipping PIN entry for speed.

Pro Tip: Use UPI Lite offline for small payments in areas with poor connectivity.

Getting Started with BHIM

To use the BHIM app for UPI payments, follow these setup steps:

1. Download BHIM from Google Play Store or Apple App Store.
2. Select your preferred language (e.g., English, Hindi).
3. Verify your mobile number linked to your bank account via OTP.
4. Set a 4-digit app passcode and select your bank.
5. Create a UPI PIN using your debit card’s last 6 digits and expiry date.
6. Start transacting with any of the above methods.

Pro Tip: Link multiple bank accounts in BHIM but set one as primary for seamless payments.

BHIM App Features in 2025

• Transaction Limit: ₹40,000 per transaction and daily (lower than some UPI apps like Google Pay’s ₹1 lakh).
• No Charges: Free for P2P transactions; merchant payments may incur fees.
• Security: UPI PIN and SIM-based authentication ensure safe transactions.
• UPI Lite: PIN-free payments up to ₹500, with a ₹2,000 wallet balance.
• Multi-Language Support: Available in 20 languages, including Hindi, Tamil, and Bengali.

Common Issues and Solutions

• Transaction Failure: Check internet connectivity or verify the correct UPI PIN.
• Bank Not Linking: Ensure your bank supports UPI and your account is KYC-compliant.
• App Crashes: Update to the latest BHIM version via the app store.
• UPI PIN Issues: Reset PIN using “Forgot UPI PIN” with debit card details.

FAQ Section

How do I use the BHIM app for UPI payments in 2025?

To use the BHIM app for UPI payments, send money via UPI ID/mobile number, scan QR codes, request money, pay bills with Bharat BillPay, or use UPI Lite for small transactions. Follow the setup and steps in this guide.

Is the BHIM app free for UPI payments?

Yes, BHIM is free for P2P transactions. Merchant payments may have fees depending on the service provider.

What is the transaction limit on BHIM?

The limit is ₹40,000 per transaction and daily, though other UPI apps may allow up to ₹1 lakh.

Can I use BHIM offline?

Yes, BHIM’s UPI Lite supports offline payments for small transactions (up to ₹500) with no internet.

Is BHIM secure for UPI payments?

Yes, BHIM uses UPI PIN, SIM-based authentication, and encryption for secure transactions.

Conclusion

The BHIM app is a powerful tool to use the BHIM app for UPI payments in 2025, offering seamless ways to send money, pay bills, and more. With its user-friendly interface, no-fee P2P transfers, and features like UPI Lite, it’s perfect for beginners and regular users. Start using BHIM today to simplify your digital payments!

Have questions or BHIM tips? Share in the comments, join our newsletter at Tutorils #, or explore more finance guides. Go cashless with BHIM!

Note: All photos and videos sourced from Google or YouTube. For content issues, contact Tutorils Contact Us.

More Resources

• BHIM Official Website
• NPCI UPI Guide
• ClearTax BHIM Tutorial

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