PUNE: BHIM Payments App, developed by NPCI BHIM Services Limited (NBSL), combines innovation and simplicity to redefine digital payments in India. It supports 15+ Indian languages, including Marathi, making digital payments accessible across urban, rural, and semi-urban users. The app is optimised for low connectivity, ensuring smooth transactions even in weak network areas. Designed for seamless use across all age groups, the app has an ad-free, clutter-free interface.

BHIM has steadily scaled in reach and usage, reflecting growing user trust. In June 2025, the app processed 79.58 million transactions worth ₹12,110 crore, a growth of nearly 212% in volume and 46% in value compared to June 2024. It also provides advanced money management tools to track, manage, and split expenses, helping users stay more organised in their financial routines.

NPCI BHIM Services Limited (NBSL) was incorporated in 2024 as a wholly owned subsidiary of the National Payments Corporation of India (NPCI). The new BHIM Payments App, introduced in March 2025, represents the third evolution since its launch in 2016 by Prime Minister Narendra Modi.

Lalitha Nataraj, MD & CEO, NBSL, said, “BHIM Payments App is designed to meet the needs of today’s users in the fast-evolving world of digital payments. Built for Bharat, it prioritises safety, convenience, and inclusion. It reduces cash dependency with seamless small-value transactions, even in low-connectivity areas. The App enhances the user experience while promoting financial empowerment across all sections of society.”

Enhanced Features for Users

• Split Expenses – Users can now split bills with friends and family seamlessly. Whether it’s dining out, rent payments, or group purchases, the BHIM app allows users to divide expenses and make payments directly, ensuring hassle-free settlements.
• Family Mode – Users can now onboard family members, track shared expenses, and assign specific payments. This feature enables better financial planning by giving families a consolidated view of their expenses.
• Spends Analytics – The new dashboard offers an intuitive view of a user’s monthly spending patterns for the spends done on the BHIM App. It automatically categorises expenses, helping users analyse and manage their budget without needing complex spreadsheets.
• Action Needed – A built-in task assistant that reminds users of pending bills linked to the BHIM app, prompts them to enable UPI Lite, and alerts them when their Lite balance is low. It ensures users stay on top of their financial activities.
• UPI Circle (Partial delegation for UPI transactions) – Empowers users to extend limited payment rights to trusted individuals. A primary account holder can authorise up to five secondary users to initiate payments from their account. Every transaction initiated by a secondary user requires explicit approval through the primary user’s UPI PIN on the BHIM app. The app also provides real-time visibility of all such transactions, ensuring complete transparency, control, and oversight for the primary user.

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BHIM users can now contribute to their existing NPS accounts with ease, eliminating the need to remember complex details. Instead, users can make contributions using just their registered mobile number and minimal customer parameters, making retirement planning as easy as a few clicks. Contributions made through BHIM are fully processed and invested within one business day, ensuring timely investment.

Rahul Handa, Chief Business Officer, NBSL, said, “The addition of NPS contributions on BHIM marks a significant stride in making essential financial services more accessible to millions across India. By enabling NPS contributions directly on BHIM, we are fostering a culture of proactive retirement planning and long-term security for all. This initiative is a pivotal step towards a more resilient nation, showing our commitment to financial inclusion and the evolution of BHIM as a comprehensive financial platform.”

Commenting on the launch, Noopur Chaturvedi, CEO, of NPCI Bharat BillPay Limited (NBBL), said, “We are delighted to have BHIM, now available for NPS investments powered by Bharat Connect. This enables BHIM users to effortlessly contribute to their NPS accounts directly through the app. Our goal is to enhance financial accessibility and inclusivity for all citizens across India, and this initiative is a testament to that commitment.”

The NPS has experienced significant growth, with more than 38.25 lakh retail accounts as of September 2024. This new feature is expected to further drive NPS adoption, helping individuals build a reliable income stream for their post-retirement years.

Here’s how users can avail this feature on the BHIM app:

• Click on ‘View All’ under the ‘Recharges and Pay Bills’ section on your BHIM app home screen
• Click on ‘NPS’ under the ‘Other Categories’ section and enter the following details:
  • Permanent Retirement Account Number (PRAN) or 10-digit mobile number
  • Date of Birth
  • Tier
  • Contribution Amount
• Tick the checkbox to agree to the Terms and Conditions and tap ‘Get Bill Details’
• Tap on ‘Bill Info’ to review details of NPS investment and the amount of breakup
• Select your preferred payment mode, hit/tap ‘Pay’, and complete the payment

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