written by khatabook | July 20, 2020

How Secure is BHIM UPI? | A Complete Guide

A Complete Guide on BHIM UPI

BHIM aka Bharat Interface for Money is a virtual payment application launched in India on December 30, 2016. BHIM app lets you make quick and easy financial transactions using UPI. UPI means Unified Payments Interface which allows effortless fund routing and lets you use multiple bank accounts in one mobile application. BHIM App enables you to make direct bank to bank transfer and money collection just with a mobile number or Virtual Payment Address (VPA). Let’s see the features that BHIM UPI has to offer.

Send Money

BHIM app allows bank to bank money transfers instantly. Use the Send Money option to make a transaction with anyone using Virtual Payment Address (VPA), Account no & IFSC, or via QR Scan.

Request Money 

Do you want to request money from someone? BHIM UPI makes it easier for you. Use Request Money option in the BHIM app to collect money by entering a Virtual Payment Address (VPA).

Scan & Pay

Don’t remember the Virtual Payment Address (VPA)? No worries, pay with scan and pay. Scan the QR code through Scan & Pay option to start payment. If you’re a business you can generate a unique QR-code to present and receive payments on the sales.


Transactions in BHIM UPI allow you to check your payment transaction history and other pending requests if any. From here you can either approve or reject those requests. By clicking on Report Issue on a transaction you can raise a complaint too.


Profile is a place where you can find your account-related information like your static QR code, payment addresses, etc. In addition to that, you can also share the QR code through various messenger applications like WhatsApp, Email, etc.

Bank Account 

Bank Account option in BHIM UPI shows your linked bank accounts and their UPI PIN status. You can set or change your UPI PIN here and can also change the linked bank accounts by clicking Change Account provided in Menu. If you want to check bank balance simply click Request Balance of the respective bank account.

SWOT Analysis of BHIM UPI Payment App

When we analyze BHIM as an application, we can identify the pros, cons, and opportunities of this virtual payment method.

Strength BHIM is simple to use and is supported by NPCI (National Payments Corporation of India) which is a government body.
Weakness Due to the lack of awareness about the functionalities of the app and lack of support system to redress the issues, there are many dissatisfied consumers.
Opportunities There is a huge growth in the use of digital payment systems across the country with many organizations offering online banking and money transfer services. This has been amplified with the proliferation of internet services to non-metro (Tier II and III) towns and villages in India.
Threats Safety and security of digital transactions are the major concerns and threats which can hinder the use of the application.

Can you use BHIM without the Internet?

Yes, you can! If you are not a smartphone user or just lack steady internet connectivity, you can still make digital transactions using BHIM UPI app.  Here is how it works:

  1. Dial *99# from your mobile phone.
  2. Select your preferred language.
  3. Choose the type of transaction you wish to make.
  4. Enter your bank's name or the first four-digit of your bank's IFSC code and then click “reply”.
  5. If you have more than one account linked, select the desired account from which you want to make the transaction.
  6. Additionally, enter the last six digits of your debit card followed by space and then expiry date of the card, press reply.
  7. Enter your six-digit UPI PIN number.

That is it. Your transaction will now be processed!

What are the Benefits of using the BHIM UPI App?

There are many benefits that come with using the BHIP UPI App.

  • You can make a digital payment across all banks in India.
  • There are no additional charges for using BHIM app.
  • The process is simple, fast and secure.
  • No need to wait for a non-working day to pass. You can make transaction 365 days a year.
  • BHIM App works without an internet connection. In other words, even with a basic phone, you can make UPI transactions.
  • The UPI transfer limit is up to Rs. 20,000 per transaction.
  • You can use BHIM UPI on any bank app.
  • Saved the best to last! Avail cash backs for making transactions using BHIM app. 

Popular Questions Asked About BHIM App - We answered them for you!

How secure is the BHIM app? 

One of the most asked questions. Yes. It’s safe to make a digital transaction using BHIM app. Being developed and maintained by NPCI, a government body for handling payments in India, this app flaunts its most secure payment gateway. Upon 90 second inactivity, you will be locked and exited from the application.

Can I make GST Payments through BHIM UPI?

Yes! According to the 29th GST Council Meeting, if you want to make GST payments through BHIM UPI then incentives in the form of cashback would be given on the bill's GST portion for digital payments. Moreover, you also get a 20% cashback on the GST portion which will be credited to you, which will be capped to Rs 100 per transaction only.

Is there any hidden cost? 

Don’t we all know those dukaan-maliks who impose an extra charge for using card payment? Paying with BHIM UPI saves you those unnecessary extra bucks as the transactions made using UPI are absolutely free and BHIM app will not charge a penny for using its services.

BHIM app has the right strategy and a perfect launch. This app was released to the public during demonetization, therefore, making it an overnight hit. Today, in this digital era, the Indian Government has made everyday transactions cashless, easy and secure, thanks to BHIM UPI. 

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