The Power of BHIM: An App Review

By Techpads | Last Updated: February 6, 2018- 4:17 pm
BHIM Application Review

The BHIM app is compatible with Android 4.2.2 and above, as well as iOS 8.1 and above. What we really liked was that you don’t even need to be a registered user of BHIM to receive money from a BHIM user.

Who can understand the needs of the common Indian better than Indians? And they don’t get anymore “Bhartiya” than the Bharat Interface for Money or the BHIM app. Developed by the National Payment Corporation of India (NPCI) and launched by Prime Minister Modi, this is a Digital India push for cashless payments. This app has definitely taken India and even its most remote citizens a big leap into the future.

The BHIM app is interoperable with other Unified Payment Interface (UPI) apps, enabling rapid, safe and reliable money transfer via a mobile phone. All you need to do is download the app, register your bank account with BHIM and then set a UPI PIN for that bank account. Your mobile number then becomes your payment address. Could it be any simpler? And, all you need to register is to have a valid debit card for the bank account you want to link to the app and make sure you download the app to the phone you want to use as your registered mobile number. Also, make sure you’ve registered with your bank for either net or mobile banking.


What We Loved

This is definitely a robust app, the best part of which is that you just need one app to access all your bank accounts, make payments to everyone, from mobile recharges to electricity bills, you can even shop online, receive money from another UPI user and check your account balance. All the major private and national banks are already part of the app, from Paytm to Axis Bank and State Bank of India to Vijaya Bank. Even Airtel Payments Bank is supported by the BHIM app.

To ease the process of going cashless for even those in the Tier 2 and Tier 3 cities of India, the app supports 13 Indian languages, with the transaction limit set at ₹20,000 per transaction and ₹40,000 per day. Given that this is similar to ATM withdrawals, we are already familiar with such limits. Moreover, the setup process is very simple and fast, with your mobile number being verified automatically.

The app is compatible with Android 4.2.2 and above, as well as iOS 8.1 and above. What we really liked was that you don’t even need to be a registered user of BHIM to receive money from a BHIM user. The BHIM user can send you money using your mobile number, bank account number plus IFSC code and Aadhar number. You can even send a request for money to a BHIM user.

Another point in favour of the app is that it allows you to block spam. So, if you have been receiving some illicit requests for payments, simply block them. What we also loved was that the developers realise that not everyone in India has internet access on their phone, especially the poorer segments of the population. So, the app allows you to just type in *99# to access the internet and complete your transaction.

Given that Google Play Store says that there have been between 10 million and 50 million installs, the Indian public is definitely accepting this app with open arms.


What We Missed

If one really had to be objective and put in some limitations, it would be the limit put on transactions. With the amount limit, larger business deals and larger payments will have to done in installments, which could prove to be a drawback for some. Also, while registering and adding the first bank account is fairly quick and easy, adding additional bank accounts could at times be a challenge.

The developers have been working on bug fixes and the last update was on February 5, 2018, so the good news is that the app is being reviewed and improved constantly. The next thing that the developers should work on is adding mobile and DTH recharges to the app to make it completely comprehensive, which according to NPCI, they are trying to achieve. The developers are also working to add more banks to their already exhaustive list.


The Last Word

On the whole, we believe that this has been a commendable effort to take India well into the 21st century, through digital, cashless transactions that are easy and convenient. If you still haven’t downloaded this app, we would recommend that you do and experience the ease of transactions for yourself. We definitely felt proud that India had developed such a robust payment app when we used it and we are sure you will too.