How to use Narendra Modi's BHIM app?

Modi termed the launch of the app, a significant step in moving over to digital transactions, adding that it will root out corruption in the country.

How to use Narendra Modi

Prime Minister Narendra Modi launched the app, BHIM for making digital payments and transactions easier at the Digi Dhan Mela in New Delhi on Friday. 

I will launch a Mobile App which will enable easier digital payments & transactions. The App will immensely benefit our citizens.

Within just two weeks online payment of bills by using thumb will start in India, added Modi at the occasion.

Modi termed the launch of the app, a significant step in moving over to digital transactions, adding that it will root out corruption in the country.

Named after the architect of the Constitution Dr Ambedkar, BHIM will help in furthering digital connectivity, claimed Modi.

Paying tribute to Dr Ambedkar, Modi said Ambedkar was a great economist and said he worked to elevate the condition of the downtrodden and untouchables and sacrificed his life for the nation.The launch of BHIM has given the nation the best new year gift of 2017, said adding it will bring revolutionary changes in India.

Here are the guidelines to use BHIM:

  • The app allows easy transfer of money or makes a payment from our bank account using only our phone number. If the shopkeeper uses the BHIM app too, just open the app, choose “send money”, and type in the amount and the merchant's phone number to make the payment. The money will be debited from your account and credited to the merchant's bank account which is linked to you and the vendor to the BHIM app.

  • BHIM is now available as an Android version download now, and iOS is coming soon.

  • The app also allows us to scan a QR code. The merchant can generate his QR code through the BHIM app. To pay him, we'd need to tap the Scan and Pay button in the app and then scan the QR code.

  • Even without a smartphone, anyone can use BHIM to make payments.You need to dial *99# from any kind of mobile phone, and this will show a menu - by typing in different numbers you can choose to send money, check our balance, or see transaction history.

  • To send money, for example, you'd type '1' and hit send, then type '1' again to select mobile number. Next, we'd type in the number and the amount, and then a PIN that can be generated using BHIM. This will work on any phone - even Rs. 1,000 feature phones - without an Internet connection.

  • Shopkeepers can use the BHIM app and receive money from a smartphone, or if the customer has linked a bank account and her Aadhaar ID, then the merchant can use Aadhaar Pay, an app that was soft-launched days ago. For this, the merchant has to have a smartphone (even a basic Android phone will do) and a Rs. 2,000 fingerprint reader. This is currently being distributed free in Aadhaar Payments pilot projects around the country.

  • On the shopkeeper's phone, the customer types in her Aadhaar number and chooses her bank. Then, the shopkeeper uses the fingerprint reader for instant confirmation to complete the payment. The customer don't need to carry her Aadhar card, or use a phone, only the merchant needs these.

  • With a mobile wallet app, we have to load money in the wallet before we can use it. With BHIM and all UPI (United Payments Interface) apps, we can directly connect your phone to our bank account - like a debit card. Payments are happening directly from and to bank accounts, so merchants don't have to worry about transferring wallet earnings to the bank either.

  • There is a Rs. 10,000 per transaction limit, and Rs. 20,000 per day for BHIM.

  • All UPI-connected banks accept BHIM - this includes all major Indian banks including SBI, ICICI, Axis, and HDFC. Even banks not connected to UPI can receive money through BHIM through IFSC, an 11-digit code assigned to every bank branch by the Reserve Bank of India.

Story by