BHIM Payments App, developed by NPCI BHIM Services Limited (NBSL), has reported a strong growth from January to September in CY 2025, showing sustained user adoption and trust across Bharat. In CY 2025, BHIM’s monthly transactions rose from 38.97 million in January to 119.85 million in September, reflecting over three-fold increase within the nine months and an average of 12% month-on-month growth. The app also processed transactions worth ₹16,803 crore in September 2025, marking a 312% increase in volume and 94% growth in value compared to the same period last year.
The new BHIM Payments App, introduced in March 2025, supports 15+ Indian languages including Tamil, offers an ad-free, clutter-free interface, and is optimised for low-connectivity areas, ensuring accessibility for users across urban, rural, and semi-urban regions.
Ms. 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. Its strong growth reflects the trust users place in a product designed for their everyday needs. Whether for small-value daily payments or advanced capabilities like UPI Circle, BHIM continues to make digital transactions effortless and reliable.”
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 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 BHIM Payments 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 Payments 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 Payments 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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