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Sarkari Mobile App27 Sept 2026

BHIM UPI App 2026: BHIM 3.0 Features, UPI Limits, UPI Circle, Biometric Payments and How to Register

BHIM is NPCI's own UPI app, run by NPCI BHIM Services Ltd. BHIM 3.0 features, current UPI limits, UPI Lite, UPI Circle, fingerprint and face payments, registration steps, complaint process and fraud safety.

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BHIM (Bharat Interface for Money) is India's own UPI payments app, run by NPCI BHIM Services Limited (NBSL), a wholly owned subsidiary of the National Payments Corporation of India (NPCI). It was launched by Prime Minister Narendra Modi on 30 December 2016. Its new version, BHIM 3.0, was launched in March 2025 with features like split expenses, family mode and spend analytics.

UPI itself set a new record in August 2026 with 24.51 billion transactions worth Rs 29.82 lakh crore. This guide explains BHIM's features, the current UPI limits, how to register and set your UPI PIN, how to raise a complaint and how to stay safe from fraud.

BHIM App at a Glance

PointDetails
Full nameBharat Interface for Money
Launched30 December 2016
Operated byNPCI BHIM Services Limited (NBSL), subsidiary of NPCI (incorporated 13 August 2024)
Latest versionBHIM 3.0 (launched 25 March 2025, full rollout by April 2025)
Languages15+ Indian languages (as per the BHIM 3.0 launch release)
Downloads on Google Play10 crore+ (as seen in September 2026)
Support email[email protected]
Official websitebhimupi.org.in
CostFree

Key Features of BHIM 3.0

FeatureWhat It Does
Split ExpensesSplit a bill among friends or family and track who has paid
Family ModeAdd family members, manage shared expenses and assign payments
Spends AnalyticsSee where your money goes, grouped by category
Action NeededAlerts for pending bills, UPI Lite activation and low balance
Low internet supportDesigned to work on slow or unstable internet connections
UPI LiteSmall, quick payments without entering the UPI PIN
RuPay Credit Card on UPILink an eligible RuPay credit card and pay at merchant QR codes
UPI CircleLet trusted people pay from your account within limits you set
Biometric paymentsPay small amounts with fingerprint or face instead of the UPI PIN
BHIM Vega (for merchants)In-app payments for online merchants

UPI Circle on BHIM

UPI Circle full delegation went live on BHIM in November 2025. Under it:

  • A primary user can add up to 5 secondary users. Each secondary user can be linked to only one primary user.
  • The monthly limit is Rs 15,000 per secondary user.
  • The secondary user needs BHIM with a UPI ID, but not necessarily their own bank account.
  • In partial delegation, the primary user approves each payment. In full delegation, the secondary user can pay within the set limit.

This is useful for elderly parents, college students or household helpers who need to make small payments.

Biometric (Fingerprint or Face) Payments

NPCI launched biometric features for UPI on 7 October 2025 at Global Fintech Fest. These include paying with your phone's fingerprint or face unlock instead of the PIN, and using Aadhaar face authentication to set or reset your UPI PIN without a debit card.

BHIM added biometric authentication in March 2026. As reported, payments up to Rs 5,000 can be approved with fingerprint or face. Higher amounts still need the UPI PIN, and the PIN remains available as a fallback. Biometric data stays on your device.

UPI Transaction Limits in 2026

TypeLimit
Person to person (P2P)Rs 1 lakh per day
UPI LiteRs 1,000 per transaction, Rs 5,000 wallet balance (as per PIB UPI factsheet)
UPI 123PAY (feature phones)Rs 10,000 per transaction
Capital markets, insurance, GeM, travel, loan/EMI collectionsRs 5 lakh per transaction, Rs 10 lakh per day (from 15 September 2025)
Credit card bill paymentRs 5 lakh per transaction, Rs 6 lakh per day (from 15 September 2025)

Note: Your bank can set a lower limit than the NPCI limit. The BHIM app listing mentions PIN-less UPI Lite payments up to Rs 500, so the in-app cap may be lower than the NPCI maximum. Check your bank and app for your exact limit. Some older pages on bhimupi.org.in still show old limits such as Rs 40,000 per day, which are no longer current.

How to Register on BHIM

  1. Download BHIM from Google Play (developer: NPCI BHIM Services Limited) or App Store (seller: National Payments Corporation of India).
  2. Choose your language.
  3. Allow the app to verify your mobile number by SMS. Use the SIM whose number is linked to your bank account.
  4. Select your bank. The app fetches the accounts linked to your mobile number.
  5. Set your UPI PIN (4 or 6 digits) using the last 6 digits and expiry date of your debit card and the OTP from your bank. With the 2025 update, Aadhaar face authentication can also be used to set the PIN where supported.

How to Send Money, Check Balance and Pay by QR

  • Send money: Enter the receiver's UPI ID, mobile number or bank account and IFSC, enter the amount and approve with your UPI PIN (or biometric for small amounts where enabled).
  • Pay by QR: Tap Scan and Pay, scan the merchant's QR code, check the name shown, enter the amount and approve.
  • Check balance: Open your linked bank account in the app and enter your UPI PIN.

Always check the receiver's name shown on screen before approving a payment.

Failed Transaction? How to Raise a Complaint

NPCI's dispute redressal order for UPI is:

  1. Raise the complaint in the app itself (use the Report Issue option on the transaction).
  2. If not resolved, escalate to the PSP bank of the app.
  3. Then to your own bank.
  4. Then to NPCI.
  5. Finally, to the RBI Banking Ombudsman or Ombudsman for Digital Complaints.

As per NPCI's UPI FAQs, if a refund or confirmation does not come within 1 hour, contact your bank. Pending settlements can take up to 48 hours.

UPI Growth in Numbers

MonthTransactionsValue
August 202624.51 billion (record)Rs 29.82 lakh crore
July 202623.66 billionAbout Rs 29.88 lakh crore

As per the PIB UPI factsheet, 741 banks were live on UPI in July 2026, and UPI works in 11 countries.

Safety Tips

  • You never need to enter your UPI PIN to receive money. If someone asks you to enter the PIN to "receive" a payment, it is a fraud.
  • Never share your UPI PIN or OTP with anyone.
  • Check the receiver's name before you pay.
  • Do not scan QR codes sent by strangers.
  • If you lose money to fraud, call 1930 immediately or report at cybercrime.gov.in. As per PIB, the citizen financial cyber fraud reporting system has helped save over Rs 11,158 crore across 32.80 lakh complaints (FY24 to FY26).

Frequently Asked Questions

Q1. Who runs the BHIM app?
NPCI BHIM Services Limited (NBSL), a wholly owned subsidiary of NPCI.

Q2. Can I pay without a UPI PIN on BHIM?
Yes, for small UPI Lite payments, and for payments up to Rs 5,000 using fingerprint or face where biometric authentication is enabled.

Q3. What is the daily UPI limit?
Rs 1 lakh per day for person-to-person payments. Some verified merchant categories allow up to Rs 5 lakh per transaction. Your bank may set lower limits.

Q4. Can I use a credit card on BHIM?
Yes, eligible RuPay credit cards can be linked and used for merchant payments.

Q5. What is UPI Circle?
It lets a primary user allow up to 5 trusted people to make UPI payments from their account, with a limit of Rs 15,000 a month per person.

Q6. How do I contact BHIM support?
Use the help section in the app or email [email protected].

Conclusion

BHIM is NPCI's own UPI app with useful new tools like split expenses, family mode, UPI Circle and biometric payments. Download it only from official stores, keep your UPI PIN private, and use the in-app complaint option first if a payment fails.

Last updated: 27 September 2026. UPI limits and app features can change. Check with NPCI, your bank and the BHIM app for the latest.