BHIM is an e-wallet or digital wallet app for smart devices and is currently available only for Android platform. The app is aimed at making transaction easier with just a fingerprint impression.

2. Significance of BHIM
 BHIM means Bharat Interface for Money
 Digital Payment mobile Application
 Named after Babasaheb Dr Bhimrao Ambedkar
 Supports Aadhaar-based payments
 Based on the Unified Payments Interface (UPI)
 Transfers money digitally without going to Bank
 Developed by the National Payment Corporation of India (NPCI)

3. Guide to use BHIM App
Check Balance detail at anytime on the fingertips
Create Custom Payment Address on the
base of the mobile number
QR code feature
Transaction Limits: Maximum of Rs.
10,000 per transaction & Rs. 20,000
within 24 hours.
Language supported: Hindi and
English

4. Way of sending the Money via BHIM app
Payment on the basis of UPI
 Mobile Number
 Virtual payment
address
1

5. Way of sending the Money via BHIM app
Payment without the basis of UPI
 IFSC
 MMID
 Account transfer
2

6. How BHIM app works
Select the preferred Bank 4-digit passcode required
Option available of sending
and receiving money

7. Need to address these issues
Low connectivity of the internet in the country like India
 Not everyone have the accessibility of Smartphone
 This app is available only on Android platform
 Aadhaar payment feature has not been implemented
 Need good infrastructure for this application
 Not every bank is connected to UPI