BHIM - Revision history

->Lectrician2: Reverted edits by 2409:4064:998:7CCD:0:0:159D:F0B1 (talk): nonconstructive edits (HG) (3.4.10)

2022-01-07T04:40:10Z

Reverted edits by 2409:4064:998:7CCD:0:0:159D:F0B1 (talk): nonconstructive edits (HG) (3.4.10)

← Older revision		Revision as of 10:10, 7 January 2022
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	\| caption =		\| caption =
	\| collapsible = <!-- Any text here will collapse the screenshot. -->		\| collapsible = <!-- Any text here will collapse the screenshot. -->
	~~\| author =~~
	\| developer = [[National Payments Corporation of India\|NPCI]]		\| developer = [[National Payments Corporation of India\|NPCI]]
	\| released = {{Start date and age\|2016\|12\|30\|df=yes}}		\| released = {{Start date and age\|2016\|12\|30\|df=yes}}
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	*[[Google Play]]		*[[Google Play]]
	*[[App Store (iOS)\|App Store]]}}		*[[App Store (iOS)\|App Store]]}}
	\| size = ~~16.52~~ MB		\| size = 26 MB
	\| language count = 20		\| language count = 20
	~~\| language =~~
	\| language footnote =		\| language footnote =
	\| genre = [[Mobile App]]		\| genre = [[Mobile App]]
	\| license =		\| license =
	\| alexa =		\| alexa =
	\| website = {{URL\|~~https://~~www.bhimupi.org.in/}}		\| website = {{URL\|www.bhimupi.org.in/}}
	\| standard =		\| standard =
	\| AsOf =		\| AsOf =
	}}		}}

	'''BHIM''' ('''Bharat Interface for Money''') is an ~~[[India]]n~~ [[mobile payment]] [[mobile app\|~~App~~]] developed by the [[National Payments Corporation of India\|National Payments Corporation of India (NPCI)]], based on the [[Unified Payments Interface\|Unified Payments Interface (UPI)]]. ~~Named after [[B. R. Ambedkar]] and launched~~ on 30 December 2016,<ref>{{Cite web\|url=https://www.thehindu.com/news/national/Modi-launches-mobile-payment-app/article16964375.ece1\|title=Modi launches mobile payment app\|first=Arun\|last=S\|date=30 December 2016\|~~via~~=~~www.thehindu.com~~}}</ref> it is intended to facilitate e-payments directly through banks and encourage cashless transactions.<ref>{{cite web\|url=http://indianexpress.com/article/india/bhim-app-narendra-modi-digi-dhan-mela-demonetisation-4452004/ \|title=People can now bank with thumb using BHIM app: PM Modi at Digi Dhan Mela \|~~publisher~~=The Indian Express \|access-date=31 December 2016}}</ref>		'''BHIM''' ('''Bharat Interface for Money''') is an Indian [[mobile payment]] [[mobile app\|app]] developed by the [[National Payments Corporation of India\|National Payments Corporation of India (NPCI)]], based on the [[Unified Payments Interface\|Unified Payments Interface (UPI)]]. Launched on 30 December 2016,<ref>{{Cite web\|url=https://www.thehindu.com/news/national/Modi-launches-mobile-payment-app/article16964375.ece1\|title=Modi launches mobile payment app\|first=Arun\|last=S\|date=30 December 2016\|work=The Hindu}}</ref> it is intended to facilitate e-payments directly through banks and encourage cashless transactions.<ref>{{cite web\|url=http://indianexpress.com/article/india/bhim-app-narendra-modi-digi-dhan-mela-demonetisation-4452004/ \|title=People can now bank with thumb using BHIM app: PM Modi at Digi Dhan Mela \|work=The Indian Express \|access-date=31 December 2016}}</ref>

	The application supports all Indian banks which use UPI, which is built over the [[Immediate Payment Service\|Immediate Payment Service (IMPS)]] infrastructure and allows the user to instantly transfer money between ~~bank accounts of any two parties.~~<ref>{{ ~~cite~~ web\|url=https://~~www~~.~~youtube~~.~~com~~/~~watch?v~~=~~x4UNSX8uyb4~~ \|~~title~~=~~About Bharat Interface for Money~~ }}</ref> It can be used on all mobile devices.<ref>{{cite web\|url=http://www.hindustantimes.com/india-news/your-thumb-is-your-bank-now-modi-launches-bhim-app-for-mobile-transactions/story-0OIQKfnMo72xo7aOMAL5dN.html \|title=Modi launches app named after Ambedkar, says your thumb will act as your bank \| india-news \|~~publisher~~=Hindustan Times \|access-date=3 December 2016}}</ref>		The application supports all Indian banks which use UPI, which is built over the [[Immediate Payment Service\|Immediate Payment Service (IMPS)]] infrastructure and allows the user to instantly transfer money between 170 member banks<ref>{{Cite web\|title=BHIM (Bharat Interface for Money) {{!}} Digital India Programme {{!}} Ministry of Electronics & Information Technology(MeitY) Government of India\|url=https://digitalindia.gov.in/content/bhim-bharat-interface-money\|access-date=2021-12-10\|website=digitalindia.gov.in}}</ref> of any two parties.{{Citation needed\|date=September 2021}} It can be used on all mobile devices.<ref>{{cite web\|url=http://www.hindustantimes.com/india-news/your-thumb-is-your-bank-now-modi-launches-bhim-app-for-mobile-transactions/story-0OIQKfnMo72xo7aOMAL5dN.html \|title=Modi launches app named after Ambedkar, says your thumb will act as your bank \| india-news \|work=Hindustan Times \|access-date=3 December 2016}}</ref>

	==Operation==		==Operation==
	BHIM ~~allow~~ users to send or receive money to or from UPI payment addresses, or to non-UPI based accounts (by scanning a [[QR code]] with account number and [[Indian Financial System Code\|~~IFSC~~ code]] or [[Mobile payments in India#MMID\|MMID ~~(Mobile Money Identifier) Code~~]]).<ref>{{Cite web\|url=http://www.npci.org.in/\|title=BHIM UPI Official website\|date=12 January 2017\|publisher=National Payments Corporation of India (NPCI)\|access-date=12 January 2017\|archive-date=29 January 2019\|archive-url=https://web.archive.org/web/20190129122718/https://www.npci.org.in/\|url-status=dead}}</ref>		BHIM allows users to send or receive money to or from UPI payment addresses, or to non-UPI based accounts (by scanning a [[QR code]] with account number and [[Indian Financial System Code\|IFS code]] or [[Mobile payments in India#MMID\|MMID code]]).<ref>{{Cite web\|url=http://www.npci.org.in/\|title=BHIM UPI Official website\|date=12 January 2017\|publisher=National Payments Corporation of India (NPCI)\|access-date=12 January 2017\|archive-date=29 January 2019\|archive-url=https://web.archive.org/web/20190129122718/https://www.npci.org.in/\|url-status=dead}}</ref>

	Unlike mobile wallets ([[Paytm~~\|PayTM~~]], [[MobiKwik]], [[M-Pesa\|mPesa]], [[Airtel India#Airtel Money\|Airtel Money]], etc.) which hold money,<ref>{{Cite web\|url=http://www.businesstoday.in/technology/reviews/bhim-app-different-from-mobile-wallets/story/246895.html\|title=How is BHIM app different from mobile wallets- Business News\|website=~~www.~~businesstoday.in\|access-date=7 June 2017}}</ref> the BHIM app is only a mechanism which transfers money between different bank accounts. Transactions on BHIM are nearly instantaneous and can be done ~~24/7~~ including weekends and bank holidays.		Unlike mobile wallets ([[Paytm]], [[MobiKwik]], [[M-Pesa\|mPesa]], [[Airtel India#Airtel Money\|Airtel Money]], etc.) which hold money,<ref>{{Cite web\|url=http://www.businesstoday.in/technology/reviews/bhim-app-different-from-mobile-wallets/story/246895.html\|title=How is BHIM app different from mobile wallets- Business News\|website=businesstoday.in\|access-date=7 June 2017}}</ref> the BHIM app is only a mechanism which transfers money between different bank accounts. Transactions on BHIM are nearly instantaneous and can be done at any time, including weekends and bank holidays.

	~~Version 1.3 allows users to use mobile numbers from their contact book to send money and also save payment addresses for future use .{{Citation needed\|date=April 2017}} It~~ now also allows users to send or receive digital payments through [[Aadhaar]] authentication.<ref>{{Cite web\|title=How to transfer money using Aadhaar number via BHIM App: Follow steps\|url=https://www.indiatoday.in/information/story/how-to-transfer-money-using-aadhaar-number-via-bhim-app-follow-steps-1696762-2020-07-03\|access-date=19 July 2020\|website=[[India Today]]\|language=en}}</ref>		BHIM now also allows users to send or receive digital payments through [[Aadhaar]] authentication.<ref>{{Cite web\|title=How to transfer money using Aadhaar number via BHIM App: Follow steps\|url=https://www.indiatoday.in/information/story/how-to-transfer-money-using-aadhaar-number-via-bhim-app-follow-steps-1696762-2020-07-03\|access-date=19 July 2020\|website=[[India Today]]\|language=en}}</ref>

	==Transaction fees and limits==		==Transaction fees and limits==
	Currently, there is no charge for transactions from ₹1 to ₹100,000.<ref>{{Cite web\|url=http://www.npci.org.in/UPI_FAQs.aspx\|title=National Payments Corporation of India\|website=~~www.~~npci.org.in\|access-date=16 May 2017\|archive-url=https://web.archive.org/web/20170517103604/http://www.npci.org.in/UPI_FAQs.aspx\|archive-date=17 May 2017\|url-status=dead}}</ref><ref>{{Cite news\|url=http://indiatoday.intoday.in/technology/story/irctc-to-launch-new-app-for-faster-booking-of-tickets/1/851714.html\|title=IRCTC to launch new app for faster booking of tickets\|access-date=7 June 2017\|language=en}}</ref> Some banks might, however, levy a fee for UPI or IMPS transfers.		Currently, there is no charge for transactions from ₹1 to ₹100,000.<ref>{{Cite web\|url=http://www.npci.org.in/UPI_FAQs.aspx\|title=National Payments Corporation of India\|website=npci.org.in\|access-date=16 May 2017\|archive-url=https://web.archive.org/web/20170517103604/http://www.npci.org.in/UPI_FAQs.aspx\|archive-date=17 May 2017\|url-status=dead}}</ref><ref>{{Cite news\|url=http://indiatoday.intoday.in/technology/story/irctc-to-launch-new-app-for-faster-booking-of-tickets/1/851714.html\|title=IRCTC to launch new app for faster booking of tickets\|access-date=7 June 2017\|language=en}}</ref> Some banks might, however, levy a fee for UPI or IMPS transfers.

	In 2020 Indian banks have proposed transaction charges on UPI transactions,<ref>{{Cite web\|url=http://www.moneycontrol.com/news/business/banks-to-start-charging-for-p2p-payments-on-upi-2298531.html\|title=Banks to start charging for P2P payments on UPI\|website=Moneycontrol\|language=en-US\|access-date=8 June 2017}}</ref> but there is no information on whether transactions through BHIM will also be charged.{{Citation needed\|date=May 2021}}		In 2020 Indian banks have proposed transaction charges on UPI transactions,<ref>{{Cite web\|url=http://www.moneycontrol.com/news/business/banks-to-start-charging-for-p2p-payments-on-upi-2298531.html\|title=Banks to start charging for P2P payments on UPI\|website=Moneycontrol\|language=en-US\|access-date=8 June 2017}}</ref> but there is no information on whether transactions through BHIM will also be charged.{{Citation needed\|date=May 2021}}

	==Language support==		==Language support==
	The app currently supports 20 languages (including English), and is expected to support all 22 recognised languages of India {{Citation needed\|date=May 2021}}		The app currently supports 13 languages (including English), and is expected to support all 22 [[Eighth Schedule to the Constitution of India\|recognised]] [[languages of India]].{{Citation needed\|date=May 2021}}

	==Reception==		==Reception==
	During the [[2017 Union budget of India]], Finance Minister [[Arun Jaitley]] said that the app is currently being used by over 12.5 million Indian citizens,<ref>{{cite news\|url=http://www.hindustantimes.com/tech/budget-2017-jaitley-says-bhim-app-now-has-125-lakh-downloads/story-J785IjvlDQREWGztyOLPrL.html\|title=Budget 2017: Jaitley says BHIM app now has 125 lakh downloads\|access-date=3 February 2017\|work=[[Hindustan Times]]}}</ref> and that the government will launch two new schemes to promote its use. One will be referral payments for individuals, and the other will be cashback for merchants who accept payments .<ref>{{cite news\|url=http://indianexpress.com/article/technology/tech-news-technology/union-budget-2017-bhim-app-being-used-by-125-lakh-people/\|title=Union Budget 2017: Govt announces two new incentives to promote BHIM app\|access-date=3 February 2017\|~~publisher~~=[[The Indian Express]]}}</ref>		During the [[2017 Union budget of India]], Finance Minister [[Arun Jaitley]] said that the app is currently being used by over 12.5 million Indian citizens,<ref>{{cite news\|url=http://www.hindustantimes.com/tech/budget-2017-jaitley-says-bhim-app-now-has-125-lakh-downloads/story-J785IjvlDQREWGztyOLPrL.html\|title=Budget 2017: Jaitley says BHIM app now has 125 lakh downloads\|access-date=3 February 2017\|work=[[Hindustan Times]]}}</ref> and that the government will launch two new schemes to promote its use. One will be referral payments for individuals, and the other will be cashback for merchants who accept payments.<ref>{{cite news\|url=http://indianexpress.com/article/technology/tech-news-technology/union-budget-2017-bhim-app-being-used-by-125-lakh-people/\|title=Union Budget 2017: Govt announces two new incentives to promote BHIM app\|access-date=3 February 2017\|work=[[The Indian Express]]}}</ref> In October 2021, the BHIM UPI platform surpassed a record of $100 billion in value (₹7.71 trillion, or 7.71 lakh crore) with over 4.2 billion digital transactions.<ref>{{Cite web\|title=UPI Transactions Value Crosses Record $100 Billion In October, On Track To End FY22 At Over $1 Trillion\|url=https://www.moneycontrol.com/news/business/startup/upi-transactions-value-crosses-record-100-billion-in-october-on-track-to-end-fy22-at-over-1-trillion-7661711.html\|access-date=2021-12-10\|website=Moneycontrol\|language=en}}</ref> Earlier in 2021, Bhutan became the first country to adopt the BHIM UPI for their digital transactions after the approval of the [[Royal Monetary Authority of Bhutan]].<ref>{{Cite news\|last=Ohri\|first=Nikunj\|date=2021-07-13\|title=Bhutan first country to adopt UPI; FM hails platform's role during lockdown\|work=Business Standard India\|url=https://www.business-standard.com/article/economy-policy/bhutan-first-country-to-adopt-upi-fm-hails-platform-s-role-during-lockdown-121071300864_1.html\|access-date=2021-12-10}}</ref>

	== Security ==		== Security ==
	In May 2020, VPNMentor, a cyber security firm disclosed that BHIM app ~~has~~ suffered a huge data breach leaking approximately 7.26 million Indian users personal and financial data, such as name, contact details, [[Aadhaar\|Aadhaar card]], [[PAN card]], [[Reservation in India\|caste certificate]], fingerprint scans, educational certificates and more. The 4.09 GB files were leaked from a CSC operated website because of misconfigured [[Amazon S3\|AWS S3 bucket]], and not the official BHIM website. ~~But~~ [[Common Service Centres\|CSC]] explicitly ~~mentions~~ that it is working with BHIM and [[National Payments Corporation of India\|NCPI]] in partnership. VPNMentor and other cybersecurity experts confirm the data to be authentic, but BHIM and NCPI claim that the breach never took place. The issue has now been fixed.<ref>{{Cite web\|date=3 June 2020\|title=BHIM Data Leak Exposes 7M Indian Users Data: Risk of Fraud & Theft\|url=https://www.hackreports.com/bhim-app-data-leak-exposes-7m-indian-users-sensitive-data-risk-of-financial-fraud-identity-theft/\|access-date=17 June 2020\|website=Hack Reports\|language=en}}</ref>		In May 2020, VPNMentor, a cyber security firm, disclosed that the BHIM app suffered a huge data breach leaking approximately 7.26 million Indian users' personal and financial data, such as name, contact details, [[Aadhaar\|Aadhaar card]], [[PAN card]], [[Reservation in India\|caste certificate]], fingerprint scans, educational certificates and more. The 4.09 GB files were leaked from a CSC operated website because of a misconfigured [[Amazon S3\|AWS S3 bucket]], and not the official BHIM website. [[Common Service Centres\|CSC]] explicitly mentioned, however, that it is working with BHIM and [[National Payments Corporation of India\|NCPI]] in partnership. VPNMentor and other cybersecurity experts confirm the data to be authentic, but BHIM and NCPI claim that the breach never took place. The issue has now been fixed.<ref>{{Cite web\|date=3 June 2020\|title=BHIM Data Leak Exposes 7M Indian Users Data: Risk of Fraud & Theft\|url=https://www.hackreports.com/bhim-app-data-leak-exposes-7m-indian-users-sensitive-data-risk-of-financial-fraud-identity-theft/\|access-date=17 June 2020\|website=Hack Reports\|language=en}}</ref>

	==See also==		==See also==

imported>SpacemanSpiff: Reverted edits by 2409:4064:231E:31C6:0:0:21AC:F8AC (talk) to last version by Serols

2021-07-27T04:14:57Z

Reverted edits by 2409:4064:231E:31C6:0:0:21AC:F8AC (talk) to last version by Serols

← Older revision		Revision as of 09:44, 27 July 2021
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	{{short description\|Indian Mobile payments app}}		{{short description\|Indian Mobile payments app}}
	{{other uses\|Bhim (disambiguation)}}		{{other uses\|Bhim (disambiguation)}}
	{{Use Indian English\|date=~~September 2020~~}}		{{Use Indian English\|date=July 2021}}
	{{Use dmy dates\|date=~~January 2017~~}}		{{Use dmy dates\|date=July 2021}}
	{{Infobox software		{{Infobox software
	\| name = BHIM (Bharat Interface for Money)		\| name = BHIM (Bharat Interface for Money)
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	BHIM allow users to send or receive money to or from UPI payment addresses, or to non-UPI based accounts (by scanning a [[QR code]] with account number and [[Indian Financial System Code\|IFSC code]] or [[Mobile payments in India#MMID\|MMID (Mobile Money Identifier) Code]]).<ref>{{Cite web\|url=http://www.npci.org.in/\|title=BHIM UPI Official website\|date=12 January 2017\|publisher=National Payments Corporation of India (NPCI)\|access-date=12 January 2017\|archive-date=29 January 2019\|archive-url=https://web.archive.org/web/20190129122718/https://www.npci.org.in/\|url-status=dead}}</ref>		BHIM allow users to send or receive money to or from UPI payment addresses, or to non-UPI based accounts (by scanning a [[QR code]] with account number and [[Indian Financial System Code\|IFSC code]] or [[Mobile payments in India#MMID\|MMID (Mobile Money Identifier) Code]]).<ref>{{Cite web\|url=http://www.npci.org.in/\|title=BHIM UPI Official website\|date=12 January 2017\|publisher=National Payments Corporation of India (NPCI)\|access-date=12 January 2017\|archive-date=29 January 2019\|archive-url=https://web.archive.org/web/20190129122718/https://www.npci.org.in/\|url-status=dead}}</ref>

	Unlike mobile wallets ([[Paytm\|PayTM]], [[MobiKwik]], [[M-Pesa\|mPesa]], [[Airtel India#Airtel Money\|Airtel Money]], etc.) which hold money,<ref>{{Cite web\|url=http://www.businesstoday.in/technology/reviews/bhim-app-different-from-mobile-wallets/story/246895.html\|title=How is BHIM app different from mobile wallets- Business News\|website=www.businesstoday.in\|access-date=2017~~-06-07~~}}</ref> the BHIM app is only a mechanism which transfers money between different bank accounts. Transactions on BHIM are nearly instantaneous and can be done 24/7 including weekends and bank holidays.		Unlike mobile wallets ([[Paytm\|PayTM]], [[MobiKwik]], [[M-Pesa\|mPesa]], [[Airtel India#Airtel Money\|Airtel Money]], etc.) which hold money,<ref>{{Cite web\|url=http://www.businesstoday.in/technology/reviews/bhim-app-different-from-mobile-wallets/story/246895.html\|title=How is BHIM app different from mobile wallets- Business News\|website=www.businesstoday.in\|access-date=7 June 2017}}</ref> the BHIM app is only a mechanism which transfers money between different bank accounts. Transactions on BHIM are nearly instantaneous and can be done 24/7 including weekends and bank holidays.

	Version 1.3 allows users to use mobile numbers from their contact book to send money and also save payment addresses for future use .{{Citation needed\|date=April 2017}} It now also allows users to send or receive digital payments through [[Aadhaar]] authentication.<ref>{{Cite web\|title=How to transfer money using Aadhaar number via BHIM App: Follow steps\|url=https://www.indiatoday.in/information/story/how-to-transfer-money-using-aadhaar-number-via-bhim-app-follow-steps-1696762-2020-07-03\|access-date=2020~~-07-19~~\|website=[[India Today]]\|language=en}}</ref>		Version 1.3 allows users to use mobile numbers from their contact book to send money and also save payment addresses for future use .{{Citation needed\|date=April 2017}} It now also allows users to send or receive digital payments through [[Aadhaar]] authentication.<ref>{{Cite web\|title=How to transfer money using Aadhaar number via BHIM App: Follow steps\|url=https://www.indiatoday.in/information/story/how-to-transfer-money-using-aadhaar-number-via-bhim-app-follow-steps-1696762-2020-07-03\|access-date=19 July 2020\|website=[[India Today]]\|language=en}}</ref>

	==Transaction fees and limits==		==Transaction fees and limits==
	Currently, there is no charge for transactions from ₹1 to ₹100,000.<ref>{{Cite web\|url=http://www.npci.org.in/UPI_FAQs.aspx\|title=National Payments Corporation of India\|website=www.npci.org.in\|access-date=2017~~-05-16~~\|archive-url=https://web.archive.org/web/20170517103604/http://www.npci.org.in/UPI_FAQs.aspx\|archive-date=17 May 2017\|url-status=dead}}</ref><ref>{{Cite news\|url=http://indiatoday.intoday.in/technology/story/irctc-to-launch-new-app-for-faster-booking-of-tickets/1/851714.html\|title=IRCTC to launch new app for faster booking of tickets\|access-date=2017~~-06-07~~\|language=en}}</ref> Some banks might, however, levy a fee for UPI or IMPS transfers.		Currently, there is no charge for transactions from ₹1 to ₹100,000.<ref>{{Cite web\|url=http://www.npci.org.in/UPI_FAQs.aspx\|title=National Payments Corporation of India\|website=www.npci.org.in\|access-date=16 May 2017\|archive-url=https://web.archive.org/web/20170517103604/http://www.npci.org.in/UPI_FAQs.aspx\|archive-date=17 May 2017\|url-status=dead}}</ref><ref>{{Cite news\|url=http://indiatoday.intoday.in/technology/story/irctc-to-launch-new-app-for-faster-booking-of-tickets/1/851714.html\|title=IRCTC to launch new app for faster booking of tickets\|access-date=7 June 2017\|language=en}}</ref> Some banks might, however, levy a fee for UPI or IMPS transfers.

	In 2020 Indian banks have proposed transaction charges on UPI transactions,<ref>{{Cite web\|url=http://www.moneycontrol.com/news/business/banks-to-start-charging-for-p2p-payments-on-upi-2298531.html\|title=Banks to start charging for P2P payments on UPI\|website=Moneycontrol\|language=en-US\|access-date=2017~~-06-08~~}}</ref> but there is no information on whether transactions through BHIM will also be charged.{{Citation needed\|date=May 2021}}		In 2020 Indian banks have proposed transaction charges on UPI transactions,<ref>{{Cite web\|url=http://www.moneycontrol.com/news/business/banks-to-start-charging-for-p2p-payments-on-upi-2298531.html\|title=Banks to start charging for P2P payments on UPI\|website=Moneycontrol\|language=en-US\|access-date=8 June 2017}}</ref> but there is no information on whether transactions through BHIM will also be charged.{{Citation needed\|date=May 2021}}

	==Language support==		==Language support==
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	==Reception==		==Reception==
	During the [[2017 Union budget of India]], Finance Minister [[Arun Jaitley]] said that the app is currently being used by over 12.5 million Indian citizens,<ref>{{cite news\|url=http://www.hindustantimes.com/tech/budget-2017-jaitley-says-bhim-app-now-has-125-lakh-downloads/story-J785IjvlDQREWGztyOLPrL.html\|title=Budget 2017: Jaitley says BHIM app now has 125 lakh downloads\|access-date=2017~~-02-03~~\|work=[[Hindustan Times]]}}</ref> and that the government will launch two new schemes to promote its use. One will be referral payments for individuals, and the other will be cashback for merchants who accept payments .<ref>{{cite news\|url=http://indianexpress.com/article/technology/tech-news-technology/union-budget-2017-bhim-app-being-used-by-125-lakh-people/\|title=Union Budget 2017: Govt announces two new incentives to promote BHIM app\|access-date=3 February 2017\|publisher=[[The Indian Express]]}}</ref>		During the [[2017 Union budget of India]], Finance Minister [[Arun Jaitley]] said that the app is currently being used by over 12.5 million Indian citizens,<ref>{{cite news\|url=http://www.hindustantimes.com/tech/budget-2017-jaitley-says-bhim-app-now-has-125-lakh-downloads/story-J785IjvlDQREWGztyOLPrL.html\|title=Budget 2017: Jaitley says BHIM app now has 125 lakh downloads\|access-date=3 February 2017\|work=[[Hindustan Times]]}}</ref> and that the government will launch two new schemes to promote its use. One will be referral payments for individuals, and the other will be cashback for merchants who accept payments .<ref>{{cite news\|url=http://indianexpress.com/article/technology/tech-news-technology/union-budget-2017-bhim-app-being-used-by-125-lakh-people/\|title=Union Budget 2017: Govt announces two new incentives to promote BHIM app\|access-date=3 February 2017\|publisher=[[The Indian Express]]}}</ref>

	== Security ==		== Security ==
	In May 2020, VPNMentor, a cyber security firm disclosed that BHIM app has suffered a huge data breach leaking approximately 7.26 million Indian users personal and financial data, such as name, contact details, [[Aadhaar\|Aadhaar card]], [[PAN card]], [[Reservation in India\|caste certificate]], fingerprint scans, educational certificates and more. The 4.09 GB files were leaked from a CSC operated website because of misconfigured [[Amazon S3\|AWS S3 bucket]], and not the official BHIM website. But [[Common Service Centres\|CSC]] explicitly mentions that it is working with BHIM and [[National Payments Corporation of India\|NCPI]] in partnership. VPNMentor and other cybersecurity experts confirm the data to be authentic, but BHIM and NCPI claim that the breach never took place. The issue has now been fixed.<ref>{{Cite web\|date=2020~~-06-03~~\|title=BHIM Data Leak Exposes 7M Indian Users Data: Risk of Fraud & Theft\|url=https://www.hackreports.com/bhim-app-data-leak-exposes-7m-indian-users-sensitive-data-risk-of-financial-fraud-identity-theft/\|access-date=2020~~-06-17~~\|website=Hack Reports\|language=en}}</ref>		In May 2020, VPNMentor, a cyber security firm disclosed that BHIM app has suffered a huge data breach leaking approximately 7.26 million Indian users personal and financial data, such as name, contact details, [[Aadhaar\|Aadhaar card]], [[PAN card]], [[Reservation in India\|caste certificate]], fingerprint scans, educational certificates and more. The 4.09 GB files were leaked from a CSC operated website because of misconfigured [[Amazon S3\|AWS S3 bucket]], and not the official BHIM website. But [[Common Service Centres\|CSC]] explicitly mentions that it is working with BHIM and [[National Payments Corporation of India\|NCPI]] in partnership. VPNMentor and other cybersecurity experts confirm the data to be authentic, but BHIM and NCPI claim that the breach never took place. The issue has now been fixed.<ref>{{Cite web\|date=3 June 2020\|title=BHIM Data Leak Exposes 7M Indian Users Data: Risk of Fraud & Theft\|url=https://www.hackreports.com/bhim-app-data-leak-exposes-7m-indian-users-sensitive-data-risk-of-financial-fraud-identity-theft/\|access-date=17 June 2020\|website=Hack Reports\|language=en}}</ref>

	==See also==		==See also==

2409:4052:E98:8AA5:282F:60C6:DDE0:438C at 07:26, 11 June 2021

2021-06-11T07:26:32Z

New page

{{short description|Indian Mobile payments app}}
{{other uses|Bhim (disambiguation)}}
{{Use Indian English|date=September 2020}}
{{Use dmy dates|date=January 2017}}
{{Infobox software
| name = BHIM (Bharat Interface for Money)
| logo = File:BHIM SVG Logo.svg
| logo size = 250px
| logo alt = BHIM Logo
| logo caption =
| screenshot = 
| screenshot alt =
| caption =
| collapsible = 
| author =
| developer = [[National Payments Corporation of India|NPCI]]
| released = {{Start date and age|2016|12|30|df=yes}}
| discontinued = 
| ver layout = 
| latest release version =
| latest release date = 
| latest preview version =
| latest preview date = 
| repo = 
| programming language =
| operating system = {{Plainlist|
*[[Android (operating system)|Android]] 5 & above
*[[iOS]] 9.0 and above}}
| platform = {{Plainlist|
*[[Google Play]]
*[[App Store (iOS)|App Store]]}}
| size = 16.52 MB
| language count = 20
| language =
| language footnote =
| genre = [[Mobile App]]
| license =
| alexa =
| website = {{URL|https://www.bhimupi.org.in/}}
| standard =
| AsOf =
}}

'''BHIM''' ('''Bharat Interface for Money''') is an [[India]]n [[mobile payment]] [[mobile app|App]] developed by the [[National Payments Corporation of India|National Payments Corporation of India (NPCI)]], based on the [[Unified Payments Interface|Unified Payments Interface (UPI)]]. Named after [[B. R. Ambedkar]] and launched on 30 December 2016,<ref>{{Cite web|url=https://www.thehindu.com/news/national/Modi-launches-mobile-payment-app/article16964375.ece1|title=Modi launches mobile payment app|first=Arun|last=S|date=30 December 2016|via=www.thehindu.com}}</ref> it is intended to facilitate e-payments directly through banks and encourage cashless transactions.<ref>{{cite web|url=http://indianexpress.com/article/india/bhim-app-narendra-modi-digi-dhan-mela-demonetisation-4452004/ |title=People can now bank with thumb using BHIM app: PM Modi at Digi Dhan Mela |publisher=The Indian Express |access-date=31 December 2016}}</ref>

The application supports all Indian banks which use UPI, which is built over the [[Immediate Payment Service|Immediate Payment Service (IMPS)]] infrastructure and allows the user to instantly transfer money between bank accounts of any two parties.<ref>{{ cite web|url=https://www.youtube.com/watch?v=x4UNSX8uyb4 |title=About Bharat Interface for Money }}</ref> It can be used on all mobile devices.<ref>{{cite web|url=http://www.hindustantimes.com/india-news/your-thumb-is-your-bank-now-modi-launches-bhim-app-for-mobile-transactions/story-0OIQKfnMo72xo7aOMAL5dN.html |title=Modi launches app named after Ambedkar, says your thumb will act as your bank | india-news |publisher=Hindustan Times |access-date=3 December 2016}}</ref>

==Operation==
BHIM allow users to send or receive money to or from UPI payment addresses, or to non-UPI based accounts (by scanning a [[QR code]] with account number and [[Indian Financial System Code|IFSC code]] or [[Mobile payments in India#MMID|MMID (Mobile Money Identifier) Code]]).<ref>{{Cite web|url=http://www.npci.org.in/|title=BHIM UPI Official website|date=12 January 2017|publisher=National Payments Corporation of India (NPCI)|access-date=12 January 2017|archive-date=29 January 2019|archive-url=https://web.archive.org/web/20190129122718/https://www.npci.org.in/|url-status=dead}}</ref>

Unlike mobile wallets ([[Paytm|PayTM]], [[MobiKwik]], [[M-Pesa|mPesa]], [[Airtel India#Airtel Money|Airtel Money]], etc.) which hold money,<ref>{{Cite web|url=http://www.businesstoday.in/technology/reviews/bhim-app-different-from-mobile-wallets/story/246895.html|title=How is BHIM app different from mobile wallets- Business News|website=www.businesstoday.in|access-date=2017-06-07}}</ref> the BHIM app is only a mechanism which transfers money between different bank accounts. Transactions on BHIM are nearly instantaneous and can be done 24/7 including weekends and bank holidays.

Version 1.3 allows users to use mobile numbers from their contact book to send money and also save payment addresses for future use .{{Citation needed|date=April 2017}} It now also allows users to send or receive digital payments through [[Aadhaar]] authentication.<ref>{{Cite web|title=How to transfer money using Aadhaar number via BHIM App: Follow steps|url=https://www.indiatoday.in/information/story/how-to-transfer-money-using-aadhaar-number-via-bhim-app-follow-steps-1696762-2020-07-03|access-date=2020-07-19|website=[[India Today]]|language=en}}</ref>

==Transaction fees and limits==
Currently, there is no charge for transactions from ₹1 to ₹100,000.<ref>{{Cite web|url=http://www.npci.org.in/UPI_FAQs.aspx|title=National Payments Corporation of India|website=www.npci.org.in|access-date=2017-05-16|archive-url=https://web.archive.org/web/20170517103604/http://www.npci.org.in/UPI_FAQs.aspx|archive-date=17 May 2017|url-status=dead}}</ref><ref>{{Cite news|url=http://indiatoday.intoday.in/technology/story/irctc-to-launch-new-app-for-faster-booking-of-tickets/1/851714.html|title=IRCTC to launch new app for faster booking of tickets|access-date=2017-06-07|language=en}}</ref> Some banks might, however, levy a fee for UPI or IMPS transfers.

In 2020 Indian banks have proposed transaction charges on UPI transactions,<ref>{{Cite web|url=http://www.moneycontrol.com/news/business/banks-to-start-charging-for-p2p-payments-on-upi-2298531.html|title=Banks to start charging for P2P payments on UPI|website=Moneycontrol|language=en-US|access-date=2017-06-08}}</ref> but there is no information on whether transactions through BHIM will also be charged.{{Citation needed|date=May 2021}}

==Language support==
The app currently supports 20 languages (including English), and is expected to support all 22 recognised languages of India {{Citation needed|date=May 2021}}

==Reception==
During the [[2017 Union budget of India]], Finance Minister [[Arun Jaitley]] said that the app is currently being used by over 12.5 million Indian citizens,<ref>{{cite news|url=http://www.hindustantimes.com/tech/budget-2017-jaitley-says-bhim-app-now-has-125-lakh-downloads/story-J785IjvlDQREWGztyOLPrL.html|title=Budget 2017: Jaitley says BHIM app now has 125 lakh downloads|access-date=2017-02-03|work=[[Hindustan Times]]}}</ref> and that the government will launch two new schemes to promote its use. One will be referral payments for individuals, and the other will be cashback for merchants who accept payments .<ref>{{cite news|url=http://indianexpress.com/article/technology/tech-news-technology/union-budget-2017-bhim-app-being-used-by-125-lakh-people/|title=Union Budget 2017: Govt announces two new incentives to promote BHIM app|access-date=3 February 2017|publisher=[[The Indian Express]]}}</ref>

== Security ==
In May 2020, VPNMentor, a cyber security firm disclosed that BHIM app has suffered a huge data breach leaking approximately 7.26 million Indian users personal and financial data, such as name, contact details, [[Aadhaar|Aadhaar card]], [[PAN card]], [[Reservation in India|caste certificate]], fingerprint scans, educational certificates and more. The 4.09 GB files were leaked from a CSC operated website because of misconfigured [[Amazon S3|AWS S3 bucket]], and not the official BHIM website. But [[Common Service Centres|CSC]] explicitly mentions that it is working with BHIM and [[National Payments Corporation of India|NCPI]] in partnership. VPNMentor and other cybersecurity experts confirm the data to be authentic, but BHIM and NCPI claim that the breach never took place. The issue has now been fixed.<ref>{{Cite web|date=2020-06-03|title=BHIM Data Leak Exposes 7M Indian Users Data: Risk of Fraud & Theft|url=https://www.hackreports.com/bhim-app-data-leak-exposes-7m-indian-users-sensitive-data-risk-of-financial-fraud-identity-theft/|access-date=2020-06-17|website=Hack Reports|language=en}}</ref>

==See also==
* [[National Unified USSD Platform]]

==References==
{{reflist}}

==External links==
* {{Official website|https://www.bhimupi.org.in/}}

{{Payment service providers}}
{{Banking in India}}
{{FinTech in India}}
{{Mobile payments}}

[[Category:Financial services companies established in 2016]]
[[Category:Mobile payments in India]]
[[Category:2016 establishments in India]]
[[Category:Android (operating system) software]]
[[Category:IOS software]]
[[Category:Cross-platform software]]
[[Category:Modi administration initiatives]]