Mukesh Jindal
Written by Mukesh Jindal

Bharat Interface for Money better known as BHIM is an Android and IOS based application developed by the National Payments Corporation of India (NPCI) that is based on the Unified Payment Interface (UPI). The BHIM project was launched by the Prime Minister of India Narendra Modi at New Delhi on the 30th of December 2016.

The BHIM project is named after Dr Bhimarao R. Ambedkar the man who wrote are Indian constitutions and defined laws as well as the scheme is envisioned to create e-payment access straight through banks, furthermore, the initiative is part of the 2016 Indian banknote demonetization drive and an improvement towards a cashless India.

This app that falls under the name as UPI that supports all the banks in India that use the same platform, the application is built over the Immediate Payment Service infrastructure that allows users to instantly transfer money to and fro bank accounts under the selected banks in between any two parties. The application could be used on any device.


BHIM Aadhar Payment App Features

  • A debit card or credit card is not needed by the customers to make payments through the  Aadhaar Pay application
  • This would bring an end to the need to have an internet connection, having many payment apps, or visiting POS machines
  • The aadhaar pay system would not charge customers with a Merchant Discount Rate. (MDR) is the charge paid by the merchants to a bank merchant for accepting digital transactions through credit or debit cards)

BHIM Aadhar Pay app is expected to revolutionize the whole payment system in India. While making payments using the BHIM Aadhar Pay app, customers do not have to download any app and would not even need a mobile phone to make these payments. The transactions would be authenticated using their fingerprint which is saved in the Aadhar database. Merchants can download the app from play store or iTunes.

BHIM Aadhar Payment App Download

What is UPI?

Unified Payment Interface launched by National Payment Corporation of India allows payments and money transfers using mobile phones 

How to use BHIM Aadhar Payment App or how does BHIM Aadhar Payment App work?

  1. The app may be downloaded from the play store or iTunes
  2. Once downloaded, you would have to log in using your Aadhar number and the fingerprint scanner. Once the app has been made valid, all merchants can use it to receive payments.
  3. Payments that are being accepted would require merchants to enter the Aadhar number allotted to the customer, select the bank and enter the total amount to be charged
  4. Customer would be required to place his/her finger or thumb print on the fingerprint scanner to approve the payment
  5. Once the fingerprint is found of match with the online Aadhar Database, the entire amount will directly be transferred from the customer’s account to the merchant’s bank account

Whilst using the BHIM aadhar Pay, all transactions can be made through an Aadhar-linked bank account (AEBA) itself. The BHIM Aadhar application has been made to be a highly secure app that is based on two main platforms – the Aadhar Payment Bridge (APB) and the Aadhar Enabled Payment System (AEPS).  The APB platform will act as a storehouse between the banks and customers to provide them with a smooth flow of transactions, whilst the AEPS will help in authenticating the process being done online.

Public Sector Banks and Private Banks under Aadhar Payment

  • Allahabad Bank
  • Andhra Bank
  • Axis Bank
  • Bank of Baroda
  • Bank of India
  • Canara Bank
  • Central Bank of India
  • City Union Bank (Issuer)
  • Corporation Bank
  • Dena Bank
  • Federal Bank (ONUS)
  • HDFC Bank
  • ICICI Bank
  • IDFC Bank
  • Indian Bank
  • IndusInd Bank (Acquirer)
  • Indian Overseas Bank
  • Oriental Bank of Commerce
  • Punjab National Bank
  • Punjab & Sind Bank
  • State Bank of India
  • South Indian Bank (Issuer)
  • Syndicate Bank
  • UCO Bank
  • Union Bank of India
  • United Bank of India and
  • Vijaya Bank

A requirement for This Method of Payment

The Adhaar installed application does not require any Gazette and physical things from the client. In case, a client ought to make sure to remember his/her Aadhaar number and keep their fingers clean to allow for a smooth hassle free transaction. That is sufficient from the client’s side.

Customers Requirement

  • Your Aadhar number
  • A bank account linked with Aadhar
  • Clean Fingers

Merchants Requirements

On the other side, all merchants have to make sure of arrangements. These are the requirement for the person who wants payment.

  • Smartphone
  • Reliable Internet connection
  • Aadhar Payment App
  • Fingerprint scanner
  • Bank account


The officials of the government said that almost 40 crore Aadhar numbers have already linked to bank accounts. The number is equivalent to the half of the adults in India. Link all bank accounts with the Aadhar pay app is an aim that the government has made by March 2017. If all goes well, India will see a boom towards the cashless economy.



About the author

Mukesh Jindal

Mukesh Jindal

My name is Mukesh Jindal, and I am from New Delhi, India. I am an engineer by profession. I am employed by an IT company in which I work. My topics of interest include technology, mobile, and apps.

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