Bharat interface for money (BHIM)

ENABLING UPI ON USSD

The BHIM app is Bank in Mobile!

No need of a smart phone – it operates on any phone.
No need of internet – it operates on SMS.
Your mobile number becomes your payment address (PA)
Combines the convenience of doing all banking transactions even using
the ordinary phone, irrespective of the Bank where your account is held.

What do you need for BHIM to work?

 Have a bank account
 One mobile phone of any type – with SIM card
 Linking of mobile number with the bank account (to be done at
the branch level) – one mobile number links with only one
account.

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  Allahabad  Canara Bank  Federal Bank
Bank  Catholic Syrian  HDFC Bank
 Andhra Bank Bank  ICICI Bank
 Axis Bank  Central Bank of  IDBI Bank
 Bank of India  IDFC Bank
Baroda  DCB Bank
 Bank of  Dena Bank
Maharashtra
 Indian Bank  Kotak Mahindra 1. Standard
 Indian Bank Chartered Bank
Overseas Bank  Oriental Bank of 2. State Bank of
 IndusInd Bank Commerce India
 Karnataka  Punjab National 3. Syndicate Bank
Bank Bank 4. Union Bank of
 Karur Vysya  RBL Bank India
Bank  South Indian 5. United Bank of
Bank India
6. Vijaya Bank

If you are having a smart phone, this is how it works

Download the BHIM app from the Google Play store

1. Once the app is opened, you have to set PIN of your choice
2. Select the Bank (currently only 31 banks are linked)

3. You can send, receive and scan/pay using this app in 3 easy steps

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 Step 1:

Step 2: Set UPI Pin

Step 3: Setting up UPI PIN:

 Write last 6 digits of Debit Card
 Note the validity date
 Set a 6 digit pin

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Sending Money
● You open the App on your smartphone.
● Click on Send money.
● Enter Mobile or VPA or Aadhaar Number (of the person to be paid)
○ App automatically adds @upi for the user if he enters mobile
number.
○ The user clicks on verify for payment address.
● You can also select send using IFSC or MMID from menu
● Upon verification you enter the amount to send.
● Enter remarks if needed.
● Enter UPI Pin,
● Confirmation Message Shown.

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Requesting Money
● The shop-keeper opens his App on his smartphone.
● Clicks on Receive money.
● Enters your Mobile Number or Aadhaar number (for Aadhaar
linked accounts using @UPI handle) to collect money.
● Enter the amount.
● A collect request is sent to the recipient on their respective app.

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Scan & Pay

● You open the App on your smartphone.

● Click on Scan & Pay.
● Scan QR Code with the shop-keeper.
● Upon verification enter the amount to send.
● Enter remarks if needed.
● Enter UPI Pin.
● Confirmation Message Shown.

If you are NOT having a smart phone, but only a feature phone,
this is how it works

No smart phone? No problem! The same functions can be done using

the SMS system from your feature phone: This is how it works:

Step 1: Registration
 Dial *99#
 Select a language, the system shows all bank accounts linked to
the mobile number.

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  Select account and confirm. The ID mobile@upi is automatically
created.

Step 2: Set UPI PIN

 No UPI PIN is required for receiving money.
 Enter {last 6 numbers of the debit cards} {expiry date MMYY}
separated by single space.
 Enter the 4 digit UPI PIN and then re-enter.

Financial Transactions
 Dial *99#. It shows the following options
1. Send Money
2. Request Money
3. Check Balance
4. My Profile
5. Pending Requests
6. Transactions
7. UPI PIN

Money can be sent using mobile number, Aadhaar number, IFSC &
Account number, MMID & Mobile Number, VPA (Virtual Payment
Address, e.g., mobile@upi) and following subsequent easy to
understand instruction.

Requesting Money

 Dial *99# and choose option “request money”.

 Enter mobile number from whom to receive money and follow
easy instructions till a confirmation is received.

Other functions

 By selecting other options of the first menu that is shown on

dialing *99#, the user can easily check the balance, respond to
pending requests, change the bank account (through my
profile), see all the transactions, reset the UPI PIN, etc.

*****

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