By 121 News
Chandigarh, Dec.03, 2025:-BHIM Payments App, developed by NPCI BHIM Services Limited (NBSL), has introduced eight new features in CY25, strengthening user experience across everyday digital payments. The additions include UPI Circle, Split Expenses, Spends Analytics, Family Mode, UPI Lite Auto-Top Up, Forex Payments, Prepaid Recharge, and Rewards, aiming to make payments easier, secure, and more intuitive for users across India.
The enhancements come at a time when BHIM has recorded a 3X surge in monthly transactions between January and October 2025, marking continued growth in digital payment usage. Monthly transactions increased from 38.97 million in January 2025 to 135.90 million in October 2025, with transaction value touching ₹20,026 crore in October 2025.
While BHIM Payments App has traditionally been preferred for high-value transactions, the app is also seeing strong growth in small-ticket, high-frequency payments like groceries, medicines, fuel, public transport and more, highlighting rising consumer trust in its convenience and transaction speed. BHIM is also among the top preferred apps for IPO mandates, driven by a simple interface and reliability across high-value authentication flows.
Lalitha Nataraj, MD & CEO, NBSL said that BHIM Payments App is designed with the everyday Indian user at its centre. The new features focus on real usage, small-value transactions, shared expenses, budgeting and family needs, helping people transition to digital payments naturally. The growth we are witnessing across key markets, including northern regions like Punjab, Haryana, Himachal Pradesh and Chandigarh, reflects increasing trust in BHIM's reliability, security, and experience.
The introduction of Spends Analytics reflects a growing consumer need for built-in budgeting and financial insights within payments apps. The feature provides users a monthly snapshot of their BHIM spends, automatically categorised to help them track and plan more effectively. With UPI Lite Auto-Top Up, users can now ensure their Lite balance remains available without repeated manual reloads, enabling faster PIN-free payments for day-to-day purchases.
BHIM's feature set has also been built with inclusion at its core. The app supports 15+ regional languages including Punjabi and is optimised for low-connectivity environments, enabling deeper digital payments adoption across rural and semi-urban user groups. Reward-led adoption and merchant partnerships continue to build platform stickiness across new and existing user segments.
Feature Highlights
• UPI Circle: UPI Circle Full Delegation, which allows users to authorise trusted contacts to make UPI payments from their account within a predefined monthly spending limit of up to INR 15000 and an expiry duration of 5 years. Trusted users can make secure digital payment without needing their own bank linked UPI ID or bank account. This new feature enables smoother day-to-day digital payments among families, dependents, or staff while maintaining clear oversight of all transactions
• Split Expenses: Users can now split bills with friends and family seamlessly. Whether it's dining out, rent payments, or group purchases, the app allows users to divide expenses and make payments directly, ensuring hassle-free settlements.
• Family Mode: Users can now onboard family members, track shared expenses, and assign specific payments. This feature enables better financial planning by giving families a consolidated view of their expenses.
• Spends Analytics: The new dashboard offers an intuitive view of a user's monthly spending patterns for the spends done on BHIM Payments App. It automatically categorises expenses, helping users analyse and manage their budget without needing complex spreadsheets.
• UPI Lite Auto-Top Up: Users can turn on auto top-up feature and it will automatically recharge it whenever the balance falls below ₹200
• Forex Payments: Users can book forex effortlessly right on their BHIM app. They can compare markup prices across banks and pick the one they prefer. There is also an option to get it in the form of Cash & Digital Currency both.
• Prepaid Recharge: BHIM Payments App offers prepaid recharge feature where users can make recharge for the number associated with the network operator. They can also recharge for their friends and family. Users need to choose the plan and simply complete the process on BHIM without any added or convenience charge.
• Rewards: BHIM offers assured rewards on eligible transactions, encouraging users to adopt digital payments more confidently. The rewards experience is designed to make everyday payments simpler, engaging, and more value-driven for users.
