Social ,27 Apr 2025

BHIM UPI 3.0: Transforming Digital Payments in India

The Bharat Interface for Money (BHIM) app, introduced in 2016, has been a cornerstone in India's digital payment revolution. In March 2025, the National Payments Corporation of India (NPCI) unveiled BHIM 3.0, marking a significant upgrade aimed at enhancing user experience, financial management, and merchant interactions. This comprehensive guide delves into the new features and improvements that BHIM 3.0 brings to the table.​

 

Key Features of BHIM 3.0

1. Split Expenses

BHIM 3.0 introduces a 'Split Expenses' feature, allowing users to divide bills seamlessly with friends and family. Whether it's dining out, rent, or group purchases, this feature simplifies shared expenses by enabling direct payment requests within the app. Payments are settled instantly, eliminating the need for manual calculations or follow-ups.  

2. Family Mode

The new 'Family Mode' enables users to onboard family members, track shared expenses, and assign specific payments. This consolidated view aids in better financial planning and management of household expenses. ​

3. Spends Analytics Dashboard

A redesigned dashboard offers users an intuitive view of their monthly spending patterns. Transactions are automatically categorized, helping users analyze and manage their budgets effectively without relying on external tools. ​

4. Enhanced Accessibility

BHIM 3.0 supports over 15 Indian languages, ensuring broader accessibility. Additionally, the app is optimized to function smoothly even in areas with low or unstable internet connectivity, promoting digital inclusion across diverse regions. ​NPCI

5. Action Needed Assistant

A built-in assistant notifies users of pending bills linked to the BHIM app, prompts them to enable UPI Lite, and alerts them when their Lite balance is low. This feature ensures users stay on top of their financial activities. ​The Times of India

6. BHIM Vega for Merchants

For businesses, BHIM 3.0 introduces 'BHIM Vega,' an in-app payment solution that integrates with online merchant platforms. This allows customers to complete payments instantly within the app, enhancing the merchant-customer transaction experience. ​

 

Rollout and Availability

BHIM 3.0 is being rolled out in phases across various platforms, with full availability expected by April 2025. The phased rollout ensures a smooth transition for users and allows for feedback-driven improvements. ​

 

Impact on Digital Payments Landscape

The introduction of BHIM 3.0 signifies a strategic move to reclaim and expand BHIM's footprint in India's digital payments ecosystem. With features catering to both individual users and merchants, BHIM 3.0 aims to provide a comprehensive, user-friendly, and inclusive digital payment solution.​

 

Conclusion

BHIM 3.0 represents a significant leap forward in India's digital payment infrastructure. By focusing on user-centric features, enhanced accessibility, and merchant-friendly tools, BHIM 3.0 is poised to play a crucial role in advancing India's journey towards a cashless economy.