BHIM UPI Based Application ke bare Me janiye

Kuch din pahle hi hamare PM Shri Narendra Modi ne Digital payments ke liye ek New App launch ki hai jiska name hai – BHIM (Bhrata Interface for Money). Yah App abhi Android par available hai, iOS and windowsphone ke liye abhi available nahi hai.

Aaj main aapko BHIM App ke bare me poori jaankari dene ja raha hu taki aapko iske bare me detail me pata chal sake aur iska use karne me koi problem na ho.

BHIM App kya hai?

BHIM – ek Digital payment solution app hai jisko NPCI (National Payments Corporation of India) ne launch kiya hai. BHIM Application UPI (Unified Payments Interface) par work karti hai. BHIM App ka use karne ke liye aapko sirf apne bank Account se registered Mobile number se bank account link karna hai hai aur uske jariye aap online transactions kar sakte hain.

BHIM App ke jariye aap kisi bhi bank account me money send and receive kar sakte hain. Aap IFSC and MMID code ka use karke bhi money send kar sakte hain. Iske sath-sath Application me QR code scanning ki facility bhi hai jiske jariye aap kisi bhi person ko direct payment kar sakte hain aur sath hi apne QR code ke jariye payment receive bhi kar sakte hain.

BHIM App par aap kya kar sakte hain?

BHIM App ko digital payment ke liye launch kiya gaya hai. Simple language me kahu to aap online money send and receive kar sakte hain apne smartphone par.

Yah Application online fund send and receive karne ke liye aapko kayi options provide karti hai.

Suppose aapko kisi bank account me paisa transfer karna hai to aap uska account number and IFSC code enter kar fund transfer kar sakte hain.

Suppose aapko kisi shop par paisa pay karna hai aur wo shopkeeper bhi BHIM app use karta hai to aap QR code scan kar pay kar sakte hain, bus aise hi agar aap shopkeeper hain to aap payment receive kar sakte hain.

Aap apne Bank account ka total available balance bhi check kar sakte hain aur last transaction details bhi dekh sakte hain.

BHIM App other Wallet App se Different hai

Agar aap aisa soch rahe hain ki BHIM App other digital wallet like payTM and mobikwik ki tarah hai to aap wrong hai. Yah App other wallet se bilkul alag hai.

PayTM and mobikwik jaisi wallet apps me aapko pahle wallet me money add karna padta hai aur fir baad me aap wo money kisi bhi bank account me transfer kar sakte hain ya fir paytM to payTM transfer kar sakte hain. Lekin aap PayTM to Mobikwik wallet me money send nahi kar sakte.

BHIM App UPI based App hai jo ki direct aapke bank account se linked hoti hai. Yani ki aap kisi bhi person ko money send kar sakte hain, yah jaroori nahi ki uske paas BHIM app install ho to hi aap paisa send kar sakte hain. BHIM app ke jariye aap jisko paisa send kar rahe hain uske paas sirf bank account hona jaroori hai aur kuch nahi.

Agar saamne wale person ke paas bhi UPI activated hai to aap uska VPA (Virtual payment address) lekar usko money send kar sakte hain. For example, mere SBI account me UPI activated hai aur mera VPA address hai rohit@sbi, ab is VPA address par BHIM aap ke jariye mujhe koi bhi money send kar sakta hai. Lekin agar mere paas UPI activated nahi hai to bhi saamne wala person mujhe IFSC and MMID se paisa send kar sakta hai.

UPI based payments me aapko apna account number remember rakhne ki jarurat nahi hai aur na hi kisi ke sath share karne ki jarurat hai. Bus aapke paas VPA (virtual payment address) hona chahiye. Aap Maximum per transaction Rs.10,000 kisi ko send kar sakte hain aur withing 24 hours me aap Rs.24,000 money send kar sakte hain.

BHIM App se Money Send/Receive karne ke Liye Options

BHIM App me money send and receive karne ke liye aapko jyada details ki jarurat nahi. Aap kayi tarah se kisi bhi bank account me money transfer kar sakte hain.

Dekhiye kaise?

1. Mobile Number: Money send and receive karne ke liye aapka Bank se registered Mobile number kafi hai. Yah option tabhi work karega jab saamne wala person bhi UPI use karta ho.
2. MMID: MMID (Mobile  money identifier) agar aapke paas hai to uske jariye bhi aap fund transfer kar sakte hain.
3. IFSC & Account Number: Aapke bank account number aur IFSC code ka use karke bhi fund transfer kar sakte hain.
4. VPA (Virtual payment Address): UPI based payments me aapko VPA provide kiya jata hai jiske jariye bhi aap money send/receive kar sakte hain.
5. QR Code: Saamne wale person ke paas agar BHIM app installed hai to uska QR code scan kar aap pay kar sakte hain.

BHIM App Supported Banks List

BHIM App ko almost sabhi Banks support karti hain jinme shamil hai Allahabad Bank, Andhra Bank, Axis Bank, Bank of Baroda, Bank of Maharashtra, Canara Bank, Catholic Syrian Bank, Central Bank of India, DCB Bank, Dena Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank, IDFC Bank, Indian Bank, Indian Overseas Bank, IndusInd Bank, Karnataka Bank, Karur Vysya Bank, Kotak Mahindra Bank, Oriental Bank of Commerce, Punjab National Bank, RBL Bank, South Indian Bank, Standard Chartered Bank, State Bank of India, Syndicate Bank, Union Bank of India, United Bank of India, and Vijaya Bank.

BHIM App kaise Work karti hai?

BHIM App ka use karna bahut easy hai aur jyada confusion wala kaam nahi hai.

Sabse pahle aapko Android play store se BHIM Application download & install karna hai.

• Application ko Install karne ke baad open kare.
• Ab aapke Mobile number ko verify kiya jayega SMS ke jariye. Dhyaan rahe wo hi Mobile Number verify kare jo aapke Bank se registered hai.

• Mobile Number verify hone ke baad aapko BHIM App me login karne ke liye Passcode set karna hai
• Ab aapko Bank lists me se apni Bank ko select karna hai.
• Bank ko select karte hi BHIM app aapke Bank account ko detect kar screen par show karegi.

• Bank Account par tap kar select kare aur Bank account ke liye UPI PIN set kare. UPI pin ka use transactions ke samay hota hai jo ki aapko enter karna padta hai. UPI PIN Set karne ke liye aapko apna ATM/Debit card ka last 6 digit and expiry date enter karna hai.

UPI PIN set karne ke baad ab aap kisi ko bhi paisa send kar sakte hain IFSC and QR Code ke jariye. Home screen par aap Send, Request aur Scan & Pay ka option dekh sakte hain.

Agar aapko virtual payment address se money transfer karna hai to pahle aapko VPA set karna hoga. VPA default available hota hai, aap chahe to second VPA bhi create kar sakte hain.

VPA (virtual Payment Address) kya hai?

UPI based payments me aap apna Virtual payment address (VPA) create kar sakte hain. VPA ka sabse bada benefit yah hai ki aapko apna bank account number remember karne ki jarurat nahi aur sath me bank details kisi ke sath share karne ki  jarurat nahi. Aapko sirf apna VPA address share karna hota hai money send and receive ke liye.

VPA address kuch is tarah hota hai. rohit99@sbi, rohit88@kotak ya fir 7797979@upi.

UPI address aap khud create kar sakte hain. BHIM App me aapko default VPA provide kiya jata hai jisme aapka registered Mobile number set hota hai. Aap apna second VPA address bhi generate kar sakte hain.

Suppose aapko mujhe BHIM App ke jariye money send karna hai to aapko mera VPA rohit99@upi enter karna hai aur kuch nahi.

VPA jaroori hai money transfer ke liye?

Nahi. BHIM App me aap Bank account number and IFSC code ka use karke bhi fund transfer kar sakte hain. Aap kisi bhi UPI activated Mobile number ko bhi money send kar sakte hain aur sath-sath QR code ko scan kar bhi pay kar sakte hain.

Final Words

To dosto yah to maine BHIM app ke bare me aapko little basic information batayi hai.

Meri agli post me main aapko bataunga ki BHIM App ka aap use kaise kare wo bhi step by step. Abhi yah App new hai isliye kafi improvements and new features isme include ki jayengi.

Digital payment karne ke liye yah App coming days me kafi helpful saabit hogi kyun ki isme aapko wo sab extra work nahi karna padta to aksar online fund transfer karne ke liye aapko karna padta hai.