Now you can use BHIM (Bharat Interface for Money) to make payments and track, manage, and split your expenses with friends and family. NPCI BHIM Services Limited (NBSL), a wholly-owned subsidiary of the National Payments Corporation of India (NPCI), has launched BHIM 3.0.

BHIM 3.0 will be fully rolled out by April 2025, making digital payments even easier. Let’s know the new and special features of BHIM 3.0.

“BHIM 3.0 represents its third evolution since its launch in 2016 by Prime Minister Narendra Modi. The new BHIM 3.0 app offers customer customer-friendly and more intuitive experience,” according to an official statement.

BHIM 3.0: What’s new for you?

  1. Availability in more than 15 Indian languages

Now BHIM 3.0 will be available in more than 15 Indian languages, so that people from different regions can use it easily.

  1. Fast transactions even on weak internet connection

BHIM 3.0 is designed to work smoothly even on slow or unstable internet connections.

  1. Complete monitoring of expenses – track, manage, and split

Now you will be able to analyze your monthly expenses, which will help you understand where you are spending the most.

Split Expenses: Now you can split expenses with friends and family, whether it is rent, food bill or any group shopping.

Spend Analytics: The dashboard of BHIM 3.0 will automatically categorize and classify your expenses, which will help you in making budget and controlling expenses.

Also read: UPI services won’t work on some mobile numbers from April 1 – Here’s why

4. Family Mode – One BHIM app for the whole family

You can add all the members of your family to the same account.

You can track their expenses and assign specific payments.

This will make the home budget and expense planning better than before.

  1. ‘Action Needed’ Alert – Now no important payment will be missed

BHIM 3.0 will remind you about things like pending bills, UPI Lite activation and low balance, so that you do not miss any important payment.

Special feature for business and shopkeepers – BHIM Vega

In-app payments: Now shopkeepers and merchants can accept payments directly in the app through BHIM 3.0.

This will not require the customer to switch to third-party apps, making the payment process easier.

Also read: UPI’s New Features: A direct threat to debit cards?

BHIM 3.0: Another step towards India’s digital future

NPCI non-executive chairman Ajay Kumar Chaudhary said that BHIM 3.0 will make digital payments more inclusive.

“BHIM has always played a key role in making digital payments secure and simple for every Indian. The launch of BHIM 3.0 is another step towards empowering millions of users, merchants, and banks, helping India move further into a digitally inclusive future,” Chaudhary said.

NPCI BHIM Services (NBSL) CEO Lalitha Nataraj said that BHIM 3.0 is built “for India” where security, simplicity and financial empowerment have been given priority.

“BHIM 3.0 is designed to meet the needs of today’s users in the fast-evolving world of digital payments. Built for Bharat, it prioritises safety, convenience, and inclusion. BHIM 3.0 will enhance the user experience while promoting financial empowerment across all sections of society,” she said.

The rollout of BHIM 3.0 will be done in a phased manner and will be available to all by April 2025. Now both digital payments and financial management will become easier and safer than ever.