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भीम

विकिपीडिया से

टेम्पलेट:Short description

अन्य अर्थ खातिर, भीम (बहुअर्थी) देखल जाय।

टेम्पलेट:Use Indian English

BHIM (Bharat Interface for Money)
डेवलपरNPCI
शुरुआती रिलीज30 दिसंबर 2016; 7 साल पहिले (2016-12-30)
Stable release(s)
Android3.7.4 / 19 जुलाई 2024; 4 महीना पहिले (2024-07-19)
iOS3.7.4 / 22 जुलाई 2024; 4 महीना पहिले (2024-07-22)
ऑपरेटिंग सिस्टम
प्लेटफॉर्म
Size26 MB
एविलेबल बाटे20 languages
किसिमMobile app
लाइसेंसOpen source
वेबसाइटwww.bhimupi.org.in एकरा के विकिडेटा पर संपादित करीं

BHIM (Bharat Interface for Money) is an Indian state-owned mobile payment app developed by the National Payments Corporation of India (NPCI), based on the Unified Payments Interface (UPI). Launched on 30 December 2016,[1] it is intended to facilitate e-payments directly through banks and encourage cashless transactions.[2][3] The application supports all Indian banks which use UPI, which is built over the Immediate Payment Service (IMPS) infrastructure and allows the user to instantly transfer money between 170 member banks[4] of any two parties.[5] It can be used on all mobile devices.[6]

Operation

[संपादन करीं]

BHIM allows users to send or receive money to or from UPI payment addresses, or to non-UPI based accounts (by scanning a QR code with account number and IFS code or MMID code).[7]

Unlike mobile wallets (Paytm, MobiKwik, M-Pesa, Airtel Money, etc.) which hold money,[8] the BHIM app is only a mechanism which transfers money between different bank accounts. Transactions on BHIM are nearly instantaneous and can be done at any time, including weekends and bank holidays.

BHIM now also allows users to send or receive digital payments through Aadhaar authentication.[9] BHIM will be made available on Open Network for Digital Commerce (ONDC) in an effort to challenge PhonePe and Google Pay's hegemony.[10]

On-device wallet

[संपादन करीं]

On September 20, RBI governor Shaktikanta Das officially launched an on-device wallet called UPI Lite at Global Fintech Fest 2022. As per NPCI, some of the early use cases involve FASTag recharges, insurance payments, and EMI collections offline. Canara Bank, HDFC Bank, Indian Bank, Kotak Mahindra Bank, Punjab National Bank, State Bank of India, Union Bank of India and Utkarsh Small Finance Bank enabled UPI Lite feature on BHIM.[11]

Transaction fees and limits

[संपादन करीं]

Currently, there is no charge for transactions from ₹1 to ₹100,000.[12][13] Some banks might, however, levy a fee for UPI or IMPS transfers.

In 2017, Indian banks proposed transaction charges on UPI transactions,[14] but there is no information on whether transactions through BHIM will also be charged.[15]

Language support

[संपादन करीं]

जनवरी 2023 तक ले the app supports 20 languages (including English), and is expected to support all 22 recognised languages of India.[16]

License

[संपादन करीं]

NPCI on 9 November 2022 announced that the BHIM app will use an open source license model. All regulated financial entities can now use the source code and in the future release the same functionalities that the BHIM app uses.[17]

Reception

[संपादन करीं]

During the 2017 Union budget of India, Finance Minister Arun Jaitley said that the app is currently being used by over 12.5 million Indian citizens,[18] and that the government will launch two new schemes to promote its use. One will be referral payments for individuals, and the other will be cashback for merchants who accept payments.[19] In October 2021, the BHIM UPI platform surpassed a record of $100 billion in value (₹7.71 lakh crore) with over 4.2 billion digital transactions.[20] Earlier in 2021, Bhutan became the first country to adopt the BHIM UPI for their digital transactions after the approval of the Royal Monetary Authority of Bhutan.[21]

Security

[संपादन करीं]

In May 2020, VPNMentor, a cyber security firm, disclosed that the BHIM app suffered a huge data breach leaking approximately 7.26 million Indian users' personal and financial data, such as name, contact details, Aadhaar card, PAN card, caste certificate, fingerprint scans, educational certificates and more. The 4.09 GB files were leaked from a CSC operated website because of a misconfigured AWS S3 bucket, and not the official BHIM website. CSC explicitly mentioned, however, that it is working with BHIM and NPCI in partnership. VPNMentor and other cybersecurity experts confirm the data to be authentic, but BHIM and NPCI claim that the breach never took place. The issue has now been fixed.[22]

See also

[संपादन करीं]

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References

[संपादन करीं]
  1. ↑ S, Arun (30 दिसंबर 2016). "Modi launches mobile payment app". The Hindu.
  2. ↑ "People can now bank with thumb using BHIM app: PM Modi at Digi Dhan Mela". The Indian Express. 30 दिसंबर 2016. Retrieved 31 दिसंबर 2016.
  3. ↑ "Modi launches app, says your thumb will act as your bank". Hindustan Times (अंग्रेजी में). 30 दिसंबर 2016. Retrieved 18 नवंबर 2022.
  4. ↑ "BHIM (Bharat Interface for Money) | Digital India Programme | Ministry of Electronics & Information Technology(MeitY) Government of India". digitalindia.gov.in. Retrieved 10 दिसंबर 2021.
  5. ↑ "IMPS Live Members | NPCI - National Payments Corporation of India". www.npci.org.in. Retrieved 4 फरवरी 2022.
  6. ↑ "Modi launches app, says your thumb will act as your bank | india-news". Hindustan Times. Retrieved 3 दिसंबर 2016.
  7. ↑ "BHIM UPI Official website". National Payments Corporation of India (NPCI). 12 जनवरी 2017. Archived from the original on 29 जनवरी 2019. Retrieved 12 जनवरी 2017.
  8. ↑ "How is BHIM app different from mobile wallets- Business News". businesstoday.in. 23 फरवरी 2017. Retrieved 7 जून 2017.
  9. ↑ "How to transfer money using Aadhaar number via BHIM App: Follow steps". India Today (अंग्रेजी में). 3 जुलाई 2020. Retrieved 19 जुलाई 2020.
  10. ↑ P, Suraksha (4 मई 2024). "BHIM looks to bulk up with ONDC to take on digital payment heavyweights". The Economic Times. ISSN 0013-0389. Retrieved 5 मई 2024.
  11. ↑ Chanchal (20 सितंबर 2022). "UPI Lite among key digital payment initiatives launched: Here's how it works". mint (अंग्रेजी में). Retrieved 21 सितंबर 2022.
  12. ↑ "National Payments Corporation of India". npci.org.in. Archived from the original on 17 मई 2017. Retrieved 16 मई 2017.
  13. ↑ "IRCTC to launch new app for faster booking of tickets" (अंग्रेजी में). Retrieved 7 जून 2017.
  14. ↑ "Banks to start charging for P2P payments on UPI". Moneycontrol (अमेरिकी अंग्रेजी में). 6 जून 2017. Retrieved 8 जून 2017.
  15. ↑ "BHIM UPI charges: Digital payments to get cheaper; No fee for transactions below Rs 100". Zee Business. 31 अगस्त 2019. Retrieved 21 सितंबर 2022.
  16. ↑ "BHIM Anniversary Edition". BHIM UPI. Retrieved 21 सितंबर 2022.
  17. ↑ "NPCI announces BHIM app open-source license model". mint (अंग्रेजी में). 9 नवंबर 2022. Retrieved 11 नवंबर 2022.
  18. ↑ "Budget 2017: Jaitley says BHIM app now has 125 lakh downloads". Hindustan Times. Retrieved 3 फरवरी 2017.
  19. ↑ "Union Budget 2017: Govt announces two new incentives to promote BHIM app". The Indian Express. Retrieved 3 फरवरी 2017.
  20. ↑ "UPI Transactions Value Crosses Record $100 Billion In October, On Track To End FY22 At Over $1 Trillion". Moneycontrol (अंग्रेजी में). नवंबर 2021. Retrieved 10 दिसंबर 2021.
  21. ↑ Ohri, Nikunj (13 जुलाई 2021). "Bhutan first country to adopt UPI; FM hails platform's role during lockdown". Business Standard India. Retrieved 10 दिसंबर 2021.
  22. ↑ "BHIM Data Leak Exposes 7M Indian Users Data: Risk of Fraud & Theft". Hack Reports (अंग्रेजी में). 3 जून 2020. Retrieved 17 जून 2020.
[संपादन करीं]

टेम्पलेट:Payment service providers टेम्पलेट:Banking in India टेम्पलेट:FinTech in India टेम्पलेट:Mobile payments

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