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| Lalitha Nataraj, MD & CEO, NBSL |
Ludhiana, January 25, 2026 (News Team): BHIM Payments App, developed by NPCI BHIM Services Limited (NBSL), recorded strong growth in the calendar year 2025, reflecting sustained adoption and continued trust across user segments in India. In CY 2025, BHIM Payments App’s monthly transactions increased from 38.97 million in January to 165.1 million in December, representing over four-fold increase during the year, with average month-on-month growth of around 14%. Transaction value reached ₹20,854 crore in December 2025, marking over 390% increase in volume and more than 120% growth in value compared to the same period last year.
In CY 2025, Delhi ranked among the leading markets for BHIM Payments App, witnessing strong growth in small-ticket, high-frequency payments. Peer-to-peer(P2P) payments accounted for 28% of transactions in Delhi during the year, followed by groceries at 18%, fast food restaurants at 7%, eating places and restaurants at 6%, telecommunication services at 4%, service stations at 3% and online marketplaces at 2%. The App is also among the preferred apps for IPO mandates, driven by its simple interface and reliability across critical authentication flows. It is also trusted for high-value transactions, highlighting strong user confidence in its security and transaction stability.
Lalitha Nataraj, MD & CEO, NBSL, said, “BHIM Payments App is designed to meet the everyday needs of users as digital payments have become integral part of daily life. The app focuses on enabling safe, convenient, and inclusive payments, supporting frequent small-value transactions and reliable usage even in low-connectivity environments. The growth we are witnessing across key markets, including northern regions such as Delhi, Punjab, Haryana, Uttar Pradesh, and Rajasthan, reflects growing trust in BHIM Payments App’s performance, security, and overall user experience.”
The App’s feature set has been built with inclusion at its core, supporting 15+ regional languages including Hindi, Punjabi, Haryanvi and Marwari. It 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 allows users to authorise trusted contacts to make UPI payments from their account within a predefined monthly spending limit of up to INR 15,000 and an expiry duration of up to 5 years. Trusted users can make secure digital payments 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 split bills with friends and family seamlessly. Whether it is 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 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 dashboard offers an intuitive view of a user’s monthly spending patterns on the 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 the auto top-up feature, which automatically recharges the balance whenever it falls below ₹200
- Forex Payments: Users can book forex effortlessly right on their BHIM Payments App. They can compare markup prices across banks and select their preferred option, with the choice to receive forex in the form of cash or digital currency
- Prepaid Recharge: The App offers a prepaid recharge feature that allows users to recharge mobile numbers 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 the app without any additional or convenience charges
- Rewards: BHIM Payments App 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
