NPCI officially unveils BHIM 3.0 that provides enhanced features for users and new offerings for merchants

By Estuti Bajpai Published on March 26, 2025, 12:14 IST

The National Payments Corporation of India (NPCI) has officially unveiled BHIM 3.0. This is the third revolution of the app since its launch in 2016.

Ms. Lalitha Natraj, CEO, NBSL, said in a statement, 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.

What are the new features of BHIM 3.0?

BHIM 3.0 is available in 15+ Indian languages for better accessibility. It is optimized to ensure seamless transactions even with slow or unstable network connections. There are now advanced tools to track, manage, and split expenses with ease.

Enhanced features-

Split expenses: Users can now split bills with friends and family seamlessly. Whether it’s dining out, rent payments, or group purchases, the BHIM app allows users to divide expenses and make payments directly, ensuring hassle-free settlements.
Family mode: Users can now 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 new dashboard offers an intuitive view of a user’s monthly spending patterns for the spends done on the BHIM app. It automatically categorises expenses, helping users analyse and manage their budget without needing complex spreadsheets.
Action needed: A built-in task assistant that reminds users of pending bills linked to the BHIM app, prompts them to enable UPI Lite, and alerts them when their Lite balance is low. It ensures users stay on top of their financial activities.

New offerings for Merchants

BHIM Vega- A seamless in-app payment solution for merchants. This feature integrates with online merchant platforms, allowing customers to complete payments instantly within the app without switching to third-party apps.

BHIM 3.0 will be rolled out in phases across platforms, with full availability expected by April 2025.

NPCI