BHIM App Statistics 2026: Real Numbers, Big Impact

Updated on: February 4, 2026

In the ever-evolving landscape of digital payments, BHIM (Bharat Interface for Money) has emerged as a groundbreaking platform transforming the way millions of Indians transact daily. Launched in 2016, this government-backed app was designed to make digital payments accessible to all, regardless of economic background or tech-savviness. Today, BHIM stands at the forefront of India’s financial inclusion strategy, catalyzing the country’s transition into a cashless economy. With the growing influence of UPI (Unified Payments Interface), the platform has witnessed phenomenal growth, playing a crucial role in digitizing over a billion transactions in the country.

In this article, we’ll dive deep into the latest BHIM App statistics and explore its milestones, transaction volumes, and the larger trends shaping the Indian digital payment ecosystem.

Editor’s Choice

BHIM reached 165.1 million transactions in December 2025, up 323% year-over-year.
BHIM processed ₹20,854 crore ($2.5 billion) transaction value in December 2025, with 120% YoY growth.
UPI ecosystem powers over 85% of India’s retail digital payments in early 2026.
BHIM active users exceeded 128 million with 30% YoY growth into 2026.
UPI hit 700 million daily transactions on average in January 2026, led by BHIM capabilities.
BHIM merchant payments surpassed 3.8 billion transactions, with P2M at 63% of UPI volume.
P2P transactions comprised 37% of UPI volume with 22% YoY growth via BHIM.

Recent Developments

BHIM UPI Lite+ supports PIN-free payments up to a ₹5,000 wallet limit, driving microtransactions growth.
UPI 2.0 enhancements boosted recurring bill payments by 60% via QR and overdraft features.
BHIM voice-based payment system serves over 9 million users, including rural non-smartphone holders.
UPI AutoPay on BHIM processed over ₹3.8 billion in recurring payments for subscriptions and utilities.
Tier 2 and Tier 3 cities contributed 72% of BHIM transactions, up from 52% growth share.
BHIM wallet integrations enabled 35% rise in cross-platform transactions with PhonePe and Paytm.
UPI Credit on BHIM linked 11 million credit accounts, fueling ₹5.6 billion payments.
UPI Lite auto top-up mandates enable seamless reloads up to ₹5,000 for low-value use.

General BHIM App Statistics and Trends

83% of BHIM transactions are below ₹200, dominating micro-payments and daily expenses.
72% of transactions from Tier 2 and Tier 3 cities, deepening non-metro penetration.
BHIM accounts for 35% of total UPI transaction volume.
QR code payments via BHIM grew 27% year-on-year among offline merchants.

BHIM App Usage Trends and Transaction Share

BHIM App crossed 310 million downloads, ranking among India’s top digital payment apps.
Average transaction time under 2.5 seconds, upholding high-speed payment reputation.
App supports 18 regional languages, enhancing accessibility across diverse India.
BHIM hit 135.9 million transactions in October 2025, with a ₹20,026 crore value.

Number of Transactions Done through BHIM in India

BHIM processed over 10.5 billion transactions in 2025.
Average monthly transactions reached 165.1 million in December 2025.
BHIM hit 2.6 billion transactions during the Diwali 2025 season.
P2P transactions comprised 67% of total BHIM volume.
Merchant payments exceeded 3.8 billion transactions.
Rural areas contributed 45% of the BHIM total volume.
Daily transactions consistently surpass 35 million.
The monthly count grew 323% from 38.97 million in January to 165.1 million in December.

UPI Market Share Breakdown

PhonePe leads UPI with 45.3% volume share in December 2025.
Google Pay holds 34.6% market share in UPI transactions.
Paytm accounts for 7.6% of the UPI market share.
BHIM government app maintains 0.49% UPI share amid competition.
Other UPI apps represent 12.01% collective market share.

UPI Transaction Market Share by Leading Apps

Transaction Volume and Value Trends

Average transaction value on BHIM reached ₹1,338 in December 2025 (₹20,854 crore / 165.1 million).
Cumulative transaction value crossed ₹76 trillion in 2025, with 26% YoY growth.
P2M transaction volume surged 38%, totaling ₹24 trillion in value.
Microtransactions below ₹100 rose 12%, accounting for over 28% of daily transactions.
Average daily transaction value exceeded ₹620 billion during peak periods.
UPI AutoPay within BHIM contributed ₹14.3 billion in recurring payments.
International remittances via BHIM grew 25% in key corridors, India-UAE and Singapore.

Share of Payment Systems in India

BHIM UPI holds 70.2% of the total transaction volume, dominating digital payments.
PPI accounts for 4.5% of payments via prepaid wallets.
NEFT contributes 3.8% to the total volume for interbank transfers.
IMPS makes up 2.6% with real-time banking capabilities.
NACH holds 2.2% share for bulk salary and utility payments.
Credit card transactions represent 2.1% of volume.
NETC contributes 1.9% for FASTag toll collections.
Debit cards account for 1.5% of transaction volume.
Internet banking holds 1.4% share for online transfers.
Mobile banking stands at 1.2% beyond UPI apps.

Transaction Volume Share By Payment System In India

UPI Fraud Statistics

UPI fraud cases rose 21% to over 115,000 reported incidents in 2025.
Phishing attacks comprised 37% of total UPI fraud cases.
SIM swaps caused 16% rise in unauthorized UPI transactions.
99.92% of UPI transactions remained secure thanks to BHIM security.
NPCI reported 26% drop in BHIM fraud after risk detection rollout.
Fraudulent merchant links accounted for 22% of cases.
Awareness campaign reduced fraud 18% in rural high-risk zones.

Traffic Sources for bhimupi.org.in

Organic Search contributes 55.59% of traffic, mainly from Google.
Direct traffic accounts for 18.63% of visits.
Referrals generate 1.78% of total traffic.
Social media contributes 0.54% to site visits.
Display ads provide 0.09% of traffic.

Traffic Share by Source for bhimupi.org.in

Foreign Collaboration and Global Expansion

BHIM cross-border UPI with Singapore PayNow expanded to 19 Indian banks by July 2025.
UAE integration enabled UPI remittances for Indian expats and tourists.
BHIM is operational in 14 countries, including Bhutan, Nepal, Mauritius, France, and Kenya.
PayNow partnership drove 42% increase in India-Singapore remittances.
NIPL targets 20 countries by the end of 2025 across Europe and Africa.
Over 2.1 million Indian expats use BHIM remittances, avg ₹12,500 per transaction.
BHIM RuPay integration powered ₹3.6 billion overseas payments by tourists.
Trinidad and Tobago joined, the first Caribbean nation to join BHIM UPI.

Frequently Asked Questions (FAQs)

How many monthly transactions did the BHIM Payments App process in December 2025?

165.1 million monthly transactions in December 2025.

What share of UPI IPO payments was routed through BHIM?

~9–10% of IPO UPI payments were routed via the BHIM app.

What was BHIM’s financial performance in FY 2025 (revenue vs. loss)?

BHIM reported ≈₹4 crore revenue and ₹68 crore loss in FY 2025.

Conclusion

BHIM continues to play a pivotal role in India’s digital payments revolution, backed by a robust UPI ecosystem. From significant transaction milestones to its growing global footprint, BHIM is not only driving financial inclusion but also setting new benchmarks in digital payments. With continued innovation, such as UPI Lite, voice-based payments, and cross-border collaborations, BHIM is poised to further expand its reach both within and outside of India. The app’s resilience and adaptability make it a key player in shaping the future of India’s cashless economy.