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 for 2025, and explore its milestones, transaction volumes, and the larger trends shaping the Indian digital payment ecosystem.
Editor’s Choice: Key Transaction Milestones
- BHIM surpassed 3.1 billion transactions in March 2025, marking its most significant milestone since launch.
- Over $210 billion in transaction value was processed via BHIM in Q1 2025, reflecting a 19% year-on-year growth.
- The UPI ecosystem, led by BHIM, now powers over 68% of all digital transactions across India.
- BHIM App user base jumped, reaching over 128 million active users in 2025.
- In February 2025, BHIM handled 520 million transactions in a single day, reinforcing its real-time processing capability.
- More than 260 million merchant payments were made through BHIM in 2025, highlighting deeper adoption by small businesses.
- P2P transaction volume rose by 22% year-over-year, solidifying it as BHIM’s most dynamic use case in 2025.
General BHIM App Statistics and Trends
- As of 2025, the BHIM App has crossed 310 million downloads, cementing its status as one of India’s most-used digital payment apps.
- 83% of BHIM transactions are below ₹200, confirming its dominance in micro-payments and daily expenses.
- 72% of transactions now come from Tier 2 and Tier 3 cities, proving its continued penetration into non-metro regions.
- The average transaction time remains under 2.5 seconds, maintaining BHIM’s reputation for high-speed payments.
- In 202,5 BHIM accounts for 31% of total UPI transactions, continuing to play a key role in India’s digital payments boom.
- QR code payments via BHIM grew by 27% year-on-year, highlighting its increasing usage among offline retail merchants.
- The app now supports 18 regional languages, boosting its accessibility and inclusion across India’s diverse population.
UPI Market Share Breakdown
- PhonePe leads the UPI market with a dominant 49% share, making it the most used platform for UPI transactions in India.
- Google Pay holds the second spot with a strong 32% market share, reflecting its wide user adoption across the country.
- Paytm accounts for 5% of the UPI market, maintaining a modest presence amid growing competition.
- BHIM, the government-backed app, has a minimal share of just 0.49%, showing limited traction among users.
- Other UPI apps collectively represent 11.51%, indicating some level of market fragmentation beyond the top players.
Number of Transactions Done through BHIM in India
- In 2025, BHIM processed over 10.5 billion transactions, reaffirming its integral role in India’s digital payment landscape.
- The average monthly transaction count grew by 18% in 2025, reaching 825 million transactions per month.
- During the Diwali 2025 season, BHIM hit a record 2.6 billion transactions, fueled by festive shopping surges.
- P2P transactions made up 67% of total BHIM volume in 2025, showing strong user preference for personal transfers.
- Merchant payments exceeded 3.8 billion transactions in 2025, signaling BHIM’s expanding influence in retail and business payments.
- Rural areas now contribute 45% of BHIM’s total volume, advancing its financial inclusion mission in underserved regions.
- The daily transaction count consistently surpasses 35 million in 2025, reflecting stable and growing user engagement.
Market Share in the UPI Ecosystem
- BHIM holds an estimated 35% market share of total UPI transactions in India.
- Despite the entry of competitors like Google Pay and PhonePe, BHIM has maintained its foothold, with a 20% increase in its market share.
- BHIM was responsible for processing nearly ₹8 trillion worth of transactions, cementing its place as a key player in the UPI ecosystem.
- In terms of user base, BHIM saw a 30% growth year-on-year, expanding its active user base to over 110 million.
- Among government-backed digital payment platforms, BHIM continues to dominate with a 55% share, while other platforms lag.
- BHIM has become the preferred choice for 30% of small and medium enterprises (SMEs) in India, particularly for its ease of integration with UPI and its seamless QR code payment system.
- Mobile-first usage dominates the BHIM app ecosystem, with over 90% of users accessing the platform exclusively via smartphones.
Transaction Volume and Value Trends
- In 2025, the average transaction value on BHIM increased to ₹1,720, reflecting a 14% rise over 2024.
- The cumulative transaction value processed by BHIM crossed ₹76 trillion in 2025, registering a 26% year-on-year growth.
- P2M transaction volume surged by 38% in 2025, totaling ₹24 trillion in value, indicating strong merchant-side momentum.
- Microtransactions below ₹100 rose by 12%, now accounting for over 28% of BHIM’s daily transactions in 2025.
- The average daily transaction volume exceeded ₹620 billion in 2025, bolstered by high-volume festive and travel periods.
- UPI AutoPay within BHIM contributed ₹14.3 billion in recurring payments in 2025, showing deeper integration in subscription billing.
- International remittances via BHIM grew by 25% in 2025, especially across India-UAE, India-Singapore, and India-Nepal corridors.
Share of Payment Systems in India
- BHIM UPI holds 67.52% of the total transaction volume. This makes it the most widely used digital payment method across India.
- PPI accounts for 4.82% of payments. These include prepaid wallets and stored-value cards used for purchases.
- NEFT contributes 3.99% to the total volume. It remains relevant for scheduled interbank fund transfers.
- IMPS makes up 2.79% of the payment volume. Its real-time transfer capability keeps it popular for instant banking.
- NACH holds a 2.31% share. It is primarily used for bulk payments like salaries and utility bills.
- Credit card transactions represent 2.07% of the volume. This shows a steady use of credit-based spending.
- NETC contributes 1.82% to the total. It facilitates automated toll payments through FASTag.
- Debit cards account for 1.61% of transaction volume. They are less favored now compared to digital-first options like UPI.
- Internet banking holds a 1.56% share. It’s used for online fund transfers and bill payments.
- Mobile banking stands at 1.27%. This includes app-based banking beyond UPI functionality.
- AEPS makes up 0.53% of the total. It supports biometric-based transactions under Aadhaar.
- Closed-loop wallets contribute 0.20%. These are typically brand-specific and have limited use cases.
- Other systems form 9.34% of the total volume. This category includes legacy or niche payment platforms.
Which Bank Has the Most Share in UPI?
- State Bank of India (SBI) maintains its lead in 2025 with a 23% share of total UPI transactions across BHIM and other platforms.
- In 2025, SBI processed over 3.1 billion transactions, remaining the top UPI contributor in India.
- HDFC Bank holds a 16% share of UPI transactions in 2025, driven by strong adoption across its digital ecosystem.
- ICICI Bank’s UPI volume grew by 17% year-on-year, securing a 13.5% market share and solidifying its third-place position.
- Axis Bank handled 9.5% of UPI transactions in 2025, maintaining its focus on merchant-first UPI solutions.
- Public sector banks, including PNB and Bank of Baroda, contributed 28% of UPI transactions via BHIM in 2025.
- UPI via the RuPay network saw a 21% growth in 2025, with SBI leading in adoption and transaction volume among participating banks.
UPI Fraud Statistics
- In 2025, UPI-related fraud cases rose by 21%, totaling over 115,000 reported incidents across platforms, including BHIM.
- Phishing attacks made up 37% of UPI fraud cases in 2025, continuing to be the most common method used by scammers.
- SIM swaps and device compromises led to a 16% rise in unauthorized transactions, accounting for a large portion of fraud volume.
- Despite fraud attempts, 99.92% of UPI transactions remain secure in 2025, thanks to BHIM’s multi-layer security and PIN system.
- NPCI reported a 26% drop in fraud on BHIM in 2025, following the rollout of real-time risk detection protocols.
- Fraudulent merchant links caused 22% of fraud cases, disproportionately affecting new users and small businesses.
- NPCI’s 2025 awareness campaign cut fraud by 18% in high-risk rural and semi-urban zones through education and prevention drives.
Foreign Collaboration and Global Expansion
- BHIM’s cross-border UPI integration with Singapore facilitated over ₹8.2 billion in cross-border transactions by mid-2025
- Collaboration with UAE banking institutions enabled seamless remittances worth ₹4.7 billion by Indian expats in 2025
- As of 2025, BHIM is operational in 14 countries, including Bhutan, Nepal, Mauritius, France, and Kenya
- Partnership with Singapore’s PayNow drove a 42% increase in cross-border remittances in 2025
- NIPL targets presence in 20 countries by the end of 2025, with active launches underway across Europe and Africa
- Over 2.1 million Indian expatriates now use BHIM for remittances, with an average transaction value of ₹12,500 per user
- BHIM’s integration with RuPay international cards powered ₹3.6 billion in overseas digital payments by Indian tourists in 2025
Traffic Sources for bhimupi.org.in.com
- Organic Search drives the majority of traffic to the site, contributing a significant 74.72%, indicating strong visibility on search engines.
- Direct traffic accounts for 22.84%, suggesting many users access the site by typing the URL or through bookmarks.
- Referrals generate only 1.78% of the traffic, showing minimal dependence on third-party sites for visitors.
- Social media platforms contribute just 0.54%, highlighting a very limited role of social engagement in driving traffic.
- Display ads provide a negligible 0.09% of the total traffic, while email marketing contributes just 0.02%, indicating low investment or performance in these channels.
Recent Developments
- In 2025, BHIM UPI Lite+ expanded PIN-free small payments to ₹500, driving over ₹3.2 billion in microtransactions.
- UPI 2.0 enhancements led to a 60% increase in recurring bill payments, thanks to better QR-based and overdraft features.
- BHIM’s voice-based payment system now serves over 9 million users, including non-smartphone holders across rural India.
- UPI AutoPay on BHIM processed over ₹3.8 billion in recurring payments for subscriptions, insurance, and utilities in 2025.
- Tier 2 and Tier 3 cities contributed 52% of BHIM’s total growth in 2025, reflecting deeper regional adoption.
- Integration with wallets like PhonePe, Paytm, and MobiKwik enabled a 35% rise in cross-platform transactions.
- The 2025 rollout of UPI Credit usage on BHIM linked 11 million credit card accounts, fueling ₹5.6 billion in UPI-based credit payments.
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.
