Organisation : Punjab National Bank PNB
Facility : Bharat Interface for Money BHIM
Web Site : https://www.pnbindia.in/
BHIM
PNB MD Bharat Interface for Money (BHIM) is an initiative to enable fast, secure, reliable cashless payments through your mobile phone. BHIM is interoperable with other Unified Payment Interface (UPI) applications, and bank accounts.
Related : PNB Yuva Punjab National Bank : www.statusin.in/22891.html
BHIM is developed by the National Payment Corporation of India (NPCI). BHIM is made in India and dedicated to the service of the nation.
First Time User :
Step 1 : Download and Install BHIM app from Google Play store
Step 2 : Select your preferred language.
Step 3 : Select SIM which has mobile number thatis registered with bank CBS
Step 4 : Login by setting a 4 digit application password
Step 5 : Link your bank accounts using bank account option
Step 6 : Set your UPI PIN by providing last 6 digits of debit card and expiry date of debit card
Step 7 : Visit Profile option and set virtual payment address (VPA)s (2 virtual payment address(VPA)s are allowed per user
1. mobno@upi,
2. name@upi)
Step 8 : Set one virtual payment address (VPA)as a primary virtual payment address (VPA)( Ex. name@upi can be primary virtual payment address(VPA)making it easy to share with others)
Step 9 : QR code feature is available, by using Scan and Pay option send and collect money anytime
Step 10 : Send, receive, collect money using virtual payment address (VPA), Account number + IFSC ,Scan and Pay option
How to send Money on BHIM :
1. Using Virtual Payment Address (VPA) :
** Customer opens the app on his/her smartphone and enters the app loginpasscode.
** Select Send Money Option.
** Customer initiates a SEND request
** Customer enters the virtual payment address (VPA)& clicks on verify to check the name of the payee.
** Name of the PAYEE is fetched from the Bank CBS. Customer enters the amount and remarks for the transaction and Clicks on PAY.
** Customer can also check the details of the transaction from the dropdown in the UPI PIN entry page
** UPI PIN entry page opens where customer enters his UPI PIN
** Confirmation of money sent is shown to the customer
** Customer gets a notification for the success of the transaction from the App.
2. Using Mobile Number :
** Customer opens the app on his/her smartphone and enters the app login passcode.
** Select Send Money Option.
** Customer initiates a SEND request
** Customer enters the mobile number & clicks on verify to check the name of the payee.
** Name of the PAYEE is fetched, if user is registered on *99#/BHIM. Customer enters the amount and remarks for the transaction and Clicks on PAY.
** Customer can also check the details of the transaction from the dropdown in the UPI PIN entry page
** UPI PIN entry page opens where customer enters his UPI PIN
** Confirmation of money sent is shown to the customer
** Customer gets a notification for the success of the transaction from the app
3. Using Account No & IFSC :
** Customer opens the app on his/her smartphone and enters the app login passcode.
** Select Send Money Option.
** Customer select the option present on top right corner to pay through account no & IFSC.
** Customer enters the Account No & IFSC & clicks on verify to check the name of the payee.
** Name of the PAYEE is fetched from the Bank CBS. Customer enters the amount and remarks for the transaction and Clicks on PAY.
** Customer can also check the details of the transaction from the dropdown in the UPI PIN entry page
** UPI PIN entry page opens where customer enters his UPI PIN
** Confirmation of money sent is shown to the customer
** Customer gets a notification for the success of the transaction from the app.