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FAQs (Frequently Asked Questions)
Bharat Interface for Money (BHIM) FAQs
Bharat Interface for Money (BHIM) FAQs
What is BHIM app?
Bharat Interface for Money (BHIM) is a mobile application that lets you make simple, easy and quick payment transactions using Unified Payments Interface (UPI) with Saraswat Bank. You can easily make bank to bank payments instantly and collect money using Mobile Number or Virtual Payment address.
How fast is a transaction over BHIM app?
Instant transfer. All payments over BHIM app are linked to your Saraswat Bank account and transaction can be completed within few seconds.
Are there any charges for using BHIM app?
No, BHIM app is completely free. However, downloading BHIM app from app store may charge you for utilization of internet data pack.
Is BHIM app available on all the Mobile Operating System (OS)?
Currently, BHIM app is available for Android and iOS mobiles.
How to begin with BHIM app?
You need a smartphone with an active internet data pack & active mobile number which is registered with Saraswat Bank. Also, it is mandatory that you should register your mobile number linked to your accounts with Saraswat Bank.
To use BHIM app, do I need to register for Saraswat Bank Mobile Banking?
No, it is not necessary to register for Mobile Banking facility with Saraswat Bank. Your mobile number should be registered with Saraswat Bank.
What is UPI ID or VPA?
You may find your UPI ID or VPA in your profile section of BHIM app. It may look like your mobilenumber@upi i.e. 9876543210@upi.
What is an UPIN?
UPIN (UPI Personal Identification Number) is a 4-digit code which you have to set during first time registration. While initiating a transaction, you have to enter UPIN to authenticate the same.
Is there any precaution I have to take for using my UPI?
Do not share your UPI PIN, Debit Card details & credentials with anyone and keep it confidential. Saraswat Bank will never ask for any PIN or login related information.
Can I link multiple bank accounts with BHIM?
Currently, BHIM supports linking of one Bank at a time. At the time of account set-up, you can link your preferred bank account as the default account. Several bank accounts can be linked to the same virtual address. Any money that is transferred to you via UPI will be credited into your default account.
Is it necessary to provide my Saraswat Bank Debit Card & Account details to BHIM app while registration process?
At the time of registration, you need to provide the Debit card details & your registered mobile number with Saraswat Bank. The app will automatically fetch your linked accounts from Saraswat Bank.
Can I send money to a friend who is not present on BHIM?
Yes. Payment can be made via (IFSC, Account number) or (MMID, Mobile number) if the person is not registered on BHIM. However, the payment cannot be initaited via VPA option.
What types of transactions can I do using BHIM?
Through BHIM you can make following type of transactions:
Request or Send Money via Payment Address
Send Money to Aadhaar Number
Request or Send Money to Mobile number
Send Money through MMID, Mobile No.
Send Money through IFSC code, Account No.
In addition, you can use the scan and pay option for Merchant payments.
How do I access a record of all my historical transactions?
Every transaction initiated from your Saraswat Bank account will be listed in the BHIM app. You can view all your past transactions in the 'Transaction History' section on the BHIM App.
What is the transaction limit on BHIM app?
Rs. 20,000/- limit per transaction subject to Rs.40,000/- per day.
I am unable to receive 'Collect' request. What do I do?
Ensure you have sufficient network connectivity. If you have entered your Payment Address at the merchant app, please re-check your Payment Address and re-try the transaction. Please check your pending transactions tab to check if the collect request has reached you.
I am getting error saying 'Could not fetch a/c - Your mobile number is registered with more than one account, please get in touch with your bank'?
If your mobile number is linked to multiple customer numbers, then BHIM app may display the above mentioned error. Ensure that your mobile number is registered to your own customer number. In any other case, you may contact your nearest branch.
I am getting error saying 'Could not fetch a/c - Saraswat Bank did not return any account for your mobile number +91xxxxxxxxxx'?
Ensure that your mobile number is registered to your own customer number which is linked to your bank account. In any other case, you may not be able to use the BHIM application.
If I uninstall BHIM application from my mobile, can i still receive the funds?
Yes, even if you uninstall BHIM application from your mobile handset, you can receive the funds on your registered VPA.
Can a Proprietorship firm, Partnership firm, Private Ltd. company or Public Ltd. company register for UPI on BHIM?
Any bank account with prescribed mode of operations can register for UPI on BHIM app as per bank's policy.
I am unable to link my Overdraft account in BHIM. Can an Overdraft account register for UPI on BHIM?
You cannot link or register any overdraft account in BHIM application. Only savings account or current account can be linked for UPI on BHIM.
How to raise complain on BHIM application?
On Home Page, choose Transaction option, select the declined transactions (highlighted in Red) & click on report issue or call bank.
In case of UPI frauds, what is to be done?
In case of UPI frauds, you are requested to immediately give missed call on 7666339922 to block your UPI, Internet Banking & Mobile Banking facilities. Further, it is always advisable to inform the bank at the earliest & raise an FIR with local police for further action.
I had given missed call on 7666339922, how to unblock my UPI, Internet Banking & Mobile Banking facilities? Or my UPI, Internet Banking & Mobile Banking facilities are not working now?
You are requested to visit the nearest / home branch & submit prescribed form (Digital Channel Registration form) to unblock UPI, Internet Banking & Mobile Banking facilities accordingly.
I want to know more about ‘Saraswat UPI on BHIM’?
The information related to 'Saraswat UPI on BHIM' is made avaialble on
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Also, for further support you may contact our 24 hours helpline No. 022 41572070.
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