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 (VPA).


  1. Request Real-Time Balance anytime.
  2. Access transaction history.
  3. Create, reset or change UPI PIN.
  4. QR code based scan & pay option available.
  5. Generate your own QR code option is also available.
  6. Option to save your beneficiaries for future references.
  7. Report Issue and call Bank facilities are given to lodge complaints.
  8. Available in English and Hindi.
  9. Single App for sending and receiving money and making merchant payments.
  10. Go cashless anywhere anytime. 24x7x365 days’ instantaneous money transfer.
  11. Added security of Single click 2 factor authentications.
  12. Seamless money collection through single identifiers, reduced risks, real time.
  13. Mobile number or Name used to create Virtual Payment Address (VPA). Send and collect using VIRTUAL PAYMENT ADDRESS (VPA) or A/c no & IFSC.

How to access BHIM mobile application:

For the First-Time User:

  1. Step 1: Download and Install ‘BHIM’ app from App store.
  2. Step 2: Select your preferred language.
  3. Step 3: Select the SIM which has mobile number that is registered with Saraswat Bank.
  4. Step 4: Login by setting a 4-digit application password.
  5. Step 5: Link your bank accounts using bank account option.
  6. Step 6: Set your UPI PIN by providing last 6 digits of your Saraswat debit card and expiry date of the same card.
  7. Step 7: Visit Profile option and set virtual payment address (VPA)s. Currently 2 virtual payment address (VPA)s are allowed per user, For e.g. yourmobileno@upi, yourname@upi.
  8. Step 8: Set one virtual payment address (VPA) as a primary virtual payment address.
  9. Step 9: By using Scan and Pay option funds can be transferred or collect by scanning QR code.
  10. Step 10: Send, receive, collect money using Virtual Payment Address i.e. VPA or Account number + IFSC or Scan and Pay option.


  1. Get Saraswat UPI on BHIM for Android
  2. Get Saraswat UPI on BHIM for iOS
  3. Download User Manual

BHIM FAQs (Frequently Asked Questions):

Click here