What are the New Advanced Features Launched in BHIM 3.0 by NBSL in 2025?

In Mumbai, on March 25, 2025, NPCI BHIM Services Limited (NBSL), a wholly owned subsidiary of the National Payments Corporation of India (NPCI), has officially launched Bharat Interface for Money (BHIM) 3.0. The new version was unveiled by Shri Vivek Deep, Executive Director of the Reserve Bank of India, alongside Mr. Ajay Kumar Choudhary, Non-Executive Chairman of NPCI, and leading figures from the banking and fintech industries.

 The wait is over! #BHIM3.0 is here, packed with advanced new features to make your payments smoother than ever. Wondering what’s new?

✨ Spend Analytics – Track and manage your expenses like a pro!
🌗 Dark & Light Mode – Customize your payment experience your way.
👨‍👩‍👧‍👦 Family…

— BHIM (@NPCI_BHIM) March 25, 2025

Since its initial release in 2016 by Prime Minister Narendra Modi, BHIM has played a crucial role in driving India's digital payment revolution. The introduction of BHIM 3.0 represents a significant upgrade, offering an enhanced user experience with improved accessibility, better financial management tools, and seamless transactions in low-internet areas.

Features of BHIM 3.0

Enhanced User Experience

BHIM 3.0 is designed to offer a more intuitive and accessible digital payment solution. Some of its key improvements include:

New Offerings for Users

BHIM 3.0 introduces a range of user-centric features aimed at simplifying digital payments:

• Split Expenses: Easily divide bills for meals, rent, and group purchases, enabling smooth and direct payments among friends and family.
• Family Mode: Allows users to onboard family members, track shared expenses, and manage financial responsibilities collectively.
• Spends Analytics: An advanced dashboard categorises expenses, providing a detailed overview of monthly spending to help with budget planning.
• Action Needed Feature: A smart task assistant that:
• Notifies users about pending bills linked to BHIM.
• Reminds them to enable UPI Lite.
• Alerts when Lite balance is running low.

Enhanced Features for Merchants

For businesses and merchants, BHIM 3.0 introduces BHIM Vega, a seamless in-app payment integration that:

• Allows instant payments without switching to third-party apps.
• Ensures a faster and more secure checkout experience for customers.
• Provides businesses with real-time transaction tracking and financial insights.

Statements from Industry Leaders

Source:x.com/BHIM

Mr. Ajay Kumar Choudhary, Non-Executive Chairman, NPCI:

“BHIM has been instrumental in making digital payments simple and secure for millions of Indians. With BHIM 3.0, we are taking another step towards financial empowerment and inclusion by offering advanced features tailored to the needs of users, merchants, and banks.”

Ms. Lalitha Nataraj, CEO, NBSL:

“In a fast-evolving digital payments landscape, BHIM 3.0 prioritises security, accessibility, and convenience. It is built for Bharat, ensuring every individual and business can leverage the power of digital transactions.”

Rollout and Availability

The BHIM 3.0 upgrade will be rolled out in phases across platforms, with full availability expected by April 2025.

About NPCI BHIM Services Limited (NBSL)

NPCI BHIM Services Limited (NBSL) was established in 2024 as a wholly owned subsidiary of NPCI. It is dedicated to driving digital payment adoption through secure, seamless, and user-friendly financial solutions. By leveraging cutting-edge technology, NBSL aims to:

• Enhance financial inclusion in India.
• Provide accessible and efficient digital payment options.
• Support the country’s transition towards a fully digital economy.

For more details, visit: https://www.bhimupi.org.in/

BHIM 3.0 marks a significant leap in India's digital payment ecosystem, empowering users with advanced financial management tools and providing businesses with seamless transaction solutions. As digital payments continue to evolve, BHIM remains at the forefront of making financial transactions simpler, safer, and more inclusive.