BHIM Payments App records over 300% growth in transaction volumes in FY26, driven by ease of use, security and innovation

Monthly transaction volumes more than tripled over the course of the year
West Bengal emerged growing market with groceries and dining leading everyday payments

Kolkata, 20 May 2026: BHIM Payments App, developed by NPCI BHIM Services Limited (NBSL), recorded strong growth in FY26, with total transaction volumes increasing by 301% compared to FY25. In FY26, monthly transaction volumes on the app rose from 5.93 crore in April 2025 to 21.6 crore in March 2026, more than tripling over the course of the financial year. The momentum continued into the new financial year, with transaction volumes at 22.49 crore and transaction value at ₹26,040 crore in April 2026

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In West Bengal, BHIM’s growth reflects the broader national trend of digital payments becoming increasingly integrated into everyday life. During FY 26, 71% of transactions on the app in the state were P2M (peer-to-merchant) payments, indicating growing use for routine purchases and bill payments. Groceries accounted for 22.5% of merchant transactions, followed by Food Outlets and Restaurants at 18.7%, Quick Commerce at 6.4%, E-commerce at 3.9%, and Fuel Stations at 3.4%. The app is also seeing growing adoption of innovative payment use cases, including RuPay Credit Card on UPI, reflecting increasing consumer interest in credit-enabled payments.

Ms. Lalitha Nataraj, MD & CEO, NBSL, said “The strong growth in BHIM Payments App reflects the increasing trust that users across India are placing in a payments platform that is simple, secure and built for the masses. In West Bengal, we are seeing this adoption take shape across a wide range of everyday use cases, from groceries and dining to commuting and online purchases, highlighting how digital payments are becoming an integral part of daily life. We are also encouraged by the growing adoption of innovative payment experiences such as RuPay Credit Card on UPI. Our focus remains on making digital payments more intuitive, inclusive and relevant for every Indian.”

The app’s feature set has been built with inclusion at its core, supporting 15+ regional languages including Bengali. It is optimised for low-connectivity environments, enabling deeper digital payments adoption across rural and semi-urban user groups. Reward-led adoption and merchant partnerships continue to build platform stickiness across new and existing user segments.

Feature Highlights

• UPI Circle: UPI Circle Full Delegation allows users to authorise trusted contacts to make UPI payments from their account within a predefined monthly spending limit of up to INR 15,000 and an expiry duration of up to 5 years. Trusted users can make secure digital payments without needing their own bank-linked UPI ID or bank account. This new feature enables smoother day-to-day digital payments among families, dependents, or staff while maintaining clear oversight of all transactions. It can also be used as a form of digital pocket money for teenagers, enabling them to make UPI payments with controlled access under parental supervision.
• Split Expenses: Users can split bills with friends and family seamlessly. Whether it is dining out, rent payments, or group purchases, the app allows users to divide expenses and make payments directly, ensuring hassle-free settlements
• Family Mode: Users can onboard family members, track shared expenses, and assign specific payments. This feature enables better financial planning by giving families a consolidated view of their expenses
• Spends Analytics: The dashboard offers an intuitive view of a user’s monthly spending patterns on the App. It automatically categorises expenses, helping users analyse and manage their budget without needing complex spreadsheets
• UPI Lite Auto-Top Up: Users can turn on the auto top-up feature, which automatically recharges the balance whenever it falls below ₹200
• Forex Payments: Users can book forex effortlessly right on their BHIM Payments App. They can compare markup prices across banks and select their preferred option, with the choice to receive forex in the form of cash or digital currency

• Prepaid Recharge: The App offers a prepaid recharge feature that allows users to recharge mobile numbers associated with the network operator. They can also recharge for their friends and family. Users need to choose the plan and simply complete the process on the app without any additional or convenience charges
• Rewards: BHIM Payments App offers assured rewards on eligible transactions, encouraging users to adopt digital payments more confidently. The rewards experience is designed to make everyday payments simpler, engaging, and more value-driven for users