Bhim App Sees Resurgence, Nears 70 Million Monthly UPI Transactions After Revamp and Marketing Push

Bharat Interface for Money (Bhim), the government-backed UPI payments app, has witnessed a dramatic rebound in usage, with monthly UPI transactions nearly doubling over the past six months. According to insiders, Bhim processed around 70–75 million transactions in June 2025, up from 33.8 million in January — a 91% growth in just five months.

This marks a strong comeback for the Bhim UPI app, which had been stuck at a modest 25 million monthly transactions between January 2022 and mid-2024. The app’s growth is attributed to a major user interface revamp, combined with an aggressive marketing and incentive strategy rolled out by the National Payments Corporation of India (NPCI).

“Some of the early trends show that the incentives are actually working, and consumers are getting back to using the app,” said a person familiar with the development.

NPCI Bets Big on Bhim’s Revival

NPCI is reported to have allocated Rs 150–200 crore in FY25 to revive Bhim’s brand and push it back into relevance in the UPI ecosystem. This is a part of its broader goal to reduce the market dominance of a few private UPI apps and promote diversity across platforms.

Despite the recent spike, Bhim’s market share in terms of transaction volume remains below 1%, with UPI processing 18.4 billion transactions in June. Yet, Bhim has shown strength in transaction value, settling Rs 11,243 crore in May — ahead of platforms like Amazon Pay.

From High-Value to Everyday Use

One of the notable shifts in Bhim’s usage is the decline in average transaction size, dropping from Rs 3,500 last year to around Rs 1,756 in May 2025. This indicates that users are adopting Bhim for smaller, everyday digital payments — a sign of increased stickiness and daily engagement.

BHIM 3.0 and New Offerings

With the launch of BHIM 3.0, users can now track, monitor, and split expenses, features that bring it closer to what private players offer. In addition to its mobile app, NPCI Bhim Services Ltd (NBSL) has rolled out two new platforms:

• Vega: Helps merchants integrate UPI payments directly within their apps, increasing transaction success rates.

• Vishwas: Supports banks that lack UPI capabilities to offer digital payment services within their own apps using Bhim infrastructure.

These backend integrations will increase Bhim’s presence and transaction volume, even if the end-user is technically transacting through a bank app.

Cashbacks, QR Payments, and a Renewed Strategy

Bhim is now targeting small-value daily payments through cashbacks on mobile recharges, bill payments, and FasTag top-ups. This is a marked contrast to major fintech players like PhonePe, which significantly reduced their incentive spending in FY24.

By offering incentives where others are cutting back, Bhim is aiming to reclaim space in India’s highly competitive UPI ecosystem.

Conclusion: Bhim Is Back in the Game

While Bhim still trails behind market leaders in terms of total transactions, its renewed growth, upgraded user experience, and government-backed support are paving the way for a strong second innings. As NPCI continues to back Bhim with marketing and product innovations, the app may soon emerge as a formidable player in India’s digital payments revolution.