Bharat Interface for Money (BHIM) is a simple, secure, and reliable mobile payment application that facilitates seamless and instant transactions between bank accounts using the Unified Payments Interface (UPI). Launched by the National Payments Corporation of India (NPCI) in December 2016, BHIM has become a cornerstone of India’s digital payment ecosystem, offering individuals an efficient way to send and receive money without physical banking. Designed to promote financial inclusion and drive India towards a cashless economy, the app enables users to make bank-to-bank payments with just a few clicks using a mobile number or Virtual Payment Address (VPA), also known as UPI ID.