BHIM 3.0 launched: Key changes for users

On March 25, 2025, NPCI BHIM Services (NBSL), a subsidiary of the National Payments Corporation of India (NPCI), introduced Bharat Interface for Money (BHIM) 3.0, a major upgrade aimed at enhancing digital payments across India. With new features designed to improve accessibility, financial management, and user experience, BHIM 3.0 promises to be a game-changer for users, businesses, and banks.

New Features for Users

Split Expenses – Users can now easily divide bills with friends or family for shared payments like rent, dining, or group purchases. Payments are processed instantly, making manual calculations a thing of the past.

Family Mode – This feature allows users to onboard family members, track collective expenses, and assign specific payments, streamlining family finances.

Spends Analytics – The app now includes a detailed dashboard that automatically categorizes monthly expenses, helping users manage their budgets more effectively.

Action Needed Alerts – BHIM 3.0 will notify users about pending bills, UPI Lite activation, and low balances, ensuring users never miss important financial tasks.

Improvements for Merchants

BHIM Vega – Merchants can now accept in-app payments, making online transactions more seamless. Customers can pay directly within the app, bypassing third-party platforms.

Ajay Kumar Choudhary, Non-Executive Chairman of NPCI, stated, "With BHIM 3.0, we are advancing toward a more inclusive digital economy."

Lalitha Nataraj, CEO of NBSL, emphasized that the update is designed for "Bharat," prioritizing safety, convenience, and financial empowerment.

BHIM 3.0 will be gradually rolled out, with full availability expected by April 2025.