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 National Payments Corporation of India (NPCI), officially launched Bharat Interface (BHIM) 3.0. The new version was unveiled by Shri Vivek, Executive Director of Reserve Bank of India, along with Mr Ajay Kumar Choudhary, non-executive chairman of NPCI, and leaders in the banking and fintech industries.

The waiting is over! #BHIM3.0 is here, with advanced new features that make your payments smoother than ever. Want to know what’s new?

✨Spend Analysis – Track and manage your expenses, such as Pro! 🌗 Dark and light mode – Customize your payment experience.

– bhim (@npci_bhim) March 25, 2025

Since Prime Minister Narendra Modi first released in 2016, Bhim has played a crucial role in promoting India’s digital payment revolution. The introduction of BHIM 3.0 represents a significant upgrade that provides an enhanced user experience through increased accessibility, better financial management tools, and seamless transactions in the low-Internet sector.

BHIM 3.0 features

Enhanced user experience

BHIM 3.0 is designed to provide a more intuitive and easier access to digital payment solutions. Some of its major improvements include:

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Multilingual support

There are over 15 Indian languages ​​to choose from, allowing for greater accessibility among different user groups.

Low optimization connectivity

Even in areas where the internet is slow or unstable, stable trading can be ensured.

Advanced Fund Management

Provide improved tools to effectively track, manage and split expenses.

New products for users

BHIM 3.0 launches a range of user-centric features designed to simplify digital payments:

  • Split Fees: Easily allocate meals, rents and bills for collective purchases, making payments smoothly and directly between friends and family.
  • Family Model: Allows users to join family members, track shared fees and jointly manage financial responsibilities.
  • Expenditure Analysis: The Advanced Dashboard classifies expenses and provides a detailed overview of monthly spending to help with budget planning.
  • Functions required for operation: Intelligent Task Assistant:
    • Notify the user about hooks to link to BHIM.
    • Remind them to enable Uppi Lite.
    • When the Lite balance is low, the alarm will alert.

Enhance the functions of businessmen

For businesses and merchants, Bhim 3.0 launches Bhim Vega, a seamless in-app payment integration:

  • Allow instant payment without switching to third-party apps.
  • Ensure a faster and safer checkout experience for customers.
  • Provide real-time transaction tracking and financial insights to businesses.

Statement by industry leaders

Source: x.com/bhim

Mr. Ajay Kumar Choudhary, NPCI non-executive chairman:

“Bhim plays an important role in making digital payments simple and secure for millions of Indians. For Bhim 3.0, we take another step towards empowering and inclusion financially by providing advanced features targeting users, merchants and banking needs.”

Ms. Lalitha Nataraj, CEO of NBSL:

“In a rapidly evolving digital payment environment, BHIM 3.0 prioritizes security, accessibility and convenience. It was built for Bharat, ensuring that every individual and business can leverage the power of digital transactions.”

Launch and Availability

The BHIM 3.0 upgrade will be promoted at various stages between platforms, and is expected to be in April 2025.

About NPCI BHIM Services Limited (NBSL)

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

  • Strengthen financial inclusion in India.
  • Provides accessible and efficient digital payment options.
  • Support the country’s transition to a fully digital economy.

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

BHIM 3.0 marks a major leap in India’s digital payment ecosystem, enabling users to use advanced financial management tools and providing businesses with seamless transaction solutions. With the continuous evolution of digital payments, BHIM remains at the forefront of making financial transactions simpler, safer and more inclusive.