BHIM App Records 4 Times Spike in Monthly Transactions in 2025, Says Lalitha Nataraj

The BHIM Payments App has seen growth over the last year, with monthly transactions increasing by more than four times and transaction amounts increasing significantly.

According to BHIM Payments App data, monthly transactions grew from around 39 million in January to over 165 million in December, with the total transaction value in December reaching Rs 20,854 crore, an increase of more than 390 per cent in volume.

Delhi emerged as one of the key markets for the app, showing strong growth in peer-to-peer payments, groceries, dining, and other everyday transactions.

Lalitha Nataraj, MD & CEO of NBSL, said, “BHIM Payments App is designed to meet the everyday needs of users as digital payments have become an integral part of daily life. The growth we are witnessing across key markets, including northern regions such as Delhi, Punjab, Haryana, and Uttar Pradesh, reflects this adoption.”

On the user base, Lalitha said, “The user growth has been almost seven times over the last year.”

While on IPO-related transactions, she noted that the app has sustained growth in high-value transactions, including IPO payments, and continues to maintain a market share of around 9 to 10 per cent.

Alongside its growing adoption, the BHIM Payments App has rolled out features aimed at making digital payments more convenient for users. UPI Circle allows account holders to allow trusted contacts to make payments on their behalf up to Rs 15,000 per month. Also, Family Mode helps families track shared expenses and assign specific payments. The BHIM app’s Spend Analytics feature also shows an analysis of a user’s monthly spending, automatically categorising expenses to help manage budgets without complex spreadsheets.

The BHIM app will soon let users pay for entry and services at Delhi monuments, with incentives for using UPI.

The BHIM app has integrated UPI with Canara Bank through the NPCI platform. Nataraj said the company is in discussion with a two more PSU banks and expects to roll them out in the first quarter of the next financial year, though it’s too early to disclose the names of all banks involved.

When asked about UPI adoption among senior citizens, she said the company is working to make the app simpler and more accessible for them.