BHIM Payments App Records 301% Growth in FY26 Transaction Volumes

The BHIM payments platform witnessed significant growth during FY26 as consumers increasingly relied on digital transactions for routine spending activities.  

From grocery purchases and restaurant payments to online shopping and utility bills, the application saw a sharp rise in usage across multiple payment categories, according to NPCI BHIM Services Limited (NBSL). 

Monthly Transactions See Sharp Expansion 

The platform's monthly transaction count climbed substantially over the financial year, rising from 5.93 crore transactions in April 2025 to 21.6 crore transactions in March 2026. This translated into a 301% increase in transaction volumes during FY26. 

The upward trend continued in the following month, with the application processing 22.49 crore transactions worth ₹26,040 crore in April 2026, reflecting sustained user activity on the platform. 

Merchant Payments Drive Usage Across Categories 

West Bengal emerged as one of the strongest growth markets for the platform during the year. In the state, peer-to-merchant (P2M) transactions accounted for 71% of total transactions recorded through the application. 

Among merchant segments, grocery purchases generated the highest share of payments at 22.5%. Food outlets and restaurants followed with 18.7%, while quick commerce contributed 6.4% of transactions.  

Payments made through e-commerce platforms represented 3.9%, and fuel stations accounted for 3.4%. 

New Features and Wider Accessibility Support Adoption 

NBSL said users are increasingly adopting newer offerings available on the platform, including RuPay Credit Card on UPI.  

To improve accessibility, the application currently supports more than 15 regional languages, including Bengali, and has been designed to function efficiently even in areas with limited internet connectivity, particularly across rural and semi-urban regions. 

The platform has also introduced several additional capabilities such as UPI Circle, which enables authorised contacts to make payments within approved limits, along with Family Mode, split bill functionality, spending insights, UPI Lite auto top-up, mobile recharge services, and forex booking features. 

NBSL further noted that reward-based campaigns and collaborations with merchants are contributing to stronger user engagement across the ecosystem. 

Read More: BHIM App Adds CIBIL Score Feature, Expands into Credit Tracking! 

Conclusion 

BHIM's FY26 performance highlights the accelerating shift towards digital payments for daily transactions. Growing merchant acceptance, new payment features and broader accessibility initiatives continue to support the platform's expanding user adoption. 

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