BHIM 3.0 Launched: The Bharat Interface for Money (BHIM) app has received a major upgrade with the rollout of BHIM 3.0, bringing a host of new features aimed at enhancing the digital payments experience for Indian users. The new version, which is being launched in phases and expected to be fully rolled out by April 2025, includes tools for better expense management, family account integration, and improved offline transaction capabilities.
This update marks a significant step in India’s ongoing journey toward a more inclusive and user-friendly digital payments ecosystem.
Key Features of BHIM 3.0
1. Multilingual Support and Better Offline Functionality
BHIM 3.0 is now available in over 15 Indian languages, making it more accessible across regions and demographics. Importantly, the app has been optimized for low-internet or no-internet environments, allowing users in remote areas to perform instant transactions without network disruptions.
2. Split Expenses Feature
One of the most anticipated additions, this feature allows users to split bills or expenses with friends, roommates, or family members. Whether it’s paying rent, dining out, or group shopping, users can now share costs easily within the app and keep a clear record of who owes what.
3. Spend Analytics Dashboard
BHIM 3.0 introduces a smart expense dashboard that automatically categorizes user spending into areas like groceries, bills, shopping, travel, etc. This helps users track where their money is going and makes it easier to plan budgets and control overspending.
4. Family Mode
Another major upgrade is the Family Mode, which allows users to link multiple family members under one shared digital wallet. Each member can be assigned specific payment responsibilities, and the account holder can monitor and manage individual expenses within the app — a handy tool for household budgeting and financial planning.
5. ‘Action Needed’ Alerts
To prevent missed payments or pending tasks, BHIM 3.0 includes a new “Action Needed” alert system. These real-time notifications will remind users of due payments or actions required to complete transactions, making money management more proactive and less stressful.
When Will BHIM 3.0 Be Available?
According to officials, BHIM 3.0 is being rolled out in phases, with several features already live for a select group of users. The full-scale rollout across India is expected to be completed by April 2025. Users can expect regular updates during this period as new features continue to be added.
With these new additions, BHIM 3.0 aims to simplify digital payments while making the app more versatile for day-to-day personal and family financial needs. From rural users with limited internet access to urban families seeking better budgeting tools, this upgrade is designed to make digital finance more accessible, intuitive, and inclusive. Read More
