What is the difference between BHIM and UPI?

BHIM (Bharat Interface for Money) is a mobile payment application developed by NPCI that allows quick bank transactions. UPI (Unified Payments Interface) is the underlying platform or infrastructure that powers BHIM and other digital payment apps, enabling real-time money transfers across different banks. BHIM is a standalone app with a simplified interface, while UPI is the broader technology that allows multiple apps to access the payment system.