What is the difference between UPI and BHIM?

The primary difference is that UPI (Unified Payments Interface) is the underlying technology or platform, while BHIM (Bharat Interface for Money) is a specific mobile application developed by NPCI that uses this technology.

• UPI is the financial architecture that enables instant, real-time interbank fund transfers.
• BHIM is a government-backed app that allows users to access the UPI network to send and receive money using a mobile number or UPI ID.
• While many bank apps use UPI, BHIM is the official interface designed to promote digital inclusion across India.