BHIM 3.0 Launched by NPCI: Key Features, BHIM Vega and Language Support

The National Payments Corporation of India (NPCI) has unveiled the next-generation version of its Unified Payments Interface (UPI)-based mobile application — BHIM 3.0 (Bharat Interface for Money). Packed with a host of new user-friendly features, BHIM 3.0 is designed to revolutionize digital payments in India by focusing on convenience, inclusivity, and real-time functionality.

Let’s dive into the key features, the significance of BHIM Vega, and how this update is poised to strengthen India’s digital payment ecosystem.

What is BHIM?

The BHIM app, developed by NPCI, is a government-backed digital payment solution that allows users to send, receive, and request money using UPI. Since its launch in 2016, it has grown to become a trusted app for millions of users across India.

What’s New in BHIM 3.0?

The new BHIM 3.0 update brings several cutting-edge features to enhance user experience and make digital transactions more intuitive, especially for users in tier-2 and tier-3 cities and rural areas.

1. Enhanced Payment Features

Bill Splitting

With BHIM 3.0, users can split bills with friends and family, making group payments and shared expenses more transparent and manageable. This is especially helpful when dining out, traveling, or managing group activities.

Expense Tracking

BHIM now provides automated tracking of shared expenses, allowing users to assign payments to specific individuals. This smart feature helps reduce confusion and ensures accountability among users.

Task Assistant

The built-in reminder system or “task assistant” notifies users about pending bills or incomplete transactions, making sure you never forget to settle your dues.

2. Optimised for Low Internet Areas

One of the biggest challenges in rural India is unreliable internet connectivity. BHIM 3.0 addresses this by optimizing its functionality to work smoothly in low-bandwidth or unstable network areas, ensuring uninterrupted transactions even in remote locations.

3. Introduction of BHIM Vega

The standout feature of BHIM 3.0 is the integration of BHIM Vega.

What is BHIM Vega?

BHIM Vega is a native in-app payment system that allows users to make payments directly within the app. This eliminates the need to switch to third-party platforms, streamlining the payment process and ensuring a more secure and seamless transaction experience.

Key Benefits of BHIM Vega:

• Reduced transaction time

• Enhanced data privacy

• More control over payment processing

• Improved app performance

4. Expanded Language Support

With the goal of promoting inclusivity and regional accessibility, BHIM 3.0 now supports 15+ Indian languages, including:

• Hindi

• Tamil

• Bengali

• Marathi

• Gujarati

• Telugu

• Malayalam

• Kannada

• Punjabi

• Assamese

• Odia

• Urdu

• Bhojpuri

• Santali

• Maithili

This ensures that users across India can access digital payment services in their native language, boosting adoption in non-English-speaking populations.

Enhanced Security & User Interface

In addition to these major features, BHIM 3.0 brings:

• A modern, cleaner user interface

• Improved biometric and OTP-based authentication

• Real-time notifications and feedback

• Bug fixes and performance improvements

These updates aim to offer a more intuitive, faster, and secure user experience.

Why BHIM 3.0 Matters for India’s Digital Future

The launch of BHIM 3.0 aligns with the Indian government’s vision of promoting financial inclusion, cashless transactions, and a digitally empowered economy under the Digital India initiative.

Impact Potential:

• Promotes cashless culture across urban and rural India

• Helps India reach its financial inclusion targets

• Supports small businesses and vendors in accepting digital payments

• Offers a government-backed alternative to private fintech apps

Conclusion

The BHIM 3.0 launch by NPCI marks a significant leap forward in India’s digital payments ecosystem. From bill splitting and task reminders to the powerful BHIM Vega integration, the new version makes the app more inclusive, functional, and adaptable for a wide range of users.

Whether you’re splitting a dinner bill, paying utility charges in a remote village, or tracking your group trip expenses — BHIM 3.0 has you covered.

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