BharatPe UPI Payment, Loan App

BharatPe is your all-in-one financial app designed for UPI payments, loans, bill payments, and investments.

Looking for a simple way to manage all your daily finances in one place? Make instant UPI money transfers, scan QR codes to pay, and earn rewards on every transaction with Zillion Coins.

Access personal loans up to ₹15 lakh, manage bill payments at zero convenience fee, and invest in digital gold, fixed deposits, and mutual funds, all in one place.

Apply for a lifetime free RuPay EMI Card and earn 2% rewards on every purchase. BharatPe brings UPI payments, loans, credit cards, rewards, and investments in one app.

UPI Payment App - Instant Money Transfer & UPI Cashback

* UPI Money Transfer: Send money via UPI ID, pay contacts, scan QR codes, and manage bill payments in one UPI app.

* UPI AutoPay: Automate bill payments, mobile recharges, EMI payments, and subscriptions.

* Pinless UPI Payments via UPI Lite.

* Credit Card on UPI: Link eligible credit cards on BharatPe UPI for payments.

* Credit Line on UPI (YES Bank): Get the exclusive YES Bank Credit Line on BharatPe UPI with up to 45 days to repay (T&Cs apply).

* UPI Rewards: Earn guaranteed Zillion Coins on every UPI payment (T&Cs apply).

* Redeem Zillion Coins on BharatPe Merchant QR payments or save more with discounted gift vouchers from top brands like Amazon, Myntra, Flipkart, and Swiggy.

Bill Payments & Recharges - Pay Without Platform Fees

* Electricity & Utility Bills: Pay electricity, water, LPG, gas, and broadband bills with ease.

* Credit Card Bill Payments: Pay credit card bills from all major banks.

* Mobile & DTH Recharges: Instantly recharge prepaid, postpaid, and DTH connections.

* FASTag Recharge: Top up your FASTag for seamless toll payments.

* Online Bill Payments: Pay bills securely using UPI or net banking.

Co-Branded Credit Card - RuPay EMI Card on UPI

* Instant RuPay Card: Get a lifetime free credit card with zero joining and annual fees.

* Auto EMI: Automatically convert eligible spends into flexible monthly EMIs.

* Credit Card Rewards: Earn 2% uncapped rewards as Zillion Coins on every purchase.

* RuPay Credit Card on UPI: Link your RuPay credit card for UPI payments and earn extra rewards.

* Lounge Access: Enjoy 8 domestic lounge visits per quarter and 2 international lounge visits per year.

Investments on BharatPe - Gold, Fixed Deposits & Mutual Funds

* Digital Gold: Invest in digital gold with flexible amounts and track your holdings.

* Fixed Deposits: Explore fixed deposit options from partner institutions.

* Mutual Funds: Start investing in mutual funds and SIPs directly within the app.

Personal Loans

* Instant Personal Loans: Access loans up to ₹15 lakh through RBI-approved NBFC partners.

* Quick Digital Approval: Apply online with fast approval and disbursal.

* Flexible EMI Options: Loan tenure up to 84 months with interest rates starting from 1.05%.

Annual Percentage Rate (APR)

APR ranges from 18% to 70% and varies based on loan amount, tenure, and borrower profile. The applicable APR is displayed within the app before loan acceptance.

Representative Example

Loan Amount: ₹1,00,000

Tenure: 12 months

Interest Rate: 18% (reducing balance)

Processing Fee: 2.5%

Total Repayment: ₹1,11,196

Interest Payable: ₹11,196

Processing Fee (excluding GST): ₹2,500

Monthly EMI: ₹9,266.32

Total Cost of Credit: ₹13,696

APR: 24.8%

Permissions

As per NPCI regulations, UPI apps require SIM binding for SMS-based authentication. Location, Device Information, and SMS permissions are used to support user verification.

NBFC Partners

Resilient Finance Pvt Ltd, Poonawalla Fincorp Limited, Innofin Solutions Pvt Ltd, InCred Financial Services Limited, Respo Financial Capital Pvt Ltd (Zype), Unity Small Finance Bank, and True Credits Pvt Ltd (Truebalance).

Loans are facilitated by Resilient Digi Services Pvt Ltd.

Download BharatPe for UPI payments, personal loans, bill payments, investments, and rewards.

Contact Us

customer.support@bharatpe.com