BharatPe: UPI, Credit, Rewards

Resilient Innovation Private Limited

About this app

BharatPe (previously postpe) is your one-stop financial app designed to meet all your financial needs. From lightning-fast UPI payments to convenient bill payments without any fees, quick cash loans, attractive gift vouchers, and credit card bill payments, BharatPe has you covered.

BharatPe UPI - Another UPI but the only UPI Made for Bharat:
(Powered by Unity Small Finance Bank and Approved by NPCI)
💸 Instant Transfers: Send money to anyone via contact, UPI ID, or bank account.
📲 Scan & Pay: Conveniently scan and pay without any tap.
🔄 UPI Autopay: Automate your bills, recharges, EMIs, and subscriptions effortlessly.
🔓 Pinless Payments: Enjoy hassle-free UPI payments.
💰 Earn Rewards: Enjoy guaranteed Zillion Coins on every payment. (T&C Apply)

Unity Bank BharatPe Co-Branded Credit Card:
💳 AutoEMI Conversion: Automatically split spends into easy monthly EMIs.
🆓 Lifetime Free: No joining fees, no annual renewal charges ever.
🎁 Uncapped Rewards: No limits, no thresholds, earn unlimited rewards on every spend.
🛋️ Free Lounge Access: Enjoy 2 free visits per quarter.

BharatPe Bill Payments:
📲 Recharges: Pay all your bills easily for Mobile, DTH, Fastag.
💡 Utility Bills: Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
💳 Credit Card Bills: Easily pay your credit card bills online.

BharatPe Instant Cash Loan:
💰 High Amounts: Access instant cash loans up to ₹15 lakh.
📅 Flexible Repayment: Choose repayment options that suit your convenience.
🔓 Document Free Loans: No collateral required.
🤝 Trusted Partners: Loans disbursed via trusted NBFC partners like L&T Finance Limited, Trillionloans Fintech Pvt Ltd, Poonawalla Fincorp, Innofin Solutions Pvt Ltd and True Credits Private Limited.

Repayment Terms:
Bill is generated every month. Users have the option to convert bills to EMIs from 3 months up to 15 months. Users can also repay the bill in full at no interest cost by the due date. Loan repayment tenure ranges from a minimum of 3 months to a maximum of 15 months.

Annual Percentage Rate (APR):
Ranges from 18%-70%. APR is communicated on the app while converting a bill to EMIs or taking a loan. APR will be different for different tenures of EMIs.

Example of postpe cash:

Amount chosen by user: ₹1,00,000
Tenure: 12 months
Interest Rate: 18% per year (reducing)
Processing fees: 2.5%
Repayment Amount: ₹1,11,196
Total Interest Payable: ₹11,196
Processing Fees (incl. GST): ₹2,500
Monthly installment (EMI): ₹9,266.32
Total Cost of the Loan: Interest Amount + Processing Fees = ₹2,500 + ₹11,196 = ₹13,695
APR: 24.8%
Example of Bill to EMI conversion:

Amount converted into EMI: ₹1,00,000
Tenure: 6 months
Interest Rate (APR): 18% per year
Repayment Amount: ₹1,09,000
Total Interest Payable: ₹9,000
Processing Fees (incl. GST): ₹0
Monthly installment (EMI): ₹18,166.67
Total Cost of the Loan: Interest Amount + Processing Fees = ₹9,000 + ₹0 = ₹9,000
Permissions:
As per NPCI regulations, it is mandatory for UPI payment apps to enable SIM binding (send and receive SMS) from the user’s device to auto populate OTP on NPCI common library for authentication and authorization of payments. We also require permissions for Location, Device Information, and SMS to provide additional data points, allowing our partners to better underwrite you. For more details, please check our Privacy Policy.

About BharatPe (previously postpe):
BharatPe is the brand name of the application launched by Resilient Innovations Private Limited.

NBFC Partners:
We have partnered with RBI-approved NBFCs such as L&T Finance Limited, Trillionloans Fintech Pvt Ltd, Poonawalla Fincorp Limited, Innofin Solutions Pvt Ltd and True Credits Private Limited (Truebalance) as DSA partners to offer loans. Loans is facilitated by Resilient Digi Services Private Limited (A unit of Resilient Innovations Private Limited)

Contact Us:
[e-mail]

Ratings and reviews

very pathetic.. they are converting an outstanding amt to EMI without customer consent and as soon as the bill generates, if the card holder doesn't want to convert, the bank still converts and looting customer money via processing fee and interest. Nowadays all banks are providing fuel surcharge waivers but seems this bank doesn't know about it. Very bad decision to buy this card.

I applied for an EMI Credit Card, which has 8 steps in the application process. At step 7, where I am supposed to select the name to be printed on the card, the system only shows my father’s name and not mine. I contacted customer care and explained the problem, but they said they cannot help with this issue. This is very disappointing and feels like a waste of time using the Unity Bhim UPI app and its customer care support.

I am trying to apply for the BharatPe-Unity Bank Credit Card through the BharatPe app. After entering my address details and clicking on the “Continue” button, the page reloads and returns to the same address screen instead of moving to the next step. I have already ensured that all fields are correctly filled and have also tried clearing cache and using a stable internet connection, but the issue still persists. Kindly look into this issue and help me complete my credit card application. Ple

What's new

Great civilizations thrived on strong foundations, from Nalanda’s wisdom to the Indus Valley’s architecture. Weak bases caused cracks, just like the app launch issues, loaders, and logouts you faced. With this release, we’ve rebuilt the foundation to be faster, smoother, and more reliable.

Try the new BharatPe app, feel the difference, and share your feedback because just as Bharat was shaped by its people, this journey is perfected by you.