PhonePe UPI, Payment, Recharge

PhonePe

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About this app

PhonePe is India’s leading fintech app that simplifies your daily financial needs. From instant UPI money transfer and online recharge to buying insurance plans, investing in Mutual Funds and buying 24K Digital Gold, PhonePe is your all-in-one digital financial services platform.

Money Transfer & UPI Payments

Experience the power of BHIM UPI for instant bank transfers & payments.
• Money Transfer: Send money using UPI ID or mobile number.
• Scan & Pay: Use QR code scanner to pay at local stores, pharmacies & restaurants.
• Multiple Bank Accounts: Link accounts from SBI, HDFC, ICICI, Axis & 140+ other banks to check bank balance instantly.
• Self Transfer: Move funds between your own linked bank accounts seamlessly.

Mobile Recharge & Utility Bill Payments

Never miss a due date with PhonePe's automated reminders.
• Mobile Recharge: Quick prepaid recharge for Jio, Airtel, Vi, & BSNL.
• DTH & Broadband: Pay for Tata Play, Airtel Digital TV & all major internet providers.
• Utility Bills: Clear your electricity bill, water, gas, FASTag & landline bills in seconds.
• Credit Card Bill: Clear your credit card bill payments for all major banks.
• Insurance & Fees: Pay insurance premiums, tuition fees & municipal taxes.

Save in 24K Digital Gold & Silver

Secure your future with 24K digital gold.
• Buy Gold & Silver: Start small with just ₹10 or buy in larger quantities.
• Live Gold Price: Track the live gold rate today for better decisions.
• 100% Secure: Your silver & gold savings are stored in insured bank-grade lockers.
• Physical Delivery: Get accumulated gold delivered in the form of coins or bars.
• Sell Anytime: Liquidate your holdings at transparent market prices.

Mutual Funds & Investments App

Make your money work for you with curated Mutual Funds & wealth products.
• SIP Investment: Start an SIP to build long-term wealth.
• Curated Funds: Avoid guesswork, choose from our curated investment ideas built with our fund evaluation framework CRISP
• 1000+ Funds: Choose from a wide range of funds from top AMCs like SBI MF, HDFC Mutual Fund, etc.

Buy/Renew Insurance Policies on PhonePe

Get coverage with our easy-to-use insurance app features.
• Health & Life Insurance: Compare & buy plans for yourself & your family with flexible monthly premiums
• Motor Insurance: Browse top-rated plans for Car & Two-Wheeler. Renew/buy new policies in under 10 minutes—completely paperless
• Personal Accident: Stay protected against accidental death or disablement with instant coverage
• Travel Insurance: Secure your international business & leisure trips.
Comes with claim support!

PhonePe Lending

Get pre-approved personal loans ready to be disbursed into your bank account through seamless & digital loan onboarding journey.

Repayment Period: 6 - 48 Months
Maximum APR: 36%

Example:
Loan Amount: ₹1,00,000
Tenure: 12 months
Rate of Interest: 11.76% per annum
Processing Fee: ₹3245 (3.25%)
GST on Processing Fee: ₹584
Total Interest: ₹12,696
EMI: ₹4694
Maximum APR: 14.52% per month
Amount Disbursed: ₹96755
Total Repayment Amount: ₹1,12,696

We offer loans from some of India's biggest lenders - Aditya Birla, Piramal, IDFC First, L&T Finance, and Credit Saison India.

Online Shopping & Offline Payments

• Online Payment: Pay securely on top online shopping sites, food delivery apps, & travel booking platforms.
• Offline Stores: Scan the QR code at your local kirana or grocery store for touchless payments.
• Gift Cards: Purchase PhonePe Gift Cards for easy payments at over 1 lakh outlets.

Travel & Commute

Do Flight booking, Bus booking & Hotel booking via ixigo & redBus. Get IRCTC Train tickets with easy refunds. Use the PhonePe NCMC card for offline Metro recharge & tap-and-pay across India. Secure trips with Travel insurance for medical & delay coverage. Experience a 360-degree Transit journey with easy Cabs & smart connectivity.

Privacy policy- https://www.phonepe.com/privacy-policy/

Ratings and reviews

I have been using PhonePe for the last three years. Recently, I used the app to recharge my KPDCL Smart Plus account. An amount of ₹2,100 was deducted from my bank account; however, the payment was not credited to my electricity bill. I raised a support ticket regarding this transaction, but unfortunately, the PhonePe app marked the issue as "Resolved" without actually resolving it. The deducted amount has neither been credited to my bill nor refunded to my account. Despite multiple attempts.

The transaction was stuck in processing, and after raising a support ticket, I was advised to wait a few days for resolution. I was under the impression that the transaction would either fail and be refunded to my bank account or be successfully processed. However, as the payment remained pending, I made the payment through an alternative method. Later, the original transaction was also credited to the recipient's account. I have now been informed that the transaction cannot be cancelled, which

I have been using this app for the past five years; PhonePe has become an integral part of my life. My money has never gotten stuck while using it, and it is very easy to use. I feel there should be a new feature added: the transaction history—showing details like amounts received and payments made—should be visible right at the top corner. Thank you.

What’s new

India's most trusted finance app, reimagined around you:

1. Check your credit score & get a loan instantly.

2. Apply for the PhonePe credit card & enjoy rewards on every spend.

3. Categories you need, in one place - Insurance, Digital Gold, Travel & Transit, Mutual Funds & much more.

4. Search anything, anytime - find & pay contacts, pay bills, find features with just a tap.

5. Experience a fresh, modern interface for effortless payments using UPI & cards.