BharatPe: UPI, Loan & Rewards

Resilient Innovation Private Limited

About this app

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

Looking for a simple way to manage all your daily finances in one place?

Make seamless UPI money transfer, scan QR codes to pay, and earn rewards on every transaction with Zillion Coins. Access personal loans up to ₹15 lakh without collateral and manage bill payments - electricity, credit cards, mobile recharges, and DTH - at zero convenience fee.

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

📲UPI Payment App - Instant Money Transfer & UPI Cashback

✓ UPI Money Transfer: Send money using UPI ID, pay to contacts, scan & pay with QR, and manage your bill payments in one secure UPI payment app.
✓ UPI Autopay: Automate bill payment, mobile recharge, EMI payments, and subscriptions
✓ Pinless UPI Payments via UPI Lite
✓ UPI Rewards App: Earn guaranteed Zillion Coins cashback on every UPI payment (T&C Apply)

💡 Bill Payment & Recharges - Pay Without Fees

✓ Electricity Bill Payment: Pay electricity, water, LPG, and piped gas bills
✓ Credit Card Bill Payment: Manage & pay credit card bills from all banks online
✓ Mobile Recharge & DTH Recharge: Instant recharge for prepaid, postpaid, and DTH services
✓ FASTag Recharge: Quick FASTag recharge for toll payments across India
✓ Utility Bill Payment: Pay broadband and gas bills with zero charges
✓ Online Payments: Pay all bills through a secure UPI payment app

💳 Co-Branded Credit Card - RuPay EMI Card on UPI

✓ Instant RuPay Card: Get a lifetime free credit card with zero joining and annual fees
✓ AutoEMI Credit Card: Automatically convert 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 card for UPI payment and earn extra cashback
✓ Free Lounge Access: Enjoy 8 complimentary domestic visits per quarter and 2 international visits annually

💰Get Quick Personal Loans with Easy Disbursement

✓ Instant Personal Loan: Access quick loans and cash loans up to ₹15 lakh through RBI-approved NBFC partners
✓ Instant Loan Approval: Fully digital loan app with quick approval and fast disbursal
✓ Flexible EMI Loan: Choose flexible repayment up to 48 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 BharatPe (Earlier 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, UPI apps must enable SIM binding to send and receive SMS for authentication. We also request Location, Device Info, and SMS permissions to support verification and underwriting. For details, please refer to our Privacy Policy.

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, Incred Financial Services Limited 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

They said this is a credit line. Once you repay, you can avail again. So I foreclosed the loan and want to avail again. However, I can see the credit limit but I am not able to utilise it because as per theessage they doing some refresh with my credit limit. My point is what's the use to getting the credit line if I can't use it!! Glad I closed the account and not using it anymore further in future.

Worst app.. without my permission generated a credit report ..Worst app. I thought I could use a alternative to other UPI apps. No other UPI app did this and also forces me to set up lock. it is upto me to have lock my phone or not. not you. Complete and total Waste of time setting this garbage up.

The pathetic app doesn't work properly and lots of payment issues are there. It will not provide any services and the customer care support is not good at all. Go for other platforms much better than this like Gpay, Navi pay, etc.