BharatPe UPI Payment, Loan App

Resilient Innovation Private Limited

About this 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 payment, mobile recharge, EMI payments & subscriptions
✓ Pinless UPI Payments via UPI Lite
✓ Credit Card on UPI: Link any CREDIT CARD on BharatPe UPI for payments (as applicable)
✓ Credit Line on UPI (YES Bank): Get the exclusive YES Bank CREDIT LINE on BharatPe UPI with up to 45 days to repay (T&C apply)
✓ UPI Rewards App: Earn guaranteed Zillion Coins cashback on every UPI payment (T&C Apply)

💡 Bill Payment & Recharges - Pay Without Fees

✓ Electricity & Utility Bills: Pay electricity, water, LPG, gas & broadband with ease
✓ Credit Card Bill Payment: Pay credit card bills from all banks online
✓ Mobile & DTH Recharge: Instant recharge for prepaid, postpaid and DTH services
✓ FASTag Recharge: Quick FASTag top-ups for toll payments across India
✓ Online Payments: Pay bills securely via UPI & 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
✓ 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: Get 8 domestic visits per quarter and 2 international visits yearly

📈 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 mutual fund investments and SIPs within the app

💰 Get Quick Personal Loans with Easy Disbursement

✓ Instant Personal Loan: Access quick 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: Tenure up to 84 months with interest starting at 1.05%

Annual Percentage Rate (APR):
Ranges from 18%-70%. APR is communicated on the app and varies by tenure.

Example of BharatPe cash:
Loan Amount: ₹1,00,000 | Tenure: 12 months | Interest: 18% (reducing)
Processing Fee: 2.5% | Total Repayment: ₹1,11,196
Interest: ₹11,196 | Fees (incl. GST): ₹2,500 | EMI: ₹9,266.32
Total Cost: ₹13,696 | APR: 24.8%

Example of Bill to EMI:
Amount: ₹1,00,000 | Tenure: 6 months | APR: 18%
Repayment: ₹1,09,000 | Interest: ₹9,000 | Fees: ₹0
EMI: ₹18,166.67 | Total Cost: ₹9,000

Permissions:
As per NPCI regulations, UPI apps require SIM binding for SMS-based authentication. Location, Device Info & SMS permissions support verification.

NBFC Partners:
Resilient Finance Private Limited (formerly Trillionloans Fintech Private Limited). Loans facilitated by Resilient Digi Services Private Limited (BharatPe Money).

Download BharatPe - the app millions search as Bharat Pe, BharatPay, Bharath Pe, Bharathpe or Bharatpey - for UPI payments, instant loans & bill payments.

Contact Us:
[e-mail]

Ratings and reviews

I am facing an issue with the app. I have already completed the Auto-Pay setup, and the amount is being deducted automatically on a daily basis, but I am currently unable to open/access the app.Because of this issue, I am unable to check or track my profile, account status, or payment details. This has been a very disappointing experience.

⭐ Poor Experience – Serious Technical Issues BharatPe app has serious technical issues. It frequently shows “Connection Error” and “Data Connection Very Low” even when my internet is working properly. I am also not receiving the OTP while linking UPI. There also seems to be a problem with the UPI ID/QR code showing incorrect details. Please fix these bugs and improve the app’s connectivity, OTP service, and UPI system urgently.

No Cust Svce to speak with...just Email. Also credit extend fr Merchant transactions wheras most of the sellers are using personal UPI...not helpful fr day 2 day transactions as expected. Alternatively tried to use UPI Lite but in that too there is no auto TopUp option. Pay extra n extra work...does not works fr me...bye.

What’s new

Bug fixes and performance improvements.
We’ve resolved minor issues and made UI improvements to ensure a smoother experience.