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 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 and manage bill payments 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 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 and 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 and 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 and 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

💰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: 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 while converting a bill to EMIs or taking a loan. APR will be different for different tenures of EMIs.

Example of BharatPe 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.

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, Respo Financial Capital Private Limited (Zype), Unity Small Finance Bank and True Credits Private Limited (Truebalance) as DSA partners to offer loans. Loans is facilitated by Resilient Digi Services Pvt Ltd (A unit of Resilient Innovations Private Limited)

Contact Us:
[e-mail]

Ratings and reviews

I am a user of Bharatpe app & was using it on a regular basis but suddenly I got logged out of the app & when I re-logined never been entered into the app , I had added a small amount of money from my bank account but unfortunately I couldn't transfer it to my bank as if doesn't work at all , always says invalid OTP , when I re-login it. please solve this issue asap.

I have been using BharatPe UPI regularly, but lately the transaction processing time has increased a lot. Payments take longer than usual to complete, which can be frustrating, especially when making quick payments. Please improve the app performance and UPI processing speed.

it's a froud app, they don't provide any loan, instant they sale your data to other lenders. and you will get 15-20 promotion calls daily every time from different number. they will force you to take loan on high interest rate approx 20-24%.