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: Enjoy hassle-free 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 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.

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.

Promising a "Lifetime Free" Unity Bank BharatPe Credit Card, but the app application process is completely broken. Clicking the link leads to generic loan pages, not the actual card application. Very misleading and frustrating! Customer care executives are useless, uneducated, untrained and do not provide any resolution. I understand the issue now, the Credit Card is not available for "Chandigarh" (one of the biggest cities) pincode that's why it is not showing to apply in the Bharatpe app .

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.