BharatPe: Loans & UPI Payments

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 seamless 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, apply for a lifetime free RuPay EMI card, and now 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 together 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 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

📈 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 conversion:
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, and SMS permissions support verification.

NBFC Partners:
L&T Finance Limited, Trillionloans Fintech Pvt Ltd, Poonawalla Fincorp Limited, Innofin Solutions Pvt Ltd, Incred Financial Services Limited, Respo Financial Capital Pvt Ltd (Zype), Unity Small Finance Bank, and True Credits Pvt Ltd (Truebalance). Loans are facilitated by Resilient Digi Services Pvt Ltd.

Contact Us:
[e-mail]

Ratings and reviews

Absolutely misleading and disappointing experience with app. They clearly show banners promising “Zillion Coins” on UPI transactions, but after completing multiple transactions, I received NOTHING. This feels like a bait tactic to attract users with false rewards. If you advertise an offer, at least honor it . Right now, it just looks like users are being fooled.

For God's sake even BHIM has more features than this. shows wrong name on both upi id & qr code even though correct name shows on linked bank account. unable to change name on both which creates confusion while sending money and receiving payment. Edit: no option to de-register or unlink account also. Only showing option to delete account which is also not possible if user has recently made new account, so de-registration or unlinking the bank account option should be there.

not able to do anything i downloaded the app and login after entering the otp whole screen went blank tried multiple times by uninstalling and again installing but result are same what bug in it i don't know but not able to access the app in my phone all the other apps are working smoothly only this app having some kind of issue bharat pe team please fix the bug