BharatPe: Loans & UPI Payments

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 netbanking

💳 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 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

The app is so buggy. I am not able to pay my credit card dues. If I don't pay before bill is generated dues are converted to emis. No option to stop the conversion to emi. You emd up paying more than you actually spent. Will not recommend to get this Bharatpe EMI credit card to anyone. And you can only pay through their app. And payment option will come only after bill is generated. Which means your entire bill is now converted to emi with extra interest.

no doubt a good Indian upi app but ui of the app still look , old style and not as smooth like other upi apps , and another other is that whenever the app is opened then it automatically take camera access and open camera for scanning qr automatically, though this is helpful, but irritating also, as someone we have to do recharge, or do payment to upi id/number etc and manually we have to turn it off, so there should be a option is settings to turn/keep this feature off or on according to them.

Too high bugs after I enabled and added 600 to upi lite app starts glitch on my oppo mobile it's got stuck in till now, asking for link bank acc(previously I already linked acc) still now asking for bank acc, when I try to link bank already linked loop error no any other pages link bank--alreay linked repeated loop error. worst issue I have faced and experienced still 600 got stucked 2 months above updated and uninstalling dozons of times!!