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Dear Customer, kindly note that the said section will be live and available for use from 18th August 2025. Until then kindly use the Old e-Banking.

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Bharat Interface for Money (BHIM) FAQs


Bharat Interface for Money (BHIM) is a mobile application that lets you make simple, easy and quick payment transactions using Unified Payments Interface (UPI) with Saraswat Co-operative Bank Ltd. You can easily make bank to bank payments instantly and collect money using Mobile Number or Virtual Payment address.

Instant transfer. All payments over BHIM app are linked to your Saraswat Co-operative Bank Ltd. account and transaction can be completed within few seconds.

No, BHIM app is completely free. However, downloading BHIM app from app store may charge you for utilization of internet data pack.

Currently, BHIM app is available for Android and iOS mobiles.

You need a smartphone with an active internet data pack & active mobile number which is registered with Saraswat Co-operative Bank Ltd. Also, it is mandatory that you should register your mobile number linked to your accounts with Saraswat Co-operative Bank Ltd.

No, it is not necessary to register for Mobile Banking facility with Saraswat Co-operative Bank Ltd. Your mobile number should be registered with Saraswat Co-operative Bank Ltd.

You may find your UPI ID or VPA in your profile section of BHIM app. It may look like your mobilenumber@upi i.e. 9876543210@upi.

UPIN (UPI Personal Identification Number) is a 4-digit code which you have to set during first time registration. While initiating a transaction, you have to enter UPIN to authenticate the same.

Do not share your UPI PIN, Debit Card details & credentials with anyone and keep it confidential. Saraswat Co-operative Bank Ltd. will never ask for any PIN or login related information.

Currently, BHIM supports linking of one Bank at a time. At the time of account set-up, you can link your preferred bank account as the default account. Several bank accounts can be linked to the same virtual address. Any money that is transferred to you via UPI will be credited into your default account.

At the time of registration, you need to provide the Debit card details & your registered mobile number with Saraswat Co-operative Bank Ltd. The app will automatically fetch your linked accounts from Saraswat Co-operative Bank Ltd.

Yes. Payment can be made via (IFSC, Account number) or (MMID, Mobile number) if the person is not registered on BHIM. However, the payment cannot be initaited via VPA option.

Through BHIM you can make following type of transactions:
  1. Request or Send Money via Payment Address
  2. Send Money to Aadhaar Number
  3. Request or Send Money to Mobile number
  4. Send Money through MMID, Mobile No.
  5. Send Money through IFSC code, Account No.
  6. In addition, you can use the scan and pay option for Merchant payments.
  7. Bill payments
  8. Mandate
  9. ASBA

Every transaction initiated from your Saraswat Co-operative Bank Ltd. account will be listed in the BHIM app. You can view all your past transactions in the 'Transaction History' section on the BHIM App.

Rs. 20,000/- limit per transaction subject to Rs.40,000/- per day.

Ensure you have sufficient network connectivity. If you have entered your Payment Address at the merchant app, please re-check your Payment Address and re-try the transaction. Please check your pending transactions tab to check if the collect request has reached you.

If your mobile number is linked to multiple customer numbers, then BHIM app may display the above mentioned error. Ensure that your mobile number is registered to your own customer number. In any other case, you may contact your nearest branch.

Ensure that your mobile number is registered to your own customer number which is linked to your bank account. In any other case, you may not be able to use the BHIM application.

Yes, even if you uninstall BHIM application from your mobile handset, you can receive the funds on your registered VPA.

Any bank account with prescribed mode of operations can register for UPI on BHIM app as per bank's policy.

You cannot link or register any overdraft account in BHIM application. Only savings account or current account can be linked for UPI on BHIM.

On Home Page, choose Transaction option, select the declined transactions (highlighted in Red) & click on report issue or call bank.

In case of UPI frauds, you are requested to immediately give call on our IVR number: 022 41572070 from your registered mobile number to block your UPI, Internet Banking & Mobile Banking facilities. Further, it is always advisable to inform the bank at the earliest & raise an FIR with local police for further action.

You are requested to visit the nearest / home branch & submit prescribed form (Digital Channel Registration form) to unblock UPI, Internet Banking & Mobile Banking facilities accordingly.

The information related to 'Saraswat UPI on BHIM' is made avaialble on Bank's website or visit here - https://www.saraswat.bank.in/content.aspx?id=Saraswat-UPI-on-BHIM.
Also, for further support you may contact our 24 hours helpline No. 022 41572070.
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