BharatPe: UPI, Credit, Rewards 4+

BharatPe is your one stop financial app designed to meet all your financial needs. From lightning fast UPI payments to convenient bill payments without any fees, quick cash loans, attractive gift vouchers, and credit card bill payments, BharatPe has you covered.

BharatPe UPI - Another UPI but the only UPI Made for Bharat (Powered by Unity Small Finance Bank and Approved by NPCI)
1. Instant Transfers Send money to anyone via contact, UPI ID, or bank account.
2. Scan and Pay Conveniently scan and pay without any tap.
3. UPI Autopay Automate your bills, recharges, EMIs, and subscriptions effortlessly.
4. Pinless Payments Enjoy hassle free UPI payments up to 500 with UPI Lite.
5. Super Safe Robust security measures to keep your payments and data secure.
6. BharatPe Shield Stay protected with free fraud protection on all your transactions T&C Apply.
7. Earn Rewards Make every transaction rewarding with BharatPe UPI Enjoy guaranteed Zillion Coins on every payment T&C Apply.
8. Balance Check Instantly see your account balances without complex passwords.

BharatPe Bill Payments
1. Recharges Pay all your bills easily for Mobile, DTH, Fastag.
2. Utility Bills Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
3. Credit Card Bills Easily pay your credit card bills online.

BharatPe Commerce
1. Order Food Order delicious food from nearby restaurants through ONDC.

BharatPe Instant Cash Loan
1. High Amounts Access instant cash loans up to 15 lakh.
2. Flexible Repayment Choose repayment options that suit your convenience.
3. Document Free Loans No collateral or guarantor required.
4. Trusted Partners Loans disbursed via trusted NBFC partners like L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited.

Repayment Terms
Bill is generated every month. Users have the option to convert bills to EMIs from 3 months up to 15 months. Users can also repay the bill in full at no interest cost by the due date. Loan repayment tenure ranges from a minimum of 3 months to a maximum of 15 months.

Annual Percentage Rate APR
Ranges from 18 to 70 percent. 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 postpe cash
Amount chosen by user 100000
Tenure 12 months
Interest Rate 18 percent per year reducing
Processing fees 2.5 percent
Repayment Amount 111196
Total Interest Payable 11196
Processing Fees including GST 2500
Monthly installment EMI 9266.32
Total Cost of the Loan Interest Amount plus Processing Fees equals 2500 plus 11196 equals 13695
APR 24.8 percent

Example of Bill to EMI conversion
Amount converted into EMI 100000
Tenure 6 months
Interest Rate APR 18 percent per year
Repayment Amount 109000
Total Interest Payable 9000
Processing Fees including GST 0
Monthly installment EMI 18166.67
Total Cost of the Loan Interest Amount plus Processing Fees equals 9000 plus 0 equals 9000

Permissions
As per NPCI regulations, it is mandatory for UPI payment apps to enable SIM binding send and receive SMS from the user’s device to auto populate OTP on NPCI common library for authentication and authorization of payments. We also require permissions for Location, Device Information, and SMS to provide additional data points, allowing our partners to better underwrite you. For more details, please check our Privacy Policy.

About BharatPe
BharatPe is the brand name of the application launched by Resilient Innovations Private Limited.

NBFC Partners
We have partnered with RBI approved NBFCs such as L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited Truebalance as DSA partners to offer loans.

Contact Us
customer.support@bharatpe.com