PhonePe

Secure UPI, Money Transfer, Recharge, Bill Payment, Mutual Fund, Gold, Insurance

Secure UPI, Money Transfer, Recharge, Bill Payment, Mutual Fund, Gold, Insurance

PhonePe is a payments app that allows you to use BHIM UPI, your credit card & debit card or wallet to recharge your mobile phone, pay all your utility bills and to make instant payments at your favourite offline & online stores. You can also invest in mutual funds & buy insurance plans on PhonePe. Get Car & Bike Insurance on our app.

Link your bank account on PhonePe and transfer money with BHIM UPI instantly! The PhonePe app is safe and secure, meets all your payment, investment, mutual funds, insurance & banking needs, and is much better than Internet banking.

Things you can do on PhonePe (Phonepay) App:

Money Transfer, UPI Payment, Bank Transfer

- Money Transfer with BHIM UPI

- Manage Multiple Bank Accounts– Check Account Balance, Save Beneficiaries across multiple bank accounts like SBI, HDFC, ICICI & 140+ banks.

Make Online Payments

- Make online payment on various shopping sites like Flipkart, Amazon, Myntra etc.

- Pay for online food orders from Zomato, Swiggy etc.

- Pay for online grocery orders from Bigbasket etc.

- Pay online for travel booking from Makemytrip, Goibibo etc.

Make Offline Payments

- Scan & Pay via QR Code at local stores like kirana, food, medicines etc.

Buy/Renew Insurance Policies with PhonePe Insurance App

Health & Term Life Insurance

- Compare/Buy Health & Term life Insurance with monthly premiums

- Coverage for individuals, senior citizens & families

Car & Two Wheeler Insurance

- Browse & get India’s most popular bike & car insurance

- Buy/renew your car & bike Insurance in less than 10 minutes

Other Insurance

- PA Insurance: Insure yourself against accidents & disablement

- Travel Insurance: Get international travel insurance for business & leisure trips

- Shop Insurance: Insure your shop against fire, theft, natural calamities and burglaries.

PhonePe Lending

Get pre-approved personal loans ready to be disbursed into your bank account through seamless & digital loan onboarding journey.

Repayment Period: 6 - 36 Months

Maximum APR: 30.39%

Example:

Loan Amount: ₹1,00,000

Tenure: 12 months

Rate of Interest: 24.49% per annum

Processing Fee: ₹2,500 (2.5%)

GST on Processing Fee: ₹450

Total Interest: ₹13,756.27

EMI: ₹9,479.69

Maximum APR: 30.39%

Amount Disbursed: ₹97,050

Total Repayment Amount: ₹1,13,756.27

We offer loans from some of India's biggest lenders - Aditya Birla, Piramal, IDFC First, L&T Finance, and Credit Saison India.

Mutual Funds & Investments App

- Liquid Funds: Get higher returns than savings bank

- Tax-Saving Funds: save up to ₹46,800 in tax & grow your investment

- Super Funds: Achieve financial goals with expert help on our app

- Equity Funds: High growth products curated as per risk appetite

- Debt Funds: Get stable returns for investments without any lock-in period

- Hybrid Funds: Get a balance of growth & stability

- Buy or Sell 24K Pure Gold: Assured 24K purity, build gold savings on our app

Recharge Mobile, DTH

- Recharge Prepaid Mobile Numbers like Jio, Vodafone, Airtel etc.

- Recharge DTH like Tata Sky, Airtel Direct, Sun Direct, Videocon etc.

Bill Payment

- Pay Credit Card Bills

- Pay Landline Bills

- Pay Electricity Bills

- Pay Water Bills

- Pay Gas Bills

- Pay Broadband Bills

Buy PhonePe Gift Cards

- Buy a PhonePe Gift Card for easy payments across 1 lakh+ leading offline & online outlets and across the PhonePe app.

Manage your refunds

- Manage & track refunds from your favorite shopping websites on PhonePe.

For more details, Visit www.phonepe.com

Permissions for App and reasons

SMS: to verify Phone number for registration

Location: a requirement by NPCI for UPI transactions

Contacts: for phone numbers to send money to and numbers to recharge

Camera: to scan QR code

Storage: to store scanned QR code

Accounts: to pre-populate email ID while signing up

Call: to detect single vs dual sim & let user choose

Microphone: to carry out KYC video verification

Aug 15, 2025

Secure UPI, Money Transfer, Recharge, Bill Payment, Mutual Fund, Gold, Insurance Download the latest version of PhonePe UPI, Payment, Recharge 25.07.25.0 to enjoy new features and updates immediately!

A fresh look and powerful new features: Redesigned interface: A modern, intuitive design for easier financial management Better navigation: Redesigned bottom bar for quick access to scanner, alerts & transaction history Smarter categories: Dedicated sections like Savings and Commute. Powerful global search: Find contacts, bills, features & more with just a few taps India's most trusted financial app is now even better.