---
title: "BharatPe UPI Payment, Loan App - Reviews, Revenue and Downloads in India | Apple App Store"
description: "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 instant UPI m"
---

# BharatPe UPI Payment, Loan App — India
> Bill Payments, Credit Card

![BharatPe UPI Payment App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/60/16/cb/6016cb66-9c3a-f468-6e00-9f641bd7584a/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/400x400bb.png)

**Developer:** [RESILIENT INNOVATIONS PRIVATE](https://apptail.io/developer/resilient-innovations-private-lqsb)
**Category:** Finance
**Rating:** 3.9/5 (13,895 ratings)
**Price:** Free
**Bundle ID:** in.postpe.app
**Store:** Apple App Store
**Country:** India
**Version:** 7.1.7 (released 2026-10-02)
**Original Release:** 2021-10-10

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id1586002156)
**AppTail Page:** [https://apptail.io/app/bharatpe-upi-payment-loan-app-KqA/india](https://apptail.io/app/bharatpe-upi-payment-loan-app-KqA/india)

## BharatPe UPI Payment Description
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 instant 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, and 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 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 payments, mobile recharges, EMI payments, and subscriptions.
* Pinless UPI Payments via UPI Lite.
* Credit Card on UPI: Link eligible credit cards on BharatPe UPI for payments.
* Credit Line on UPI (YES Bank): Get the exclusive YES Bank Credit Line on BharatPe UPI with up to 45 days to repay (T&Cs apply).
* UPI Rewards: Earn guaranteed Zillion Coins on every UPI payment (T&Cs apply).
* Redeem Zillion Coins on BharatPe Merchant QR payments or save more with discounted gift vouchers from top brands like Amazon, Myntra, Flipkart, and Swiggy.

Bill Payments & Recharges - Pay Without Platform Fees

* Electricity & Utility Bills: Pay electricity, water, LPG, gas, and broadband bills with ease.
* Credit Card Bill Payments: Pay credit card bills from all major banks.
* Mobile & DTH Recharges: Instantly recharge prepaid, postpaid, and DTH connections.
* FASTag Recharge: Top up your FASTag for seamless toll payments.
* Online Bill Payments: Pay bills securely using UPI or 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.
* Auto EMI: Automatically convert eligible 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 credit card for UPI payments and earn extra rewards.
* Lounge Access: Enjoy 8 domestic lounge visits per quarter and 2 international lounge visits per year.

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 investing in mutual funds and SIPs directly within the app.

Personal Loans

* Instant Personal Loans: Access loans up to ₹15 lakh through RBI-approved NBFC partners.
* Quick Digital Approval: Apply online with fast approval and disbursal.
* Flexible EMI Options: Loan tenure up to 84 months with interest rates starting from 1.05%.

Annual Percentage Rate (APR)
APR ranges from 18% to 70% and varies based on loan amount, tenure, and borrower profile. The applicable APR is displayed within the app before loan acceptance.

Representative Example
Loan Amount: ₹1,00,000
Tenure: 12 months
Interest Rate: 18% (reducing balance)
Processing Fee: 2.5%
Total Repayment: ₹1,11,196
Interest Payable: ₹11,196
Processing Fee (excluding GST): ₹2,500
Monthly EMI: ₹9,266.32
Total Cost of Credit: ₹13,696
APR: 24.8%

Permissions
As per NPCI regulations, UPI apps require SIM binding for SMS-based authentication. Location, Device Information, and SMS permissions are used to support user verification.

NBFC Partners
Resilient Finance 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.

Download BharatPe for UPI payments, personal loans, bill payments, investments, and rewards.

Contact Us
customer.support@bharatpe.com

## BharatPe UPI Payment Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/2d/65/ec/2d65eccf-2821-acd2-6ad4-d36aa1aba488/appstore_screen_1_iPhone_5.5_.png/1242x2208.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7d/ad/dc/7daddcde-17d8-b51a-c96d-b5bec6b564fe/appstore_screen_1_iPhone_5.5_-2.png/1242x2208.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/72/71/7d/72717d6c-1f83-02ad-3516-ac99e2c7565a/appstore_screen_1_iPhone_5.5_-4.png/1242x2208.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/94/24/c0/9424c02f-e6d9-51e0-5c89-b33b61b1b715/appstore_screen_1_iPhone_5.5_-6.png/1242x2208.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/df/9b/86/df9b8632-a839-f484-9c01-ea1f6340440e/appstore_screen_1_iPhone_5.5_-3.png/1242x2208.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/40/f6/b6/40f6b61f-1edc-3017-e1a9-ea04e5e20017/appstore_screen_1_iPhone_5.5_-5.png/1242x2208.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/22/d6/59/22d659aa-2cc3-0c27-e761-ad099434e088/appstore_screen_1_iPhone_5.5_-7.png/1242x2208.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/18/32/3b/18323b8d-303b-1112-4f1f-89c2e7eca519/appstore_screen_1_iPhone_5.5_-1.png/1242x2208.png)

## BharatPe UPI Payment Rating Breakdown in India
- 5 stars: 8,757 (63%)
- 4 stars: 1,335 (10%)
- 3 stars: 298 (2%)
- 2 stars: 221 (2%)
- 1 stars: 3,284 (24%)

## BharatPe UPI Payment Reviews in India

### *---- "Wrost service"
Once you dont pay the call your friends relatives abd all stole data
-- Ajay@jay, 2025-01-10

### *---- "Not serious in business sense"
Need to understand and improve the quality of lending lease analysis customer correctly
-- swaminairji, 2025-01-10

### *---- "Bad policies"
I want to highlight an issue I faced while dealing with one of your executives regarding a waiver. As per BharatPay’s policy, only email validations are considered valid. However, the executive assured me over a phone call and WhatsApp that she would assist with waiving part of the interest since I had lost my job and couldn’t pay my bill for two months. She asked me to pay the remaining amount urgently, which I did.

Despite this, no waiver was applied, and the full amount was still reflected in the app. I reached out to her multiple times via WhatsApp, but my messages were ignored. Finally, I contacted customer support, but they insisted on a valid email proof of the waiver. How can I provide an email when the communication was conducted over a phone call and WhatsApp?

This experience has been frustrating and has undermined my trust in your services. I hope you can address this issue and ensure such incidents are prevented in the future.
-- Bansi Manvar, 2025-01-03

### *---- "Fraud !!!!!!"
Please be-aware this js most pathetic and fraudulent company. They will provide you loan and then they will harass you so much . Their team will call and start abusing. This is kind of harassment!!!!!!! Pls don’t go for their platform
-- saamoni, 2024-12-30

### *---- "Maintenance"
Worst app i have ever seen always under maintenance 365 days under maintenance
-- Teddy5913, 2024-12-27

### *---- "Not able to delete account"
I have closed all my dues months ago but didn’t get NOC and it shows my current due is “-1”. While trying to delete my account it shows I have pending loans. And it is still in my cibil also.
-- qywuejjw, 2024-12-20

### *---- "Can i login?"
Can I login because I am trying from past two days to login !
-- Harsha Ramakrishna, 2024-12-13

### *---- "Chor bazaari"
There help and support systems really need help and support, poor and failed response. Dont go with bharatpe. Otherwise you will pay lifelong. They dont close account also. Damages cibil score.
-- Bindutesh, 2024-11-26

### *---- "Earlier postpe cashback gone"
Where old cashback amount
-- Reddy1947sp, 2024-11-23

### *---- "Worst service"
It is worst and worst since months it is showing service upgrade is going on and I can’t damn use the amount or scan through app anywhere. Really pathetic..
-- Arru Boy, 2024-11-17

[View all BharatPe UPI Payment reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)


## BharatPe UPI Payment Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | India | Finance | #102 |


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