BharatPe: UPI, Credit, Rewards4.0.0
Publisher Description
BharatPe UPI - Secure & Rewarding UPI App (Made for Bharat)
BharatPe (previously postpe) 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)
a) Instant Transfers: Send money to anyone via contact, UPI ID, or bank account.
b) Scan & Pay: Conveniently scan and pay without any tap.
c) UPI Autopay: Automate your bills, recharges, EMIs, and subscriptions effortlessly.
d) Pinless Payments: Enjoy hassle-free UPI payments up to ₹500 with UPI Lite.
e) BharatPe Shield: Stay protected with FREE FRAUD PROTECTION on all your transactions. (T&C Apply)
f) Earn Rewards: Make every transaction rewarding with BharatPe UPI! Enjoy guaranteed Zillion Coins on every payment. (T&C Apply)
Unity Bank BharatPe Co-Branded Credit Card:
a) AutoEMI Conversion: Automatically split spends into easy monthly EMIs.
b) Lifetime Free: No joining fees, no annual renewal charges ever.
c) Uncapped Rewards: No limits, no thresholds, earn unlimited rewards on every spend.
d) Free Lounge Access: Enjoy 2 free visits per quarter.
BharatPe Bill Payments:
a) Recharges: Pay all your bills easily for Mobile, DTH, Fastag.
b) Utility Bills: Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
c) Credit Card Bills: Easily pay your credit card bills online.
BharatPe Instant Cash Loan:
a) High Amounts: Access instant cash loans up to ₹15 lakh.
b) Flexible Repayment: Choose repayment options that suit your convenience.
c) Document Free Loans: No collateral or guarantor required.
d) Trusted Partners: Loans disbursed via trusted NBFC partners like L&T Finance Limited, Aditya Birla Finance Limited, Poonawalla Fincorp 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%-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 postpe 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: ₹13,695 (Interest + Fees)
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: ₹0
EMI: ₹18,166.67
Total Cost of the Loan: ₹9,000
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 (previously postpe):
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, Poonawalla Fincorp Limited and True Credits Private Limited (Truebalance) as DSA partners to offer loans.
Contact Us:
customer.support@bharatpe.com
Sep 25, 2025
Version 4.0.0
In Bharat, rivers like the Ganga, Yamuna, and Saraswati have flowed for centuries - nurturing civilizations, connecting people, and carrying life forward. But even the mightiest rivers face bends, blockages, and turbulent currents. Over the past year, many of you faced similar disruptions in your journey with BharatPe - slow app launches, infinite loaders, random logouts, and broken flows. These weren’t just minor hiccups, but bottlenecks in what should be a seamless stream.
With this release, we’ve cleared the stones, widened the banks, and let the current flow freely again. The BharatPe app now opens faster, runs smoother, and carries your transactions with the steady rhythm of a river. This is more than an update; it’s a renewed flow. Experience it, feel the difference, and let us know how the current runs for you.
About BharatPe: UPI, Credit, Rewards
The company that develops BharatPe: UPI, Credit, Rewards is RESILIENT INNOVATIONS PRIVATE LIMITED. The latest version released by its developer is 4.0.0.
To install BharatPe: UPI, Credit, Rewards on your iOS device, just click the green Continue To App button above to start the installation process. The app is listed on our website since 2025-09-25 and was downloaded 10 times. We have already checked if the download link is safe, however for your own protection we recommend that you scan the downloaded app with your antivirus. Your antivirus may detect the BharatPe: UPI, Credit, Rewards as malware if the download link is broken.
How to install BharatPe: UPI, Credit, Rewards on your iOS device:
- Click on the Continue To App button on our website. This will redirect you to the App Store.
- Once the BharatPe: UPI, Credit, Rewards is shown in the iTunes listing of your iOS device, you can start its download and installation. Tap on the GET button to the right of the app to start downloading it.
- If you are not logged-in the iOS appstore app, you'll be prompted for your your Apple ID and/or password.
- After BharatPe: UPI, Credit, Rewards is downloaded, you'll see an INSTALL button to the right. Tap on it to start the actual installation of the iOS app.
- Once installation is finished you can tap on the OPEN button to start it. Its icon will also be added to your device home screen.
Program Details
System requirements
Download information
Pricing
Version History
version 4.0.0
posted on 2025-09-25
Sep 25, 2025
Version 4.0.0
In Bharat, rivers like the Ganga, Yamuna, and Saraswati have flowed for centuries - nurturing civilizations, connecting people, and carrying life forward. But even the mightiest rivers face bends, blockages, and turbulent currents. Over the past year, many of you faced similar disruptions in your journey with BharatPe - slow app launches, infinite loaders, random logouts, and broken flows. These weren’t just minor hiccups, but bottlenecks in what should be a seamless stream.
With this release, we’ve cleared the stones, widened the banks, and let the current flow freely again. The BharatPe app now opens faster, runs smoother, and carries your transactions with the steady rhythm of a river. This is more than an update; it’s a renewed flow. Experience it, feel the difference, and let us know how the current runs for you.
version 3.0.1
posted on 2025-07-17
Jul 17, 2025
Version 3.0.1
Once in ancient Bharat, every act of merit was rewarded - a sage received dakshina, a warrior earned shaurya phal, and a farmer was honoured at harvest. Value wasn’t just currency - it was trust, effort, and recognition.
Inspired by that spirit, we bring the next chapter of BharatPe: where your Zillion coins finally meet their true purpose. No need for a separate app - now, right within the BharatPe UPI app, you can redeem your coins for vouchers, products, and more. It’s seamless, direct, and just how it should be. And while you weren’t looking, we quietly fixed a few cracks — bugs that stood in the way of smooth UPI transactions are now gone. Because in the land where every offering had precision, your payments should too. Welcome to a more rewarding, more refined BharatPe.
version 2.0.5
posted on 2025-04-30
Apr 30, 2025
Version 2.0.5
Your BharatPe UPI experience now offers even more secure and seamless ways to transact. Lost your debit card or don’t have it nearby? You can now set your UPI PIN using your Aadhaar credentials — safely and effortlessly. And with the upgraded UPI Lite wallet, you can add up to ₹5,000 and make PIN-less payments of up to ₹1,000, helping you move faster while keeping your payments safe. With every update, we continue to build a modern-day fortress around your digital payments — where convenience meets the legacy of trust.
version 2.0.3
posted on 2025-04-04
Apr 4, 2025
Version 2.0.3
In ancient Bharat, merchants thrived by securing wealth through gold and strategic investments. Inspired by this wisdom, BharatPe helps you grow and protect your money with every transaction. You've been earning guaranteed rewards on every UPI payment—now, search for a nearby BharatPe merchant, scan the merchant QRs and wait for the magic! Something exciting is coming, and you could be among the first to experience it.
version 2.0.2
posted on 2025-03-23
Mar 23, 2025
Version 2.0.2
In ancient Bharat, merchants thrived by securing wealth through gold and strategic investments. Inspired by this wisdom, BharatPe helps you grow and protect your money with every transaction. You've been earning guaranteed rewards on every UPI payment—now, search for a nearby BharatPe merchant, scan the merchant QRs and wait for the magic! Something exciting is coming, and you could be among the first to experience it.
Just like traders in the Maurya Dynasty trusted gold and secure assets, you can now invest in Fixed Deposits & Gold on BharatPe. With market fluctuations, these timeless assets offer stability and long-term growth. This update also includes performance improvements and UPI onboarding bug fixes for a seamless experience. Update now and take the next step in securing your wealth—just like the great civilizations of Bharat once did.
version 2.0.0
posted on 2025-02-26
Feb 26, 2025
Version 2.0.0
The Most Secure and Rewarding UPI for Bharat – Now on iOS
From the legendary security of ancient forts like Rajgir and Chittorgarh to the modern digital era, Bharat has always prioritized safety. Now, we bring that same unwavering security to digital payments—BharatPe UPI is finally on iOS! We are introducing the most secure UPI for Bharat, backed by free fraud protection up to 5000 (T&C Apply). Whether you are sending money, scanning to pay, automating bills with UPI Autopay, or making pinless transactions with UPI Lite, every payment is safeguarded with BharatPe Shield.
But that's not all—Earn Rewards! Make every transaction rewarding with BharatPe UPI and enjoy guaranteed Zillion Coins on every payment (T&C Apply). Your money deserves the highest level of protection, and we are here to deliver just that.
Update your BharatPe app now and experience secure, seamless, and rewarding UPI payments like never before.
#MostSecureUPI #BharatPeShield #MadeForBharat #BharatPaysOnBharatPe
version 1.2.5
posted on 2024-09-05
Sep 5, 2024
Version 1.2.5
"Everyone thinks of changing the world, but no one thinks of changing themselves." Inspired by Leo Tolstoy's words, we have decided to transform ourselves.
Your beloved postpe is now BharatPe. Many exciting features are currently being crafted for our iOS users and will be served straight from our kitchen soon.
