BharatPe: UPI, Credit, Rewards4.0.0 - App Store
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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.
