About this app

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. Download the BharatPe app.

BharatPe UPI - Another UPI but the only UPI Made for Bharat:
(Powered by Unity Small Finance Bank and Approved by NPCI)
💸 Instant Transfers: Send money to friends and family via contact, UPI ID, or bank account.
📲 Scan & Pay: Conveniently scan and pay at any merchant store.
🔄 UPI Autopay: Automate your bills, recharges, EMIs, and subscriptions effortlessly.
🔓 Pinless Payments: Enjoy hassle-free UPI payments up to ₹500 with BharatPe UPI Lite.
🤫 Super Safe: Robust security measures to keep your payments and data secure.
🧮 Balance Check: Instantly see your account balances without complex passwords.

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

BharatPe Commerce:
🎁 Special Discounts: Get exclusive discounts on gift vouchers from top brands.

BharatPe Instant Cash Loan:
💰 High Amounts: Access instant cash loans up to ₹15 lakh.
📅 Flexible Repayment: Choose repayment options that suit your convenience.
🔓 Document Free Loans: No collateral or guarantor required.
🤝 Trusted Partners: Loans disbursed via trusted NBFC partners like L&T Finance, Cashe, and True Credit.

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: Interest Amount + Processing Fees = ₹2,500 + ₹11,196 = ₹13,695
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 (incl. GST): ₹0
Monthly installment (EMI): ₹18,166.67
Total Cost of the Loan: Interest Amount + Processing Fees = ₹9,000 + ₹0 = ₹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. BharatPe is our developer name.

NBFC Partners:
We have partnered with RBI-approved NBFCs such as LendenClub (Innofin Solutions Private Limited), TrillionLoans Fintech Pvt Ltd, and LiquiLoans (NDX P2P Private Limited). Additionally, we collaborate with L&T Finance Consumer Loans, Bhanix Finance and Investment Limited (Cashe), and True Credits Private Limited (Truebalance) as DSA partners to offer loans.

Contact Us:
Email: customersupport@bharatpe.com

New features

Everyone thinks of changing the world, but no one thinks of changing himself. Inspired by Leo Tolstoy’s words, we decided to transform ourselves.

Your beloved postpe has now become BharatPe and is back with a bang with BharatPe UPI, offering seamless UPI payments, allowing you to easily link and manage multiple bank accounts and RuPay Credit Cards. Update and experience the new and improved BharatPe. Don't forget to share your love!