BHIM SBIPay is a UPI-based payment app for State Bank of India customers, providing money transfers, bill payments, and merchant collection features on iOS and Android.
Product velocity
Maintenance
Daily rank 🇺🇸
—
Finance
Sentiment
4.1
454k reviews
Nemesis
PayZapp UPI, Pixel Credit Card
The App DNA
What makes this app unique?
The app removes the friction of switching between multiple bank-specific portals by centralizing UPI transactions and utility payments into one interface.
For Bank customers in India seeking a unified interface for UPI money transfers, utility bill payments, and local commerce.
What does it look like?
Key features
Send and receive money using VPA, account number, IFSC, or QR code scanning across any bank.
Toggle switch to collect business payments directly from customers.
In-app bill payments for electricity, gas, broadband, and DTH, plus food ordering.
How much does it cost?
The app operates as a free utility provided by the bank to facilitate UPI transactions and increase digital banking adoption.
Velocity
Maintenance developmentperformanceUX improvementsopaqueShow more...
BHIM SBIPay maintains a stable but low-frequency release cadence, averaging roughly 0.3 releases per month over the analyzed period. All recent updates consist of minor enhancements and stability fixes, with no evidence of new feature development or live-ops content. The development trend is stable, focusing exclusively on maintenance and performance optimization rather than iterative feature growth.
Who built it?
State Bank of India
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Merchant eRupee By SBIUser Sentiment
What do users think recently?
The recent review mood reads upset. Users appreciate fast fund transfers and intuitive operation provide significant utility for daily financial transactions, but report device security verification errors prevent users from launching the app after the latest update.
How are ratings & reviews evolving?
Weekly average review rating
What users say, by theme
- Fast fund transfers and intuitive operation provide significant utility for daily financial transactions
- Device security verification errors prevent users from launching the app after the latest update
120 of 3275 recent reviews analyzed · high confidence · Upset overall
Read the full review analysisUnlock 2 more frustration themes and 1 user request, each backed by review evidence.
Access the full report for freeCompetition
Competitive landscape for BHIM SBIPay
How's the Finance market?
BHIM SBIPay holds a 4.1 rating on Android with over 453,000 ratings, but the 3.0 rating on iOS across a small sample of 97 ratings signals a significant platform-parity gap. The lack of major updates in the last 6 months suggests a maintenance-mode strategy that leaves the app vulnerable to faster-moving rivals.
Read the market outlookThe rivals identified
By HDFC Bank Ltd.
With 11 releases in the last six months, this app demonstrates a superior development velocity and feature-shipping cadence compared to this app.
- Aggressive release cycle of 11 updates in six months indicates a rapid feature-parity and innovation strategy.
- Integrated credit card management directly within the UPI payment flow creates a sticky, all-in-one financial ecosystem.
- High-frequency updates allow for faster bug resolution and rapid deployment of new UPI-based merchant payment features.
Unlock the head-to-head verdict: where this rival wins, and where it loses.
Access the full report for freeThe Analyst's Read
Key takeaways for BHIM SBIPay
Where is it heading?
The UPI payment market is consolidating around apps that offer integrated financial hubs, such as PayZapp. BHIM SBIPay's current maintenance-mode cadence leaves it exposed to these rivals, and the immediate priority must be fixing the access-blocking bugs to prevent further user attrition.
- Persistent device security errors (error code 8) lock out users, which directly erodes the daily active habit and drives negative sentiment.
- Forced update loops without available store updates cause urgent transaction abandonment, accelerating churn to more stable financial applications.
The SWOT
- Native integration with State Bank of India ecosystem
- Merchant mode enables small business payment collection
- Expand local deals to increase daily session frequency
Next best moves
Rebuild device security verification logic because error code 8 is the top churn driver → restore daily active usage
+ 1 more prioritized moveThe counter-intuitive read
The app's maintenance-mode status is a strategic liability…
Read the full takeFeature gaps
Integrated credit card management (available in PayZapp but missing here)
Since the last report: Technical reliability has collapsed, with specific error codes and update-loop bugs causing a rating decline from 4.1 to 3.0. The app remains in a maintenance-only state, failing to resolve access-blocking issues that now define the user experience.
Bottom line
Restoring core access logic is the only way to defend the user base against faster-moving rivals like PayZapp. If the app cannot reliably launch, the utility of its UPI features is irrelevant to the user.
Unlock 3 critical frictions, 2 market threats, 1 more prioritized move and the analyst’s take.
Access the full report for freeSources
Report last updated