Report updated Apr 20, 2026

Overview · Full Intel report in progress

BHIM SBIPay is an established finance app that is completely free. With a 4.1/5 rating from 453.8K reviews, it shows polarized user reception.

What is BHIM SBIPay?

BHIM SBI Pay is a UPI-based payment application developed by the State Bank of India that enables users to send and receive money across any bank account. The app integrates financial transactions with lifestyle services, including utility bill payments, DTH/mobile recharges, and food ordering from third-party platforms.

Current Momentum

v2.3 · 3w ago

Intense

Last updated 27d ago. 5 versions tracked.

AI-powered deep analysis surfacing high-signal insights. Still in beta, accuracy improves daily. For informational purposes only.

Competition

Rivals identification in progress

7-Day Rank Pulse 🇺🇸

Finance

No ranking data

FinanceGrossing

Rating Pulse 🇺🇸

What makes this app unique?

What Does It Look Like?

How Is The App's Momentum Right Now?

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What Are The Key Features?

UPI PaymentsStandard

Facilitates instant, secure money transfers between any bank customers using a single application.

Utility and DTH RechargeStandard

Allows users to manage prepaid, postpaid, and DTH recharges while providing tracking and bill reminders.

Food OrderingStandard

Integrates multiple food delivery services like Swiggy and Freshmenu, allowing users to browse menus and pay directly from their bank accounts.

How much does it cost?

Free

Who Built It?

State Bank of India

(5.9M)

Providing a unified digital banking and lifestyle ecosystem for retail and corporate customers globally.

Portfolio

13

Apps

Free 12
Finance92%
Utilities8%

Who is State Bank of India?

State Bank of India has successfully transitioned its massive institutional footprint into a mobile-first 'YONO' ecosystem that blends traditional banking with lifestyle services. Their primary moat is a deep regulatory and trust-based integration across multiple international jurisdictions, allowing them to serve a global user base with region-specific versions of their flagship platform. The current strategic focus is consolidating disparate banking utilities into unified, high-engagement platforms while maintaining a rigorous security-first update cadence.

Who is State Bank of India for?

  • Retail
  • Corporate banking clients
  • International residents
  • The Indian diaspora requiring cross-border financial management
Intense

Portfolio momentum

The publisher maintains an exceptionally high development frequency with 90 releases in the last 6 months and 100% of their 24-app portfolio remaining active.

Last release · 0d agoActive apps · 24

Analysis in progress, available soon

What do users think recently?

Analysis in progress, available soon

Analysis in progress, available soon

What is the competitive landscape for BHIM SBIPay?

How's The Finance Market?

Market outlook for this category

Available very soon

Strategic analysis coming soon

SWOT, key takeaways & outlook

The outtake for BHIM SBIPay

Key Takeaways

While the app offers a broad suite of integrated financial and lifestyle services, user feedback highlights significant technical friction regarding iOS optimization and international mobile number support.

Where Is It Heading?

Trend analysis

Available very soon

Disclosure

Independent intel to help builders create better apps.

AI-powered analysis with editorial review, built from publicly available sources. See methodology.

Marlvel.ai is not affiliated with, endorsed by, or sponsored by BHIM SBIPay, its developer, the app publisher, Apple, or Google Play. All trademarks, logos, and screenshots referenced remain the property of their respective owners.

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Cite this report

Marlvel.ai. “BHIM SBIPay Intelligence Report.” Updated Apr 20, 2026. https://marlvel.ai/intel-report/finance/bhim-sbipay

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