Redefining NPCI UPI, driving 3× transaction growth

BHIM ( NPCI )
Mobile Experiences
Fintech
India
BHIM
Mobile Experiences
Fintech
India

Context

BHIM is India’s official UPI-based payment app enabling instant, secure bank-to-bank transfers across the country.

The redesign aimed to evolve BHIM from a basic utility into an engaging, user-friendly platform to boost adoption and transaction engagement.

Goal

Our mission was to transform BHIM from a basic transactional utility app into a seamless, engaging, inclusive digital payment companion that drives habitual use, accessibility, and trust.

Outcomes

User Base Expansion

where users grew by 30% into early 2026, exceeding 128 million. Total downloads crossed 310 million.

Transaction Value

processed in December 2025 reached ₹20,854 crore, marking a 120% year-on-year growth.

Volume Surge

on monthly transactions, jump from 38.97 million in January 2025 to 165.1 million (323%) by December 2025.

Scalable Design

enabled through an atomic design system that can seamlessly adapt to both dark & light mode.

Compact Hierarchy

Key sections and critical data were placed above the fold for maximum accessibility and control.

High-Contrast Visuals

Semantic colours and illustrations established outcomes and nudged users to explore products and offers.

Illustration System

Custom visuals simplified fintech concepts, enhanced trust, and supported inclusive user experiences.

Information Discoverability

Dense information was structured compactly to ensure scannability and efficient readability.

Transparency and Traceability

100% status transparency for transactions empowered users with accurate data for troubleshooting.

Compact Hierarchy

Key sections and critical data were placed above the fold for maximum accessibility and control.

Key sections and critical data were placed above the fold for maximum accessibility and control.

High-Contrast Visuals

Semantic colours and illustrations established outcomes and nudged users to explore products and offers.

Semantic colours and illustrations established outcomes and nudged users to explore products and offers.

Illustration System

Custom visuals simplified fintech concepts, enhanced trust, and supported inclusive user experiences.

Custom visuals simplified fintech concepts, enhanced trust, and supported inclusive user experiences.

Information Discoverability

Dense information was structured compactly to ensure scannability and efficient readability.

Dense information was structured compactly to ensure scannability and efficient readability.

Transparency and Traceability

100% status transparency for transactions empowered users with accurate data for troubleshooting.

100% status transparency for transactions empowered users with accurate data for troubleshooting.

The results

The outcome was a seamless, accessible & human-centered product experience designed for inclusivity & scalability, rooted in a simplicity-first design strategy.

User-tested

designs to validate acceptance

Scalable

design system with dual theme support

Hybrid

approach to ensure consistency

The Mobile Application Experience

01
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institutions
Educational Institutions
Scalable, plug-and-play systems for fast-moving tech environments.
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02
Financial
institutions
Educational Institutions
Scalable, plug-and-play systems for fast-moving tech environments.
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03
Healthcare
facilities
Educational Institutions
Scalable, plug-and-play systems for fast-moving tech environments.
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End-to-end onboarding, authentication, and core payment flows (security setup, transactions, QR scan) to enable a seamless and secure UPI experience.

Exhaustive in-person user research & testing, conducted in major parts of the country across Metro, Tier 2 & Tier 3 cities, with various demographics to gain both quantitative and qualitative data to validate the design decisions.

Competitive benchmarking for key journeys across leading players in the market to derive best practices and get a deeper understanding of their first principles.

Simplicity-first strategy improved task success rates, reduced errors, and enabled intuitive, inclusive payment experiences through streamlined flows and engaging features.

Multiple iterations refined colors, typography, and imagery to create a clear, accessible, trustworthy, and modern visual experience.

Redesign improved perception, boosted engagement and retention, expanded accessibility, and tripled transactions, establishing BHIM as an inclusive, scalable fintech platform.

Designed a foundational design system (colors, typography, iconography, illustrations) to establish a consistent and accessible visual language.

Scalable component system with standardized UI patterns (forms, buttons, navigation, selectors) to ensure consistency and efficiency across the product.

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Elevating India’s leading payments platform for swift & frictionless transactions