BHIM app launches MyUPI AI Assistant

• 24 Sep 2026
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India’s popular UPI payment app BHIM Payments App has launched MyUPI, which is an AI-powered assistant available in 5 languages. It is designed to assist users in UPI transactions, complaints, autopay mandates and safety controls. 

MyUPI offers 24x7 conversational support to the users. This feature can be accessed through the Quick Actions section available on BHIM app. 

What is MyUPI AI Assistant?

MyUPI is an AI Assistant, specifically a conversational assistant. It allows the BHIM users to explain their UPI-related requirements in different languages. It serves as a single interface that brings together transaction support, mandate management, complaint handling and safety features.

Using this assistant, the users can get information related to their UPI transactions across linked bank accounts as well as UPI apps. What’s more, they can also seek assistance with certain payments without needing to navigate through numerous support channels. 

Easier UPI Payments 

MyUPI lets users view UPI transactions across their linked bank accounts and UPI apps as well as seek assistance with individual payments. The assistant also supports eligible payment-related complaints. Users can raise a complaint, receive a reference number and track its progress through BHIM. The Pay Safe feature enables users to enter a UPI ID or upload a QR code to verify payee's name prior to making a payment. 

What’s more, MyUPI offers a Transaction Replay function. This function allows users to re-initiate eligible person-to-person and person-to-merchant payments. This includes transactions that were originally made via UPI apps. It is important to note that a new UPI PIN authorization is required to complete the payment. 

Autopay and Mandate Management

MyUPI incorporates UPI Autopay management. This special feature allows users to view recurring payments and mandate details across their linked accounts and apps. For eligible mandates, users can pause, resume or cancel recurring payments through this feature. 

In addition, the assistant can help users identify the mandate associated with a debit made without a UPI PIN prompt and explain purpose of recurring payment. 

MyUPI’s Build-in Safety Features

In MyUPI, there are certain features that help users to respond to potential security concerns. The UPI Number de-linking feature allows users to remove their mobile number from their UPI Number if they choose not to receive payments through it. The Safety Switch available in MyUPI can block a linked bank account in situations such as a suspected account compromise, a lost phone, unexpected debits or suspicious messages. 

Additionally, MyUPI provides assistance with fraud awareness, which allows users to seek information about suspected scam messages and commonly reported UPI fraud methods. 

MyUPI Supports Five Languages, 24x7

At present, MyUPI is available in five languages, namely, English, Hindi, Bengali, Telugu and Tamil. In the future, more regional languages will be added as well. The feature is available 24x7. Therefore, users can access support for transactions, complaints, mandates and safety-related concerns through the AI assistant anytime.

Payment-Related Actions Still Require UPI PIN 

Payment-related actions still require authentication using the user's UPI PIN. The conversational interface does not eliminate the need for authentication when performing eligible payment actions. 

Lalitha Nataraj, who is the Managing Director and CEO of NPCI BHIM Services Limited, stated that MyUPI enhances the BHIM Payments App by assisting users in seeking information, resolving issues and taking timely actions.

Source:- MSN