BharatPe (previously postpe) 4+
All-in-One Financial app
RESILIENT INNOVATIONS PRIVATE LIMITED
-
- Free
iPhone Screenshots
Description
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.
BharatPe UPI - Another UPI but the only UPI Made for Bharat (Powered by Unity Small Finance Bank and Approved by NPCI)
1. Instant Transfers Send money to anyone via contact, UPI ID, or bank account.
2. Scan and Pay Conveniently scan and pay without any tap.
3. UPI Autopay Automate your bills, recharges, EMIs, and subscriptions effortlessly.
4. Pinless Payments Enjoy hassle free UPI payments up to 500 with UPI Lite.
5. Super Safe Robust security measures to keep your payments and data secure.
6. BharatPe Shield Stay protected with free fraud protection on all your transactions T&C Apply.
7. Earn Rewards Make every transaction rewarding with BharatPe UPI Enjoy guaranteed Zillion Coins on every payment T&C Apply.
8. Balance Check Instantly see your account balances without complex passwords.
BharatPe Bill Payments
1. Recharges Pay all your bills easily for Mobile, DTH, Fastag.
2. Utility Bills Bill payments for electricity, water, LPG, piped gas, and broadband with ease.
3. Credit Card Bills Easily pay your credit card bills online.
BharatPe Commerce
1. Order Food Order delicious food from nearby restaurants through ONDC.
BharatPe Instant Cash Loan
1. High Amounts Access instant cash loans up to 15 lakh.
2. Flexible Repayment Choose repayment options that suit your convenience.
3. Document Free Loans No collateral or guarantor required.
4. Trusted Partners Loans disbursed via trusted NBFC partners like L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited.
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 to 70 percent. 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 100000
Tenure 12 months
Interest Rate 18 percent per year reducing
Processing fees 2.5 percent
Repayment Amount 111196
Total Interest Payable 11196
Processing Fees including GST 2500
Monthly installment EMI 9266.32
Total Cost of the Loan Interest Amount plus Processing Fees equals 2500 plus 11196 equals 13695
APR 24.8 percent
Example of Bill to EMI conversion
Amount converted into EMI 100000
Tenure 6 months
Interest Rate APR 18 percent per year
Repayment Amount 109000
Total Interest Payable 9000
Processing Fees including GST 0
Monthly installment EMI 18166.67
Total Cost of the Loan Interest Amount plus Processing Fees equals 9000 plus 0 equals 9000
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.
NBFC Partners
We have partnered with RBI approved NBFCs such as L&T Finance Limited, Aditya Birla Finance Limited, and True Credits Private Limited Truebalance as DSA partners to offer loans.
Contact Us
customer.support@bharatpe.com
What’s New
Version 2.0.1
The Most Secure and Rewarding UPI for Bharat – Now on iOS
From the legendary security of ancient forts like Rajgir and Chittorgarh to the modern digital era, Bharat has always prioritized safety. Now, we bring that same unwavering security to digital payments—BharatPe UPI is finally on iOS! We are introducing the most secure UPI for Bharat, backed by free fraud protection up to 5000 (T&C Apply). Whether you are sending money, scanning to pay, automating bills with UPI Autopay, or making pinless transactions with UPI Lite, every payment is safeguarded with BharatPe Shield.
But that's not all—Earn Rewards! Make every transaction rewarding with BharatPe UPI and enjoy guaranteed Zillion Coins on every payment (T&C Apply). Your money deserves the highest level of protection, and we are here to deliver just that.
Update your BharatPe app now and experience secure, seamless, and rewarding UPI payments like never before.
#MostSecureUPI #BharatPeShield #MadeForBharat #BharatPaysOnBharatPe
Ratings and Reviews
See AllOne less star for very short due date
The app is fantastic but the very little time we get to repay the money used is not good.
You get only 5 days to pay the bill and starting the first day you start getting several msgs and WhatsApp to pay the bill immediately.
I don’t say you should provide 20 days as a credit card does but at-least consider 10 days and start reminding us if we don’t pay in 7 days.
I want to use the services but use it as the last option because of the very short due date.
Anyone who has a credit card should use their credit card first.
Fraud postpe
Hi guys, The money which we scan to merchant it will be directed to barathpe and to claim that amount need to create barathpe account and you know what someone has created barathpe account with one of my merchant acct with his number when I scanned and paid him it was transfer to barathpe acct and it got moved to the one who created that acct now my merchant lost money and I had to repay it again so I lost around 6000 without any usage. Today for that lost amount they charged convenience fees again. I recommend not to use this app. Fraudulent charges and also frauds are already benefitted with this company policies. I raised a complaint from barathpe and postpe and also to the bank which it was transferred nobody was responding. Like my 3000 how many have lost 1 - many thousands. In the same way these fools are earning . I just thought that I can clear my dues on time but with this app I am loosing my money . I sincerely advice today you may not face issue but I am sure someday you will loose big amount for sure where you don’t even have any luck to resolve the issue. I tried to complaint to police and consumer forum but nobody responded. Please don’t use this app guys . Regards, Sai
Worst
I have been using postpay for almost a 16 months and never missed on my payments.
Just got hospitalised for 2 weeks which missed the due date. They call you atleast
20-30 times a day torturing us to pay back the money immediately. They don't emphasise or understand what the person is going through or they don't even check the past payments and understand something is wrong and the customer has missed.
When I said I am hospitalised and I notified them that I will get this paid in full and close. They are not understanding that I am in the hospital but all they want me is to arrange money from someone and pay the money.
Worst credit institution I dealt with. I referred many friends and family to this. I am going to have this notified and have their post pay closed or cancelled..and some of customer care lady asking to go sit on traffic signals do begging and pay back money ..not at all happy with his kind of attitude..till now our parents also not spoken in such way ..
App Privacy
The developer, RESILIENT INNOVATIONS PRIVATE LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Location
- Contact Info
- Identifiers
- Usage Data
- Diagnostics
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Location
- Contacts
- User Content
Privacy practices may vary based on, for example, the features you use or your age. Learn More
Information
- Provider
- RESILIENT INNOVATIONS PRIVATE LIMITED
- Size
- 78.7 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 15.0 or later.
- iPod touch
- Requires iOS 15.0 or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © 2025 BharatPe
- Price
- Free