PhonePe Recharge, Bill Payment

PhonePe is your all-in-one recharge and bill payment app, powered by UPI - transfer money, buy insurance plans, get a personal loan and save in Digital Gold.

📋 Apply for a Personal Loan Online

Need extra funds? Explore quick personal loan offers from PhonePe’s lending partners, with the approved amount credited directly to your account.
• Apply for an instant loan directly through our personal loan app, subject to eligibility.
• Choose your loan amount and a repayment tenure of 6 to 48 months in the loan app.
• Get a personal loan at competitive interest rates from RBI-regulated lending partners.
• Complete your loan application online without paperwork or branch visits.
• Apply for an online loan without collateral and manage your loan 24/7 through the loan app.

🧾 Recharge & Bill Payments

PhonePe is a reliable recharge and bill payment app for managing electricity, water, gas, FASTag and other everyday payments in one place.
• Recharge prepaid mobile numbers for Jio, Airtel, Vi and BSNL instantly with our recharge app.
• Recharge Tata Play or Airtel Digital TV instantly.
• Use our electricity bill pay app to pay electricity bills in seconds, and manage water, gas, FASTag and landline bills too.
• Pay credit card bills for major banks through our bill payment app, quickly and securely.
• Pay insurance premiums, tuition fees, and municipal taxes before their due dates.

💳 Instant UPI Money Transfer

Send and receive money instantly through BHIM UPI using your linked bank account.
• Send money to any UPI ID or phone number instantly, at no charge.
• Link SBI, HDFC, ICICI, Axis, PNB, BOB, IPPB, Indian Bank, Union Bank, Canara Bank and 140+ other banks to check your balance instantly.
• Send or receive money via UPI across Paytm, Google Pay, BHIM, YONO SBI, BOB World, PNB One, IPPB Mobile Banking, Bajaj Finance, Airtel Payment, Super Money, Mobikwik, Navi, CRED, FamPay, IndSMART IndianBank Mobile App and more.
• Pay at shops, pharmacies and restaurants by scanning UPI QR codes, and track your UPI transactions in one place.

💰Save With 24K Digital Gold & Silver

Start your gold and silver investment journey with just Rs. 10.
• Buy 24K Digital Gold or 999-purity Silver anytime.
• Track live gold prices before you invest.
• Keep your gold and silver secure in insured storage with our partners.
• Convert your holdings into coins or bars, or sell them at the live rate.

☂️ Insurance Plans for You & Your Family

Compare and buy insurance policies in minutes, all from our insurance app.
• Get health insurance with coverage up to Rs. 1 crore, plus life insurance and term insurance for your whole family, with flexible monthly premiums.
• Get car insurance or bike insurance through our insurance app in under 10 minutes, with comprehensive motor insurance for accidents, fire, theft and natural calamities.
• Manage your policy, premiums and claims anytime through our health insurance app.
• Get accident coverage for accidental death or disablement, plus travel insurance for international trips with claim support.

Loan Repayment Terms

PhonePe's lending partners disburse pre-approved loan amounts straight to your bank account, entirely online.

Repayment Period: 6 - 48 Months
Maximum APR: 36%

Example:
Loan Amount: Rs. 1,00,000
Tenure: 12 months
Rate of Interest: 11.76% per annum
Processing Fee: Rs. 3,245 (3.25%)
GST on Processing Fee: Rs. 584
Total Interest: Rs. 12,696
EMI: Rs. 4,694
Maximum APR: 14.52% per month
Amount Disbursed: Rs. 96,755
Total Repayment Amount: Rs. 1,12,696

We offer loans from India's biggest lenders - Aditya Birla, Piramal, IDFC First, L&T Finance, PayU Finance & Credit Saison India

Download PhonePe for recharges, bill payments, insurance & personal loans - also searched by millions as Pay Phone, Pe Phone, PhonePe Download or Phone Pay App.

Privacy policy- https://www.phonepe.com/privacy-policy/