BHIM Unified Payment Interface (UPI) is a payment platform managed by National Payments Corporation of India (NPCI). It enables money transfer between bank accounts or other payment systems (NEFT/RTGS/IMPS) through a Virtual ID created for your bank account. ESAF SFB is live on BHIM UPI platform. All ESAF customers can benefit out of the platform by linking their ESAF bank account to BHIM app.