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10/03/2025
In a diverse and large economy like India, paying bills used to be a challenge for both the customers and service providers. Earlier when unified payment systems were not yet available, customers were forced to wade through collection outlets and websites, often hampered by limited operational hours and geographical barriers. In turn, that meant services had to spend big on building and operating their own collection infrastructure.
In view of these pain points, the Reserve Bank of India (RBI) envisaged a solution that could revolutionise payments across the country. This vision shaped into Bharat Connect (known before Bharat BillPay), a game-changing platform built to bring businesses and customers under a single, unified system.
The journey began in 2013 when the RBI commissioned a national study through a the Government Internal Revenue Order (GIRO) advisory committee. This laid the foundation of one of the most transformative financial infrastructures in India. The guidelines and structure were formalized by 2015, followed by a pilot launch in 2016. The system was launched in 2017 with select payment categories, while the brand was launched the following year, in 2018.
Essentially, Bharat Connect is an interface that connects customers and billers, so they can process payments using the same system. The system supports multiple payment modes, having access to over 21,000 billers which can be connected to millions of customers across India through a single platform.
The ecosystem has several key participants:
Here are some of the features that the Bharat Connect platform provides for customers and billers:
For Customers:
For Billers:
Bharat Connect has seen phenomenal expansion since its launch:
Moving forward, the scope of the platform is envisaged to grow further, as may be evident from the monetary policy, showcasing the dedication of the RBI towards enhancing the digital payment infrastructure in India.
Bharat Connect is on a mission to make bill payments easy for every Indian as it continues to expand. The platform has everything under one roof with its seamless infrastructure, full ecosystem, and complete focus towards its customers as a solution provider, which makes it one of the most promising players in the revolution of India's digital payment landscape. Bharat Connect simply provides a very easy route for easy transactions in a fast growing digital India for customers and businesses keen on experiencing the benefits of this unified payment system.
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