BHIM KBL UPI

BHIM KBL UPI (Karnataka Bank Secure Mobile App for Rapid Transactionz) UPI

KARNATAKA BANK · com.lcode.smartz

5.0 out of 5 (1 rating) 1M+ downloads v1.5.8 97.4 MB Android 10+ PEGI 3 · Everyone

Download APK 97.4 MB All versions

Signature matches the Google Play version Details

At a glance

Latest version: v1.5.8 (61)
Updated: Sep 19, 2026 (20 days ago)
APK size: 97.4 MB
Requires: Android 10+ (API 29)
CPU support: x86 32-bit, x86 64-bit, ARM 32-bit, ARM 64-bit
Category: Finance (app)
Listed since: Oct 22, 2020 (at least)
Permissions: 23 (10 sensitive)
Website: karnatakabank.com/contact-us
Developer contact: [email protected]
Privacy: Developer's privacy policy

About this APK

BHIM KBL UPI is an app by KARNATAKA BANK in the Finance category, listed since at least October 2020. It includes native code for x86 32-bit, x86 64-bit, ARM 32-bit and ARM 64-bit, so it runs on practically every phone.

It asks for 23 permissions, 10 of them sensitive, including precise location, camera and read contacts. It asks for the same permissions as version 1.5.7.

What's new in v1.5.8

Latest Security controls are implemented

Description

From the listing uploaded by “appupdater”.

BHIM KBL UPI (Secure Mobile App for Rapid Transactionz) Mobile application built on UPI Platform for universal app transaction, which facilitates customers to add own and other Bank accounts linked to his/her registered mobile number. Customer can initiate payment ( push ) and collect ( pull ) fund transfer request based on virtual ID, Aadhar number , Bank account number with IFSC code, Mobilenumber with MMID. Download self help guide from https://www.karnatakabank.com/ktk/KBL-upi-manual.pdf VERSION 1.0.5 - Scan n Pay and Generate QR code and share A) Allowed to initiate credit collect to a card not linked account . B) Self help mode activated C) QR code generator option to generate QR Code to receive instant payments by sender using BHIM KBL UPI scan pay n pay option . D) Bug fixes for Android 4.1 version E) activation of user permission to access phone features . F) Enhancements in UI/UX design Pre-Requisites: 1. Registered Mobile number with the Bank where the account is held , sim should be in primary sim Slot ( case of dual SIM Mobile devices.) 2. Mobile Number should be registered with Bank for receving Transaction SMS Alerts 3. Should have a Valid Debit Card Link any of your other Bank Accounts which is mapped to your registered mobile number with valid Debit card You Need not to be a KBL Customer to use BHIM KBL UPI You Can initiate Money Collection Request ( PULL ) You Can View your Other Bank Account Balance You Can Send money to Aadhaar Number, Virtual Address, Account Number & IFSC , Mobile Number & MMID (Mobile Money Identifier) . You can receive money from Virtual Address ( Collect / PULL ) a) U2U (PUSH): UPI to UPI transaction (Basis Virtual Address, Account Number+IFSC, Aadhaar Number, Mobile Number+MMID). In this case, both the sending and the receiving bank are live on UPI. b) U2U (PULL): Means UPI to UPI transaction (Basis Virtual Address). In this case, both the sending and the receiving bank are live on UPI. c) U2I (PUSH): Means UPI to IMPS transaction (and Mobile Number & MMID). In this case, the sending bank is live on UPI but the receiving bank is live only on IMPS and not on UPI. BHIM KBL UPI will have two PINs 1. App PIN ( 4 Digits) which is created while profile creation . Used for securing the App and opening. 2. MPIN ( 4 Digits ) which is created for each account using SET UPI credentials option. MPIN is used for completing the transactions as 2 nd factor authentication. for more details http://goo.gl/zh1RxX

Version history

3 versions are listed, going back to v1.5.5.

v1.5.8 LATEST Sep 19, 2026 97.4 MB TRUSTED v1.5.7 Apr 3, 2026 97.3 MB TRUSTED v1.5.5 Jan 19, 2026 96.4 MB TRUSTED

All 3 versions

Security & authenticity

Security rating: Trusted

Signing certificate

Signature matches the Google Play version Checked by the source store on Sep 19, 2026.
Certificate issued to “Banking” This is the certificate of the Google Play version.
Same certificate as the 2 other versions checked

Store checks and file details

Developer signature verified Sep 19, 2026
Validated against Google Play Sep 19, 2026
Signed byCN=Karnataka Bank, OU=Mobile Developer, O=Banking, L=Mangalore, ST=Karnataka, C=IN
Signing certificate (SHA-1)39:F0:DC:68:A5:04:05:CB:B1:11:10:FC:10:63:34:1A:A1:CC:60:AF
File MD557c2fac761d60c527381d6e06a7338db
Uploaded by “appupdater” Gold tier · 117,810 followers · uploading since 2020

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures (2 other versions compared). AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (23)

BHIM KBL UPI requests 23 permissions, 10 of them sensitive.

Approximate location Sensitive android.permission.ACCESS_COARSE_LOCATION
Camera Sensitive android.permission.CAMERA
Find accounts on the device Sensitive android.permission.GET_ACCOUNTS
Precise location Sensitive android.permission.ACCESS_FINE_LOCATION
Read contacts Sensitive android.permission.READ_CONTACTS
Read phone status and identity Sensitive android.permission.READ_PHONE_STATE
Read sms Sensitive android.permission.READ_SMS
Receive sms Sensitive android.permission.RECEIVE_SMS
See all installed apps Sensitive android.permission.QUERY_ALL_PACKAGES
Send sms Sensitive android.permission.SEND_SMS
Control vibration android.permission.VIBRATE
Full network access android.permission.INTERNET
Hide overlay windows android.permission.HIDE_OVERLAY_WINDOWS
Internal broadcast protection (app-defined) com.lcode.smartz.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Nfc android.permission.NFC
Prevent the device from sleeping android.permission.WAKE_LOCK
Receive push notifications com.google.android.c2dm.permission.RECEIVE
Run foreground services android.permission.FOREGROUND_SERVICE
Show notifications android.permission.POST_NOTIFICATIONS
Use biometric hardware android.permission.USE_BIOMETRIC
Use fingerprint hardware android.permission.USE_FINGERPRINT
View Wi-Fi connections android.permission.ACCESS_WIFI_STATE
View network connections android.permission.ACCESS_NETWORK_STATE

Required hardware & features

Camera android.hardware.camera
Basic touch input android.hardware.faketouch
Location android.hardware.location
Portrait screen android.hardware.screen.portrait
Telephony (SIM) android.hardware.telephony
Wi-Fi android.hardware.wifi

BHIM KBL UPI APK: questions and answers

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the BHIM KBL UPI APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. It is signed with the same certificate as the 2 other versions checked. After downloading, check that the file's MD5 is 57c2fac761d60c527381d6e06a7338db.