Which of the following is an Indian mobile app developed by the National Payments Corporation of India, based on the Unified Payments Interface (UPI), that facilitates safe, easy and instant digital payments?

BHIM is the Indian mobile app built by the National Payments Corporation of India on the Unified Payments Interface for instant digital payments.

MyGov is a citizen engagement platform, not a UPI payment app.

UMANG is a unified app for government services, not a dedicated payment app by the NPCI.

PhonePe is a private UPI app, not the one developed by the NPCI itself.

BHIM stands for Bharat Interface for Money and was launched in 2016.

It lets users send and receive money directly between bank accounts.