BHIM app is friend in need for me. I am using BHIM app more than 1 year. I trust Bhim app as a friend because my money transaction is very safe. More then 50 times I have done money transfer and have not a single problem. Very important part is that I always check my bank account balance whenever my salary is deposited and also when I withdraw cash from ATM. Because where I live the network problem is very often. Many times sms delivery is late. Thats why I use my office wifi internet to operate BHIM app for checking status of my bank account. This help is worth so that BHIM app is friend in need for me.
There are other options like bill payments. But I have never tried them. Checking bank account balance is very important for me and I am happy with BHIM app.