Mi Pay – Payments, Loans & Insurance 2.15.1-g (Premium Pro) For Android


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4.3/5 Votes: 965,820
Xiaomi Inc.
October 02, 2021
4.0 and up
10 MB
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Mi Pay Is A Secure, Fast & Reliable Payments App By Xiaomi.

The app allows the users to make payments, take instant loans at low-interest rates & allows users to buy Health Insurance (powered by ICICI Lombard). Just link your bank account, create a UPI ID & get ready to go on your financial journey.

Major highlights of Mi Pay:

Online Recharge & Bill Payments: Manage & pay all your utility bills, including landline, electricity, gas & water bills across India. You can also recharge your prepaid & DTH connections online.
Apply for loan & check credit report: Get a personal loan up to ₹25 Lakhs credit at low-interest rates instantly with ease in just 5 minutes. Also, check credit reports online for free & save up to ₹1200.
Some Details: Loan amount: From ₹5,000 to ₹25,00,000;
Interest rates: From 10% to 36% per annum;
Tenure: 91 days to 24 months

Personal loan example:

Loan amount: ₹20,000
Tenure: 6 months
Interest rate: 16.2% per annum
Processing fee: ₹400 (2%)
GST on processing fee: ₹72
Total interest: ₹956
EMI: ₹3493
APR: 36%
Loan amount: ₹20,000, Disbursed amount: ₹19,528. The total loan repayment amount is ₹20,956.
Get Health Insurance Plan You can buy a Health Insurance plan (powered by ICICI Lombard) for you & your family starting at just ₹500 per month.
Money Transfers: Send & Request Money directly from your bank account using UPI ID or Account & IFSC or from your contacts without paying any transaction charges & no wallet top-ups
Scan & Pay: Scan at any online store, E-commerce website, local Kirana, or any offline store where you see a UPI QR code
Book IRCTC train tickets: Easily book your train tickets with ConfirmTkt with the support of IRCTC. You also get an option to book tatkal tickets & can get refunds on cancellation.
Book flight tickets: For Air India, Indigo, Vistara & all the other airlines with Huge discounts & offers with the support of EaseMyTrip
Order Food Online: Best offers & deals on your favorite food; food ordering is made convenient for you with the best food ordering platform Freshmenu
Avail Life Insurance Cover: Get your life cover of ₹2 Lakh with Kotak Life Insurance for you & your family only at less than ₹1 per day
Buy, Sell & Invest in 24K Gold: SafeGold provides you a convenient platform to transact in certified, 24K vault stored gold. Buy & Sell Anytime

Frequently Asked Questions:

1. How to download Mi Pay?
Mi Pay is available on both the platforms Google Play store & GetApps. MIUI users can download Mi Pay from GetApps & Non-MIUI users can download it from the Google Play store.
2. What is the feature difference between the Google play store version & the GetApps Version?
Features of both apps are similar; since Mi Pay on Xiaomi Phones is part of the MIUI system app & is deeply integrated with MIUI apps.
On MIUI users, it can be accessed from:
→Contacts >> Send & Request money by selecting any Mi Pay Enabled Contact
→SMS >> Select any Mi Pay Enabled Contact & Select Transfer money
→Scanner app >> Scan any UPI QR >> Proceed to pay with Mi Pay
→App Vault >> Recharge, Send Money & Check Balance
3. What are the permissions taken on Mi Pay?
Following are App permissions & reasons:
SMS – Required to auto-read your OTP’s & register for UPI
Contacts – To identify the contacts you want to send money & recharge
Camera – To scan UPI QR codes
Call – To detect the sim you wish to create your UPI ID
Location – To find the nearest store to order food & also required by NPCI for UPI transactions
Storage – To pick UPI QR code from the gallery