Indian users of the BHIM Payments App can now check their CIBIL Score and Credit Information Report (CIR) directly within the app, following a new partnership between TransUnion CIBIL and NPCI BHIM Services Limited (NBSL). The integration brings credit awareness into one of India’s most widely used UPI payment platforms. Users with BHIM app version 4.0.19 and above can securely view and track their credit health alongside everyday transactions such as money transfers, bill payments, and expense tracking.
Access to the CIBIL Score remains strictly consent-based, in line with regulatory guidelines. Credit data is fetched only after explicit user approval, ensuring privacy and user control.Bringing credit awareness to millionsTransUnion CIBIL, India’s leading credit information company, and NBSL — the entity behind the homegrown BHIM app — aim to make credit information as routine as digital payments.
The BHIM app already supports over 15 Indian languages and features such as Split Expenses, Family Mode, and Spends Analytics, making it popular across urban, rural, and semi-urban areas.By embedding the CIBIL Score, the app now helps users monitor their credit profile without switching between different platforms, potentially encouraging more informed borrowing and repayment decisions.
Mr Bhavesh Jain, Managing Director and CEO of TransUnion CIBIL, said the move supports India’s shift from a transactional approach to credit towards more planned financial behaviour. “This is an important step in our consumer awareness journey,” he added. It aligns with the company’s purpose of driving “Information for Good” and promotes greater credit inclusion.
Lalitha Nataraj, MD and CEO of NPCI BHIM Services Ltd, emphasised the app’s focus on simplicity. “Through our collaboration with TransUnion CIBIL, we are extending this approach to credit awareness, enabling users to access their CIBIL Score easily within the BHIM App,” she said.
“This is a step towards helping users make more informed financial decisions as part of their everyday journeys.”A step forward for financial inclusion.
The partnership reflects growing convergence between India’s digital payments ecosystem and credit services. Millions of BHIM users can now gain visibility into their credit standing in a familiar, trusted environment.Experts view the development as a boost to financial literacy, particularly as UPI continues to drive cashless transactions across the country. The feature is now live for eligible users who choose to activate it.
