CIBIL score feature goes live on BHIM App, boosting credit awareness for UPI users

THEBUSINESSBYTES BUREAU

MUMBAI, APRIL 22, 2026

TransUnion CIBIL, India’s leading credit information company, has announced the integration of its consumer CIBIL Score and Credit Information Report (CIR) into the BHIM Payments App, the homegrown digital payments platform developed by NPCI BHIM Services Limited.

The integration enables BHIM users to securely access, view and track their CIBIL Score and key credit details directly within the app, offering greater visibility into their credit health. In line with regulatory guidelines, the feature operates on a customer consent-based model, ensuring that credit information is accessed only after explicit user approval, thereby maintaining transparency and control.

Both TransUnion CIBIL and NBSL play pivotal roles in India’s financial and digital payments ecosystem. By embedding the CIBIL Score within the BHIM app, the initiative places credit awareness alongside everyday financial transactions, allowing users to make more informed financial decisions through convenient and secure access to trusted credit information.

The BHIM Payments App, designed to cater to India’s diverse user base, supports over 15 Indian languages and offers a simple, intuitive interface. It already provides features such as split expenses, family mode, spend analytics and action reminders. With the addition of the CIBIL Score, the app expands its utility beyond transactions to include credit awareness and financial planning.

Commenting on the development, Bhavesh Jain, MD and CEO of TransUnion CIBIL, said: “Credit awareness and credit inclusion are at the centre of a strong and resilient credit ecosystem. The BHIM Payments App will enable CIBIL Score and Credit Information Report to be easily accessible to its millions of users. As India moves from a largely transactional approach towards credit to a more carefully planned one, this is an important step in our consumer awareness journey. It supports the development of a better informed, empowered and inclusive credit environment, in keeping with our purpose of driving ‘Information for Good’.”

Lalitha Nataraj, MD & CEO of NPCI BHIM Services Ltd, added: “BHIM Payments App has been built with a clear focus on simplicity and user control. 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. This is a step towards helping users make more informed financial decisions as part of their everyday journeys.”

The feature is currently live on BHIM Payments App version 4.0.19 and above.