India’s digital payments ecosystem has taken another big leap forward. The popular BHIM app, developed under the supervision of the National Payments Corporation of India, has introduced a powerful new feature—users can now check their CIBIL score directly within the app.
This move is set to simplify financial awareness for millions of users who rely on UPI for daily transactions.
A Major Digital Upgrade for UPI Users
In a significant update, NPCI has partnered with TransUnion CIBIL to integrate credit score services into the BHIM platform. This means users no longer need to visit multiple websites or apps to check their credit score.
With just a few taps, users can now:
- View their CIBIL score
- Access their credit report
- Monitor their financial health
All of this is available within the same app they use for sending money, paying bills, and managing expenses.
Why This Feature Matters
At first glance, checking your credit score may seem like a small addition—but its impact is huge.
The CIBIL score (ranging from 300 to 900) plays a crucial role in:
- Loan approvals
- Credit card eligibility
- Interest rates offered by banks
A score above 750 is generally considered good. However, a large number of Indians have never checked their credit score before. With this feature, financial awareness becomes more accessible than ever.
How to Check CIBIL Score on BHIM App
To use this new feature, follow these simple steps:
- Update the App
Make sure you are using the latest version (BHIM 4.0.19 or above). - Open the BHIM App
Log in using your registered mobile number. - Find the Credit Score Option
Navigate to the newly added section for credit score. - Provide Consent
Your data will only be accessed after your approval, ensuring privacy and security. - View Your Score
Instantly check your CIBIL score and detailed credit report.
Privacy and Security First
NPCI has emphasized that user consent is mandatory. No credit information will be accessed without explicit permission. This ensures that your financial data remains safe and secure.
More Than Just Payments
The BHIM app is not just limited to UPI transactions anymore. It has evolved into a comprehensive financial tool offering:
- Expense tracking and analytics
- Bill payments via Bharat BillPay
- Family Mode for shared expenses
- Multi-language support (15+ Indian languages)
This new addition further strengthens its position as a one-stop digital finance solution.
This initiative by the National Payments Corporation of India and TransUnion CIBIL is expected to boost financial literacy across the country. By making credit scores easily accessible, users can make better financial decisions and improve their creditworthiness over time.