BHIM App Users Can Now Access Credit Scores Thanks to NPCI and TransUnion CIBIL Partnership
Synopsis
Discover how the NPCI-supported BHIM app is stepping up its game by allowing users to check their credit scores directly within the app, thanks to a collaboration with TransUnion CIBIL. This feature enhances financial awareness while simplifying everyday transactions.
Key Takeaways
New BHIM app feature: Users can check credit scores directly.
Consent-based access: Data retrieval only after user approval.
Version requirement: Available in app version 4.0.19 and above.
Broader financial awareness: Enhances app utility beyond transactions.
Significant UPI milestone: Celebrated 10th anniversary with 49% of global transactions.
New Delhi, April 20 (NationPress) The BHIM app, which is supported by the National Payments Corporation of India (NPCI), has introduced a new feature that allows users to check their credit scores while managing daily transactions. This enhancement follows a partnership between TransUnion CIBIL and NPCI BHIM Services Limited, announced on Monday.
With this feature, users can conveniently view their CIBIL Score and Credit Information Report directly on the BHIM app, which enables them to monitor their credit health without needing to switch platforms.
Furthermore, access to credit information will operate under a consent-based framework, meaning that data will only be retrieved after obtaining explicit permission from users.
This functionality is available in BHIM app version 4.0.19 and later.
The introduction of credit score visibility is designed to enhance the app’s functionality beyond simple payments to include greater financial literacy.
“As India transitions from a primarily transactional credit culture to a more strategic financial planning approach, this marks a significant milestone in our journey towards consumer education,” stated Bhavesh Jain, Managing Director and CEO of TransUnion CIBIL.
Lalitha Nataraj, Managing Director and CEO of NPCI BHIM Services Ltd, remarked that this collaboration reinforces the app’s foundational principles of ease of use and user empowerment within the credit domain.
In March, NPCI BHIM Services Limited also introduced biometric authentication for UPI transactions, allowing users to verify payments of up to Rs 5,000 using either fingerprint or facial recognition technology.
Developed by NPCI BHIM Services Limited, BHIM is India’s indigenous UPI payments application, catering to users in both urban and rural areas in more than 15 languages. The app features options like expense splitting, a family mode, and spending analytics.
Recently, India’s Unified Payments Interface (UPI) celebrated its 10th anniversary, representing 49% of global real-time payment transactions.
In January 2026 alone, this instant payment system processed 21.70 billion transactions, amounting to a total value of Rs 28.33 lakh crore.
Point of View
The BHIM app's new feature is a noteworthy advancement in promoting financial literacy among users. By integrating credit score access directly into the app, it empowers individuals to take charge of their financial health while maintaining ease of use. This initiative highlights a progressive shift in India's approach to credit and financial awareness.
NationPress
1 May 2026
Frequently Asked Questions
What is the new feature in the BHIM app?
The BHIM app now allows users to check their credit scores and Credit Information Reports directly within the app.
How does the credit score access work?
Access to credit information operates on a consent-based model, ensuring that user data is retrieved only after explicit approval.
Which version of the BHIM app supports this feature?
The credit score feature is available in BHIM app version 4.0.19 and above.
What other features does the BHIM app offer?
The BHIM app includes features like expense splitting, family mode, and spending analytics, catering to users in multiple languages.
What was the transaction volume of UPI in January 2026?
In January 2026, UPI processed 21.70 billion transactions with a total value of Rs 28.33 lakh crore.
