BHIM app now lets users check CIBIL score with latest update

New Delhi — The National Payments Corporation of India (NPCI)-backed BHIM app has rolled out a new feature that allows users to check their CIBIL score directly within the app, marking a step beyond basic digital payments.

The feature comes through a collaboration between TransUnion CIBIL and NPCI BHIM Services Limited. With this integration, users can access both their CIBIL Score and detailed Credit Information Report without leaving the platform.

Importantly, the system follows a consent-based framework—credit data is fetched only after the user explicitly approves access, ensuring privacy and control.

The new functionality is available on version 4.0.19 and above of the app, and is designed to expand BHIM’s role from a transactional tool to a broader financial management platform. According to Bhavesh Jain, the move supports India’s transition from informal borrowing habits to more planned and informed credit usage.

Lalitha Nataraj added that the partnership aligns with BHIM’s core principle of simplicity while giving users greater control over their financial data.

Earlier in March, the app introduced biometric authentication for UPI payments, enabling users to approve transactions of up to ?5,000 using fingerprint or facial recognition.

Developed as India’s homegrown UPI platform, the BHIM app caters to users across both urban and rural regions and supports more than 15 Indian languages. It also includes features such as expense splitting, family mode, and spending analytics.

Meanwhile, Unified Payments Interface (UPI) recently completed 10 years, now accounting for nearly 49 per cent of global real-time payment transactions. In January 2026 alone, UPI processed 21.70 billion transactions worth ?28.33 lakh crore, underscoring its scale and adoption.

With inputs from IANS