BHIM App Adds CIBIL Score Feature, Expands into Credit Tracking

The BHIM app has introduced a new feature allowing users to check their CIBIL score and Credit Information Report (CIR) directly within the platform. The update comes through a collaboration between TransUnion CIBIL and NPCI BHIM Services Ltd, marking a significant step in integrating credit awareness with everyday digital payments.

The feature is available on BHIM app version 4.0.19 and above and enables users to access their credit data without logging into separate third-party platforms. Access is granted only after explicit user consent, in line with regulatory norms around Personal Privacy Rights (PPR).

Credit Tracking Integrated with UPI Ecosystem

The addition of credit score tracking expands BHIM’s capabilities beyond payments. Developed by the National Payments Corporation of India, the app is widely used for Unified Payments Interface transactions, including fund transfers, bill payments, and merchant payments.

With this integration, users can now view key credit details such as active loan accounts, repayment history, and outstanding balances—all within a single interface. This reduces dependency on multiple apps and simplifies financial management.

The consent-based model ensures that users retain control over their data, aligning with broader regulatory efforts to enhance transparency and data security in financial services.

Focus on Accessibility and Financial Inclusion

The BHIM app supports over 15 Indian languages and is designed for accessibility across devices, making it suitable for users in semi-urban and rural areas. The platform has already introduced features such as expense tracking, shared payments, and reminders.

By embedding credit data into a widely used payments app, the update is expected to improve financial awareness among users who are increasingly engaging with formal credit systems.

Why Credit Awareness Matters

Credit scores play a critical role in determining loan eligibility and interest rates. By making this information easily accessible, the integration allows users to monitor their financial health and track changes in their credit profile over time.

Read more: PNB Housing Targets ₹1 Lakh Crore AUM, Bets Big on Affordable Segment for Growth.

Conclusion

The BHIM app’s move to integrate credit score tracking reflects a broader shift toward unified financial platforms. By combining payments with credit insights, it enhances user convenience while promoting financial literacy and responsible borrowing behavior in India’s growing digital economy.

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