TransUnion CIBIL has partnered with NPCI BHIM Services Limited to integrate its CIBIL Score and Credit Information Report (CIR) into the BHIM Payments App. The move enables users to securely access and monitor their credit profile directly within the app, enhancing financial awareness alongside everyday transactions.
The integration follows a consent-based model, ensuring users have full control over their data. Credit information is accessed only after explicit approval, aligning with regulatory guidelines and reinforcing transparency.
By embedding credit insights into a widely used UPI platform, the initiative aims to make credit awareness more accessible to a broader audience. The BHIM App, known for its simple interface and support for over 15 Indian languages, is widely used across urban, semi-urban, and rural regions. Existing features such as Split Expenses, Family Mode, Spends Analytics, and reminders already help users manage finances efficiently. The addition of the CIBIL Score further strengthens its role as a comprehensive financial tool.
This collaboration reflects a growing shift in India’s financial ecosystem, where consumers are moving beyond basic transactions toward informed credit behaviour. Easy access to credit scores within familiar digital platforms is expected to encourage better financial planning and responsible borrowing.
Bhavesh Jain, MD and CEO, TransUnion CIBIL, said, “Making credit information easily accessible is critical to building a more inclusive and informed credit ecosystem. Integrating the CIBIL Score into the BHIM App enables millions of users to stay aware of their credit health and make better financial decisions.”
Lalitha Nataraj, MD and CEO, NPCI BHIM Services Ltd, added, “This integration aligns with our focus on simplicity and user empowerment, helping users seamlessly access credit insights as part of their everyday financial journeys.”
The feature is available on BHIM App version 4.0.19 and above.
