India’s popular payments app BHIM is adding a powerful new feature.
Users can now check their CIBIL score directly within the app.
This comes after a partnership between TransUnion CIBIL and NPCI BHIM Services Limited.
The goal is simple: make it easier for users to track their financial health without switching apps.
How the New Feature Works
With this update, users can view both their credit score and detailed credit report inside the BHIM app.
The system follows a consent-based model. This means your data is accessed only after you give permission.
To use this feature, you need BHIM app version 4.0.19 or later.
Why This Matters for Users
Until now, BHIM was mainly used for sending and receiving money.
Now, it is evolving into a more complete financial tool.
By adding credit score access, the app helps users:
Understand their credit health
Track borrowing behavior
Make better financial decisions
This is especially useful as more Indians move toward planned borrowing instead of just transactional usage.
BHIM Expands Beyond Payments
This update is part of a bigger push to improve user experience.
Recently, the app also introduced biometric authentication for UPI payments up to Rs 5,000.
Users can now approve transactions using fingerprint or facial recognition.
BHIM already offers features like expense splitting, family mode, and spending insights—making it more than just a payments app.
The Bigger UPI Story
The growth of BHIM is closely linked to the success of Unified Payments Interface (UPI).
UPI recently completed 10 years and now accounts for nearly half of the world’s real-time digital transactions.
In January 2026 alone, it processed 21.70 billion transactions worth Rs 28.33 lakh crore.
The Bottom Line
With credit score access now built in, BHIM is moving beyond payments into financial awareness.
For users, this means more control, better insights, and smarter money decisions—all from a single app.
