Accessing your credit score has become easier as digital platforms continue to expand financial services for users. In a recent move, TransUnion CIBIL has partnered with NPCI BHIM Services Limited to integrate CIBIL score access into the BHIM App.

The update allows users to view their CIBIL Score and Credit Information Report (CIR) directly within the app, eliminating the need to switch between multiple platforms. The feature is available on BHIM app version 4.0.19 and above and is designed to promote greater financial awareness alongside everyday transactions.

Importantly, access to credit data follows a consent-based framework, meaning users must explicitly approve any request before their credit information is retrieved.

How to check your CIBIL score on the BHIM app

Users can access their credit score in just a few steps within the app:

  • Step 1: Open the BHIM app and swipe down on the home screen to locate the ‘Free CIBIL Score’ option. Tap on it to view details related to the score, privacy terms, and usage limits.
  • Step 2: Enter your PAN card number along with your first and last name exactly as mentioned on the PAN card. Accept the terms and conditions and proceed.
  • Step 3: Once verified, your CIBIL score will be displayed on the screen.

What to do if there are errors in your report

If users notice discrepancies in their credit report, they can initiate a dispute through an online process:

  • Step 1: Access your latest CIBIL report by logging in (existing users) or enrolling (new users).
  • Step 2: Identify any inaccuracies or mismatched information in the report.
  • Step 3: Submit a dispute request highlighting the issue.
  • Step 4: Log in periodically to monitor the status of the dispute.

Other platforms offering free CIBIL score access

Apart from the BHIM app, users can also check their credit score through several digital platforms, including:

  • TransUnion CIBIL’s official website and mobile app
  • Google Pay
  • SBI Yono
  • CRED
  • Amazon Pay
  • Paytm
  • OneScore
  • Paisabazaar
  • ICICI Bank net banking services

Expanding BHIM’s financial role

The integration reflects a broader shift in India’s financial ecosystem, where apps are evolving beyond payments into comprehensive financial tools.

“As India moves from a largely transactional approach towards credit to a more planned one, this is an important step in our consumer awareness journey,” said Bhavesh Jain, MD and CEO of TransUnion CIBIL.

Lalitha Nataraj, MD and CEO of NPCI BHIM Services Ltd, said the collaboration extends the app’s founding principle of simplicity and user control into the credit space.

The BHIM app, developed as India’s homegrown UPI platform, serves users across urban and rural areas in more than 15 Indian languages. It also offers features such as expense splitting, family mode and spending analytics.

Earlier this year, the app introduced biometric authentication for UPI transactions up to Rs 5,000, enabling payments via fingerprint or facial recognition.

UPI’s growing footprint

The development comes as India’s Unified Payments Interface continues to scale rapidly. Marking its 10th anniversary, UPI now accounts for nearly 49 per cent of global real-time payment transactions. In January 2026 alone, the platform processed 21.70 billion transactions worth Rs 28.33 lakh crore.

(With inputs from IANS)