CIBIL Score Now Available on BHIM Payments App

TransUnion CIBIL, India’s leading credit information company, today announced the integration of the consumer CIBIL Score and Credit Information Report (CIR) into BHIM Payments App, India’s homegrown payment app developed by NPCI BHIM Services Limited (NBSL). The integration enables BHIM App users to securely access, view, and track their CIBIL Score and key credit information directly within the app, empowering them with greater visibility of their credit health. Aligned with regulatory guidelines, the integration follows a customer consent-based model where credit information is accessed only after the user’s approval, ensuring transparency and control.

TransUnion CIBIL and NBSL are two premier institutions that are important to India’s financial and digital payments ecosystem. By embedding the CIBIL Score into the BHIM App, the integration places credit awareness alongside everyday financial activities. This enables consumers to make more informed financial decisions by accessing trusted credit information conveniently and securely in a familiar environment.

The BHIM Payments App is designed to support users in managing their everyday financial needs. Built for Indian users, it supports 15+ Indian languages and offers a simple, easy to navigate interface, making it accessible across urban, rural, and semi urban regions. It already enables users to manage money through features like Split Expenses, Family Mode, Spends Analytics, and Action Needed reminders. With the addition of the CIBIL Score, BHIM takes this a step further by helping users not just transact but also stay informed about their credit profile.

Commenting on the association, Mr. Bhavesh Jain, MD and CEO, TransUnion CIBIL, said: “Credit awareness and credit inclusion are at the centre of a strong and resilient credit ecosystem. The BHIM Payments App will enable CIBIL Score and Credit Information Report to be easily accessible to its millions of users. As India moves from a largely transactional approach towards credit to a more carefully planned one, this is an important step in our consumer awareness journey. It supports the development of a better informed, empowered and inclusive credit environment, in keeping with our purpose of driving ‘Information for Good’.”

Lalitha Nataraj, MD & CEO, NPCI BHIM Services Ltd, said: “BHIM Payments App has been built with a clear focus on simplicity and user control. Through our collaboration with TransUnion CIBIL, we are extending this approach to credit awareness, enabling users to access their CIBIL Score easily within the BHIM App. This is a step towards helping users make more informed financial decisions as part of their everyday journeys.”

The feature is live on BHIM Payments App version 4.0.19 and above.

About TransUnion CIBIL

India’s pioneer information and insights company, TransUnion CIBIL, makes trust possible by ensuring each person and business entity is reliably represented in the marketplace. We do this by providing an actionable view of consumers and businesses, stewarded with care.

We have developed technology and innovative solutions across core credit, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences, and personal empowerment for millions of people and commercial entities in India.

We serve the financial sector as well as commercial entities and individual consumers. Our customers in India include banks, credit institutions, NBFCs, housing finance companies, microfinance companies, telecom companies and insurance firms.

For more information visit www.transunioncibil.com.

About NPCI BHIM Services Limited:

NPCI BHIM Services Limited (NBSL) was incorporated in 2024, as a wholly owned subsidiary of the National Payments Corporation of India (NPCI). NBSL aims to enhance the adoption of digital payments through the Bharat Interface for Money (BHIM) platform and committed to providing a seamless, secure, and user-friendly payment experience to individuals and businesses across India.

NBSL facilitates quick and efficient digital transactions, offering an accessible and reliable payment solution for all. By leveraging cutting-edge technology, NBSL aims to drive financial inclusion and support India’s journey toward becoming a fully digital economy.

For more information, visit https://www.bhimupi.org.in/.

BHIM App Partners with Sony TV’s KBC to Promote Digital Payments Through Exclusive Game Show Week

• BHIM Payments App, Bharat Ka Apna Payments App Collaborates with Sony Entertainment Television to launch an exclusive ‘Golden Week’ in Kaun Banega Crorepati

BHIM App, India’s homegrown payment app developed by NPCI BHIM Services Limited (NBSL), has partnered with Sony Entertainment Television to deepen the reach of safe, secure digital payments across the country through the most iconic game show Kaun Banega Crorepati,, Sony Entertainment Television is introducing, for the first time to a digital payment platform, a special one-week edition of the KBC Game Show, curated exclusively for BHIM Payments App users.

This collaboration is designed to enable users of BHIM Payments App across India, to get a Golden Opportunity to play the game with Mr. Amitabh Bachchan. The registration window for the ‘Golden Week’ opens from September 1, 2025 till October 10, 2025 exclusively for BHIM Payment App Users. Ten selected users of the BHIM Payments App will receive an exclusive opportunity to appear on the show, and participate in the Fastest Finger First round. A dedicated week of 5 Episodes Game Show will be organized and telecasted on Sony Entertainment Television with these 10 contestants

How to Participate:

Viewers are invited to Download / Update BHIM Payments App and register through a dedicated ‘KBC Golden Week with BHIM’ section within the app. To submit their registration successfully, viewer has to answer simple question, fill their basic details and submit. All successful entries will undergo the standard screening process of KBC. The shortlisted 10 candidates will then come to the KBC set and play Fastest Finger First in the Golden Week with BHIM and get a chance to reach the Hot Seat of KBC to play the game with Amitabh Bachchan. During the ‘Golden Week with BHIM’, only those (10) users who have come through the BHIM payments app will be featured.

This resonates with Brand’s overall purpose of trust and inclusiveness and the initiative will help BHIM to create familiarity (trust) and confidence in using UPI through an experience that is interactive, rewarding, and deeply local. The more BHIM app users experience the app and participate in the registration process, higher are their chances of getting shortlisted.

This first of its kind format on the show encourages citizens to not only test their knowledge but also experience the simplicity and trust of the homegrown BHIM Payment App. This initiative is designed to reach beyond digital-first users encouraging participation from families, first-time digital adopters, and citizens in Tier 2,Tier 3 cities and towns, through a platform they already know and trust.

Lalitha Nataraj, CEO, NBSL, added, “At BHIM, our mission is to become the most trusted payment apps of India and become their choice of app for any digital payments small or big. Partnering with an Iconic platform like KBC allows us to take this message into homes across the country especially in regions where awareness and comfort with digital payments are still evolving. KBC has, over the years, earned the trust of millions of families, and this association helps us build on that trust to encourage every member of the family to use BHIM Payments App for safe and secure payments. We are delighted to collaborate with Kaun Banega Crorepati and extend this golden opportunity to our app users.

For more information, visit https://www.bhimupi.org.in/, follow on [Insta - @bhim_npci, X – NPCI_BHIM, YT - BHIMNPCI]

As BHIM’s official media partner, Madison Media has crafted the high-impact outreach strategy. Abhik Banerjee, COO, Madison Media, said: “We are delighted to welcome the BHIM Payments App as a partner for this landmark collaboration with Kaun Banega Crorepati. For decades, KBC has been a platform that unites the nation, inspires millions, and captures the hearts of viewers from every corner of India. That makes it the perfect stage for BHIM – Bharat Ka Apna Payments App to connect with audiences in a truly meaningful way.

This association marks BHIM’s first-ever integration with KBC, and we wanted to go beyond just brand presence. Working closely with Sony, we have designed an interactive experience that invites viewers, even first-time BHIM users to get a golden opportunity to participate in the iconic KBC and reach to the famous Hot Seat. With BHIM payments app, the user gets easy, safe and instant payment solutions, while being part of one of India’s most-loved and talked about shows.

For us, this partnership is about more than visibility via TV presence. It is about creating opportunities, encouraging participation, and offering every Indian citizen a rewarding reason to engage with BHIM Payments App.”

About NPCI BHIM Services Limited:

NPCI BHIM Services Limited (NBSL) was incorporated in 2024, as a wholly owned subsidiary of the National Payments Corporation of India (NPCI). NBSL aims to enhance the adoption of digital payments through the Bharat Interface for Money (BHIM) platform and committed to providing a seamless, secure, and user-friendly payment experience to individuals and businesses across India.

NBSL facilitates quick and efficient digital transactions, offering an accessible and reliable payment solution for all. By leveraging cutting-edge technology, NBSL aims to drive financial inclusion and support India’s journey toward becoming a fully digital economy.

For more information, visit: - https://www.bhimupi.org.in/

6 Ways in Which BHIM Payment App Helps Users in Their Digital Payments Journey

Digital payments are no longer limited to big cities, they’ve become a part of daily life across India, from metros to remote villages. As more people turn to payment apps for everyday needs, digital money management is evolving. It’s no longer just about sending or receiving money; it’s about tracking expenses, staying updated on bills, and having the tools to make informed financial decisions with ease and confidence.

Here are six ways users can take meaningful steps toward financial freedom, using BHIM Payments App:

1. Make Payments in a Language You’re Comfortable With

BHIM Payments App supports more than 15 Indian languages including Hindi, Marathi, Bengali, Tamil, and Odia. This makes it easier for users to navigate the app and complete transactions in their preferred language, especially helpful for shopkeepers, senior citizens, or first-time users in Tier 2 and 3 cities. Using an app that communicates in a known language builds comfort and trust, making digital transactions feel less intimidating.

2. Transact Even with Weak Internet Connectivity

The app is built to work even in areas with low or unstable internet, making it practical for users in rural regions or those who often face network issues. It helps ensure that important payments can still go through, whether at a local market or during daily business hours.

3. Track and Manage Spending Without Extra Effort

BHIM Payments App includes features like Spends Analytics, which gives users a simple monthly view of where their money is going. The Split Expenses option lets people easily share costs with friends or family, useful for roommates, joint travel, or shared groceries, without needing to track it manually.

4. Coordinate Family Expenses in One Place

With Family Mode, users can onboard family members, assign specific payments, and view shared expenses. Whether it’s a couple managing bills or siblings taking care of household expenses, this feature helps keep everyone informed and organised.

5. Allow Trusted People to Help with Payments, While Staying in Control

The UPI Circle feature lets users create a trusted network of individuals who can initiate payments on their behalf, with every transaction requiring the primary user’s approval. It’s especially helpful for elderly users who rely on caregivers or busy parents who want to let their children or household help handle daily payments like groceries or utility bills, all while maintaining full visibility and control over each transaction.

6. Get Reminders for Important Financial Tasks

The Action Needed section offers reminders for pending bills, low balance alerts, or UPI Lite activation. These gentle nudges reduce the risk of missing important payments and help users stay updated without needing to track everything manually. Additionally, users can also pay electricity, water, and other utility bills directly through the app, with no additional charges or hidden fees, making it a convenient way to manage monthly expenses.

In a growing digital economy, having access to simple, reliable tools is key to managing money independently. Features like these are helping users across Bharat take important steps toward financial freedom.

NPCI Incorporates New Wholly-owned Subsidiary NPCI BHIM Services

The National Payments Corporation of India (NPCI) has recently incorporated NPCI BHIM Services Ltd (NBSL) as a wholly-owned subsidiary. This move aims to address the growing demand for digital transactions and evolving market expectations. It also seeks to promote financial inclusion and strengthen India's digital payment ecosystem.

NPCI BHIM Services Ltd (NBSL) will focus on enhancing and expanding the services related to the BHIM (Bharat Interface for Money) app. Here are some key services they are expected to provide:

1. Digital Payment Solutions: Enhancing the BHIM app to offer more seamless and secure digital payment options.

2. Financial Inclusion Initiatives: Developing solutions to bring more people into the digital payment ecosystem, especially in rural and underserved areas.

3. Innovative Payment Services: Introducing new features and services to keep up with evolving market demands and customer preferences.

4. Customer Support and Education: Providing robust customer support and educational resources to help users understand and utilize digital payment services effectively.

This development underscores NPCI's commitment to facilitating digital payments and financial inclusivity across the country. The new subsidiary will focus on innovation and adapting to rapidly shifting customer preferences.

Besides, NPCI has two more subsidiaries to enhance and diversify its digital payment services including NPCI International Payments Limited (NIPL) and NPCI Bharat BillPay Limited (NBBL).

BHIM UPI Goes Live at NEOPAY Terminals in UAE

NPCI international and NEOPAY, payment subsidiary Mashreq Bank collaborated to offer the acceptance of BHIM UPI in the UAE

The initiative will enable millions of Indian travellers to seamlessly be able to pay for their purchases in UAE using BHIM UPI

NPCI International Payments Ltd (NIPL), the International arm of the National Payment Corporation of India has announced that BHIM UPI is now live at NEOPAY terminals, across the UAE. This initiative will empower millions of Indians who travel to the UAE, to safely and conveniently make payments using BHIM UPI. NIPL and NEOPAY, the payment subsidiary of Mashreq bank, partnered last year to create the acceptance infrastructure in the UAE.

With the acceptance of BHIM UPI in the UAE, Indian tourists can now make seamless payments through BHIM UPI across NEOPAY enabled shops and merchant stores. This partnership will play a key role in transforming the P2M payment experience for Indian travelers in the UAE. The implementation of BHIM UPI in the UAE is a stepping stone toward providing a major boost to digital payments in the country.

Mr. Ritesh Shukla, CEO, NIPL said, “We are glad to witness BHIM UPI going live in the UAE through our partnership with NEOPAY. This initiative will enable Indian tourists to perform payments using BHIM UPI which has emerged as the preferred mode of payment of Indian citizens. NIPL is consistently working towards simplifying digital payments and driving digital public goods across the globe with our cutting-edge solutions. We are dedicated to building a vast global acceptance network for UPI to ensure seamless user experiences when it comes to payments.”

Mr. Vibhor Mundhada, CEO, NEOPAY said, “Our partnership with NIPL is further evidence of our commitment to leverage the latest cutting-edge technology to provide innovative payment solutions for our customers and allowing them to take full advantage of the thriving digital economy. The UAE is consistently one of the top source markets for Indian travelers and our collaboration with NIPL will enable thousands of Indian tourists who visit the UAE every year to enjoy safe and seamless transactions."

UPI is an instant real-time payment system developed by the National Payments Corporation of India for facilitating inter-bank transactions. The simple, safe, cost-effective mobile-based payments system has become one of the most prominent forms of digital payments. In the Financial year 2022 (FY22), UPI enabled 45.6 Billion transactions, worth USD 1 Trillion, making it the best performing real-time payment eco-system in the world.

BHIM–UPI Launched in Bhutan

Finance Minister Smt Nirmala Sitharaman and Finance Minister of Bhutan Mr Lyonpo Namgay Tshering jointly launch BHIM–UPI in Bhutan

Launch fulfils the commitment made by two countries during Prime Minister of India’s State visit to Bhutan in 2019

Union Minister of Finance & Corporate Affairs Smt. Nirmala Sitharaman, Minister of State for Finance Dr Bhagwat Kisanrao Karad and Secretary, Department of Financial Services Shri Debashish Panda at the BHIM-UPI launch in New Delhi yesterday

Union Minister of Finance & Corporate Affairs Smt. Nirmala Sitharaman, along with her counterpart, the Hon’ble Finance Minister of Bhutan, Mr Lyonpo Namgay Tshering, jointly launched BHIM–UPI in Bhutan yesterday afternoon in a virtual ceremony. 

The function was also attended by the Minister of State (Finance) Dr. Bhagwat Kishanrao Karad, the Governor of the Royal Monetary Authority of Bhutan Mr Dasho Penjore, Secretary, Department of Financial Services, Shri Debasish Panda, the Ambassador of India to Bhutan, Ms Ruchira Kamboj, the Ambassador of Bhutan to India General V. Namgyel, and the MD & CEO of NPCI Shri Dilip Asbe.

While speaking on the occasion, Smt. Sitharaman said that the services have started in Bhutan under India's neighbourhood first policy and India is proud of our achievement and feel pleasure in sharing it with our valued neighbour. 

The Finance Minister said that BHIM UPI is one of the brightest spot and an achievement for digital transactions in India during the time of COVID-19 pandemic with more than 100 million UPI QRs have been created in last 5 years and BHIM UPI in 2020-21 has processed 22 billion transactions worth value Rs 41 lakh crore.

The Finance Minister of Bhutan, Mr Lyonpo Namgay Tshering, thanked and appreciated the Government of India for the launch of BHIM-UPI services in Bhutan and added that the bond between the two countries has become stronger each passing day.

This launch fulfils the commitment made by the two countries during the Hon'ble Prime Minister of India’s State visit to Bhutan in 2019. Following that visit, India and Bhutan have already enabled inter-operability in acceptance of Rupay cards in each other’s countries in two phases – acceptance of Rupay cards issued in India at Bhutan based terminals in the first phase, and vice versa in the second phase.

With today’s launch of BHIM-UPI in Bhutan, the payment infrastructures of the two countries are seamlessly connected and will benefit a large number of tourists and businessmen from India who travel to Bhutan each year. This will enhance the ease of living and ease of travelling through cashless transactions at the touch of a button.

As a part of the launch, Smt. Nirmala Sitharaman also made a Live transaction using BHIM-UPI to purchase an organic product from a Bhutanese OGOP outlet, which sells fresh farm produce made organically by local communities in Bhutan.

Bhutan is the first country to adopt UPI standards for its QR deployment, and the first country in our immediate neighbourhood to accept mobile based payments through the BHIM App.

Hackers Claim to have Found Vulnerability in BHIM App; NPCI Denies any Data Compromise

A group of ethical hackers on Monday claimed to have discovered a vulnerability affecting millions using the BHIM app, a claim which was denied by NPCI that operates the small value payments application.

Vpnmentor, which claimed to be the largest virtual private networks review website offering a research lab that helps the online community defend itself against cyber threats, alleged that there has been "data leak" discovered in the payments app.

"The developers of the CSC/BHIM website could have easily avoided exposing user data if they had taken some basic security measures to protect the data," it said.

It claimed that "a massive amount of incredibly sensitive financial data connected to the BHIM mobile payment app was exposed to the public".

Parts of data were being stored "on a misconfigured Amazon Web Services S3 bucket and was publicly accessible", it said.

"The scale of the exposed data is extraordinary, affecting millions of people all over India and exposing them to potentially devastating fraud, theft, and attack from hackers and cybercriminals," it said.

In their study, cybersecurity researchers Noam Rotem and Ran Locar said exposure of BHIM user data is akin to a hacker gaining access to the entire data infrastructure of a bank, along with millions of its users' account information.

"Having such sensitive financial data in the public domain or the hands of criminal hackers would make it incredibly easy to trick, defraud, and steal from the people exposed," they said.

"We would like to clarify that there has been no data compromise at BHIM App and request everyone to not fall prey to such speculations," a statement from state-run National Payments Corporation of India said.

It added that the body follows a high level of security and an integrated approach to protect its infrastructure and continue to provide a robust payments ecosystem. PTI AA

With 7.4 Mn Transactions, Flipkart's PhonePe Claims To Overtake Govt's BHIM App

Flipkart-owned PhonePe, the largest user of Unified Payments Interface (UPI), said it overtook the government's Bharat Interface for Mobile or BHIM app with a 45% share of the total transactions in August.

In an announcement, the company said that on its platform there were 7.47 million UPI transaction in August which is double that of 3.5 million UPI transactions in May this year. Thus, its share rose steadily from 39% in July and 36% in June to 45% in August and thus it has surpassed government's BHIP app in number of transaction as well as in total shares.

PhonePe CEO Sameer Nigam said that the upcoming next version of UPI will enable several new features and drive usage further.

The company is on an overdrive to sign on new merchants, both offline and online, ahead of the festive season which is just round the corner, Nigam said. “We have already integrated around 30 of the top 100 online merchants on the PhonePe app and in the offline space we are going live in 15 pan-India chains this quarter"

According to the latest data released by the National Payments Corporation of India (NPCI), the total number of UPI transactions stood at 16.6 million in August, of which BHIM's share was 41% with around 6.8 million transactions.

Related Reading - Makers of India's UPI App Is Bringing Ripple Technology To India

Online firms such as FreshMenu, RailYatri, AbhiBus, Box8 and TicketNew have integrated with PhonePe while offline players such as Apollo Pharmacy , Barista, Spencer's Retail and Café Cof fee Day are offering PhonePe as a payment option. “The bulk of our merchant transactions are through UPI,“ said Nigam.

Nigam further said that PhonePe achieved a phenomenal 66% month-on-month volume growth in August.

Last month, PhonePe had announced that it has achieved a phenomenal $2.5 Billion total payment volume (TPV) annual runrate which the company claims is the fastest ramp up seen in India’s digital payments market to date. PhonePe’s monthly transactions have grown 800% since December last year, fueled largely by exponential growth in online merchant, mobile recharge and bill payment transactions.

BHIM App will be Available on iOS in 10 Days

BHIM, the unified app for UPI-based payments launched by Prime Minister Narendra Modi on December 30th last year, has been generating a lot of buzz since its launch. According to a recent tweet put up by Amitabh Kant, CEO, Niti Aayog, the BHIM app has been successful in crossing 3 million downloads in just five days since its launch with over 500,000 transactions done. But, unfortunately, iOS users have been missing out on all the action since the app was only available for Android users. Well, not anymore.

The BHIM app, which has been developed by the National Payments Corporation of India (NPCI), is expected to make its iOS debut in about 10 days from now. Along with the iOS version, the app, which is currently only available in Hindi and English, will also come out with several more multilingual versions.

BHIM in the BHIM app stands for Bharat Interface for Money. The app, which is topping the Google Play Store charts in India just a few days after its launch, has been named BHIM after Babasaheb Dr. Bhimrao Ambedkar.

The app allows payments via the United Payments Interface (UPI), which makes sure that money is debited or credited directly to a user’s bank account. For those users who don't have UPI on their bank accounts yet, BHIM also supports transfers via MMID and IFSC code. UPI payments is preferred as against any other method as it only requires a Virtual Payee Address and a user doesn’t have to remember and share his/her bank details, thus reducing the risks of any fraud or theft. BHIM is also expected to support Aadhaar-based payments in the future.



The BHIM app binds together with the user’s device and mobile number. The users are required to set up a pin to login into the BHIM app each time they want to use it. There's another pin called the UPI Pin, which is required to carry out the transactions on the app.

For those sceptical about using the app due to the recent fraud and theft cases regarding mobile payments, the BHIM app developers have a three factors of authentication at place. There's one that binds the app with the device and mobile number, the second one that requires a login pin, and finally, the third one in which a separate authentication pin is required. To make the security tighter, even for regenerating their UPI Pin, a user is required to have access to their debit card details.

The government has also decided to provide UPI payments integration to USSD platform where a user can just simply dial *99# from their feature phones or even smartphones and carry out UPI based transactions without having to depend on the internet. Since India has an internet penetration of just 34.8 %, this move was well-needed.

What's interesting to note is that Paytm, one of the most famous and used mobile wallets in India after the demonetisation phase is also supporting UPI to let users load their wallets. As previously stated, UPI is a direct bank-to-bank payment method, but for now the BHIM app has put a daily limit of Rs. 20,000.

[Top Image: digit.in]