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/.

A Comprehensive Guide on Free CIBIL Score

A CIBIL score is a credit score provided by the licensed credit bureau named TransUnion CIBIL. It assesses the creditworthiness of borrowers by different information that describes their credit history, including their borrowing habits, repayment patterns, outstanding loans, number of days past due, etc. The CIBIL score is a three-digit number which ranges from 300-900. The higher the number or score, the higher the creditworthiness of the individual.

If you want to know what your creditworthiness is, all you have to do is obtain your free CIBIL score online. The process takes just a few minutes, and you will receive the information regarding your credit history in your registered email address.

In this article, we answer the questions – What is the significance of CIBIL scores? What is a good CIBIL score? What determines CIBIL scores? Are CIBIL scores mandatory for loans? How to obtain free CIBIL scores?

What is the significance of CIBIL scores?

The unprecedented pandemic that stopped the world in its tracks and closed down businesses for months on end, caused a spike in borrowing. Small ticket loans are being availed now more than ever by the new generation to cover basic expenses in the light of the massive job losses. Having a good CIBIL score will ensure that loan applications are approved without much hassle. In addition to speeding up the process of availing loans, a good CIBIL score also helps borrowers get a lower rate of interest on the loans. Given this, it is important that a healthy CIBIL score is maintained.

What is a good CIBIL score?

A good CIBIL score ranges anywhere between 700-900. Anything below that will make it difficult to avail loans. This question is best answered in the form of the table below.

CIBIL Score Ranges	Creditworthiness
750-900	Excellent
700-749	Good
650-699	Fair
600-649	Uncertain
300-600	Unreliable

What determines CIBIL scores?

The CIBIL score is calculated using an algorithm that takes into consideration multiple categories of information from the credit reports of individuals. Two of the most significant factors used to calculate your free CIBIL score include:

History of payments – The history of the payments made by the individual/potential borrower is first looked into. The number of times credits have been repaid before the due date, on the due date, after the due date, etc. is specifically looked into. In fact, if the CIBIL analysis into payment history reveals a delay in repayment of over 30 days, the CIBIL score is lowered by around 100 points.


A healthy ‘credit mix’ – A ‘credit mix’ refers to different forms of credit, i.e., while calculating the CIBIL score, the variety in the loans taken by the individual is looked into. For example, say an individual has taken out a home loan which is secured credit, and also makes purchases via credit card (unsecured credit), then, that is considered to be a healthy mix. Availing only one type of loan multiple times affects your CIBIL score negatively.

Are CIBIL scores mandatory for loans?

A CIBIL score is not mandatory to avail loans. Some institutions make CIBIL scores a pre-requisite for loan approvals, but this is not the case with every type of loan. Take for instance a gold loan, here the loan is taken out against the gold that is deposited with the financial institution as collateral. The gold is the assurance of payback that the lender has. Similarly, loans taken out on tax saving fixed deposits also come with an assurance of payback in the form of the FD corpus. In these scenarios, the creditworthiness of the borrower is not as significant, because the collateral is more than sufficient to cover the costs to be recovered from the borrower in case of non-payment.

How to obtain free CIBIL scores?

The RBI has made it mandatory for the licensed credit bureaus to allow individuals to receive a free credit report annually. You can get your free CIBIL score by following these simple steps.

• Step 1: Visit the main CIBIL web address. This is a website that is a part of TransUnion, the licensed credit bureau that releases the CIBIL score.
• Step 2: The landing page has an option ‘Get Your Free CIBIL Score’. Click on this to be taken to the registration portal.
• Step 3: On the registration portal, enter the details as asked for. This includes your email address, name, mobile number, ID card type and number, pin code, etc. Here you also get to create a password for your CIBIL account.
• Step 4: A verification email will be sent to your email ID. Once you verify the same, you can log in using the password you created in the previous step.
• Step 5: Additional information, if any, regarding credit cards and loans will now be requested by the company.
• Step 6: Once all the necessary information is provided, you will receive your free CIBIL score in your registered email address.

Wishfin Launches Free Credit Score on Whatsapp

Financial marketplace Wishfin has launched a new product, "Whatsapp for Credit Score". Wishfin has integrated with Whatsapp to launch a free credit score on Whatsapp. This is a first of its kind, where Indian users will have access to their credit score on Whatsapp. This is also one of the early adaptations of Whatsapp for Credit monitoring globally.

To get free credit score on Whatsapp, users can just give a missed call at 82 87 151 151. They can also start a Whatsapp chat to check their credit score for free through this link: https://www.wishfin.com/campaign-whatsapp-cibil.

“Human-computer interaction is undergoing dramatic shifts. Voice and chat are becoming important tools of interaction. At Wishfin, our DNA is technology and we are always innovating. We wanted to be at the forefront of this trend, leveraging our cutting edge technology. We believe that Whatsapp is great for engagement with customers. Moreover, by using “Whatsapp for Credit Score” our customers can monitor their credit health at their convenience, very simply by giving us a missed call at 82 87 151 151. Whatsapp already has more than 250 million users in India and now they can access their credit score easily and simply, and in just a few seconds, by doing what they love – Whatsapp-ing!” said Puru Vashishtha, Chairman & MD, Wishfin.com.

Nearly 6 months ago, Wishfin had partnered with Whatsapp on testing its enterprise business solution. Wishfin had launched loan and credit card application on Whatsapp which was a huge success. That has further confirmed Wishfin’s belief that Whatsapp is a great engagement tool for financial products.

A few months ago, Wishfin had also partnered with TransUnion CIBIL to become the first fintech company to offer free CIBIL Credit reports in India. With the earlier success with Whatsapp, Wishfin has quickly innovated and launched this free Credit Score on Whatsapp, that really simplifies the process and offers an unparalleled customer experience of procuring a CIBIL Score and report. Customers will have complete control on the interaction, from starting the application to stopping the interaction, by just typing on Whatsapp.

Earlier known as Deal4Loans, the company rebranded itself to Wishfin in March last year. Wishfin offers financial products such as loans, credit cards etc. Wishfin.com (along with Deal4loans.com) is India’s largest lending marketplace with ~ 12 million customers and its adding half a million customers every month. Wishfin has disbursed more than ~ $3 billion worth of retail loans through its platform. Wishfin is thought leader in financial services and was the first fintech to launch Free CIBIL score in partnership with TransUnion CIBIL. Wishfin.com works with the top 40 Banks, NBFCs and financial institutions of India such as HDFC Bank, ICICI Bank, State Bank of India, HDFC Ltd, SBI Cards, Bajaj Finserve, etc.

Wishfin Launches Free Credit Score on Whatsapp

Financial marketplace Wishfin has launched a new product, "Whatsapp for Credit Score". Wishfin has integrated with Whatsapp to launch a free credit score on Whatsapp. This is a first of its kind, where Indian users will have access to their credit score on Whatsapp. This is also one of the early adaptations of Whatsapp for Credit monitoring globally.

To get free credit score on Whatsapp, users can just give a missed call at 82 87 151 151. They can also start a Whatsapp chat to check their credit score for free through this link: https://www.wishfin.com/campaign-whatsapp-cibil.

“Human-computer interaction is undergoing dramatic shifts. Voice and chat are becoming important tools of interaction. At Wishfin, our DNA is technology and we are always innovating. We wanted to be at the forefront of this trend, leveraging our cutting edge technology. We believe that Whatsapp is great for engagement with customers. Moreover, by using “Whatsapp for Credit Score” our customers can monitor their credit health at their convenience, very simply by giving us a missed call at 82 87 151 151. Whatsapp already has more than 250 million users in India and now they can access their credit score easily and simply, and in just a few seconds, by doing what they love – Whatsapp-ing!” said Puru Vashishtha, Chairman & MD, Wishfin.com.

Nearly 6 months ago, Wishfin had partnered with Whatsapp on testing its enterprise business solution. Wishfin had launched loan and credit card application on Whatsapp which was a huge success. That has further confirmed Wishfin’s belief that Whatsapp is a great engagement tool for financial products.

A few months ago, Wishfin had also partnered with TransUnion CIBIL to become the first fintech company to offer free CIBIL Credit reports in India. With the earlier success with Whatsapp, Wishfin has quickly innovated and launched this free Credit Score on Whatsapp, that really simplifies the process and offers an unparalleled customer experience of procuring a CIBIL Score and report. Customers will have complete control on the interaction, from starting the application to stopping the interaction, by just typing on Whatsapp.

Earlier known as Deal4Loans, the company rebranded itself to Wishfin in March last year. Wishfin offers financial products such as loans, credit cards etc. Wishfin.com (along with Deal4loans.com) is India’s largest lending marketplace with ~ 12 million customers and its adding half a million customers every month. Wishfin has disbursed more than ~ $3 billion worth of retail loans through its platform. Wishfin is thought leader in financial services and was the first fintech to launch Free CIBIL score in partnership with TransUnion CIBIL. Wishfin.com works with the top 40 Banks, NBFCs and financial institutions of India such as HDFC Bank, ICICI Bank, State Bank of India, HDFC Ltd, SBI Cards, Bajaj Finserve, etc.