How to Check CIBIL Score for Free in BHIM UPI App (Step-by-Step)

 

Maintaining a good credit score is essential if you plan to apply for a home loan, car loan, or a credit card in the future. Usually, checking your official credit report directly from bureaus can cost you money or require a premium subscription.

But did you know that if you use the BHIM UPI app, you can check your CIBIL score absolutely free?

The National Payments Corporation of India (NPCI) has partnered with TransUnion CIBIL to allow users to monitor their credit health directly through the app without paying any hidden fees. In this article, we will walk you through the simple, step-by-step process to get your free credit score in less than two minutes.

Prerequisites Before You Start

To check your CIBIL score seamlessly, make sure you have the following details ready:

(a) Your Registered Mobile Number (linked to BHIM UPI).

(b) Your PAN Card Number (Permanent Account Number).

(c) Your full name as printed on your PAN card.

Step-by-Step Guide to Check Free CIBIL Score in BHIM UPI

Follow these quick steps to fetch your latest credit score directly onto your smartphone screen:

STEP 1: Login to BHIM UPI:

Open the BHIM UPI mobile app on your smartphone and log in using your secure 4-digit or 6-digit passcode or biometric authentication.

STEP 2: Navigate to Financial Services:

Once you are on the home dashboard, scroll down the page until you find the "Financial Services" section. Under this section, tap on the "Free CIBIL Score" option.

STEP 3: Accept the Instructions:

An informational screen detailing the CIBIL score feature will appear. Read through the instructions carefully and tap on the "Proceed" button at the bottom.

STEP 4: Enter Your PAN & Personal Details:

On the next screen, your registered mobile number will be auto-filled. You will need to enter:

(a) Your PAN Card Number

(b)  Your First Name (as per PAN)

(c)   Your Last Name (as per PAN)

After entering the details, check/tick the boxes to accept the Terms and Conditions of TUCIBIL and NPCI BHIM, then click "Proceed".

STEP 5: View Your CIBIL Score & Detailed Report:

Your official CIBIL Score will instantly display on your screen. If you want a deep dive into your active loans, payment history and credit inquiries, simply click on "View Cibil Report". This will securely redirect you to the detailed breakdown.

Why Should You Check Your CIBIL Score on BHIM?

(a) 100% Free of Cost: Unlike many third-party platforms that charge a fee or push subscription plans, BHIM UPI offers this feature completely free.

(b) Safe and Secure: Since BHIM is managed by the NPCI (Government of India initiative), your sensitive data like your PAN card number remains highly secure.

(c) No Negative Impact on Score: Checking your own credit score through the BHIM app counts as a "Soft Inquiry". It will not reduce or negatively impact your credit score at all.

Conclusion

Monitoring your credit health has never been easier. By leveraging the Financial Services section in the BHIM UPI app, you can stay on top of your financial profile and ensure you are always loan-ready.

Go ahead and open your BHIM app today to check your score! If you faced any issues during the process, let us know in the comments section below.