Get it checked out and sorted. I had bilateral hernias which for various reasons had to wait to be repaired until I had recovered from heart surgery - ended up being unable to walk more than a few feet without a truss (yes - they are still used!). Very painful indeed, and potentially dangerous (see 'strangulated hernia'). As I remember the first indication was pain in the area when walking after a heavy meal - I thought it was indigestion, but it went away to some extent on sitting, and then a definite lump was obvious, which became quite mobile eventually as the tear became larger allowing it to drop through - and be pushed back! Too much information perhaps, but all is fine now - it was a hell of a relief to get them fixed. In my case too, cycling was just about the only comfortable exercise I could do. Good luck!