# Utkarsh UPI — UTKARSH SMALL FINANCE BANK > Secure and instant payment app supporting QR, VPA, Account+IFSC, UPI Lite, and Tap & Pay. (iPhone/iPad app by Utkarsh Small Finance Bank Ltd.) - Source: https://appshunter.io/ios/app/utkarsh-upi/id1575341725 (this page in markdown: same URL + `.md`) - Developer: [Utkarsh Small Finance Bank Ltd](https://appshunter.io/developer/1227745018) - Category: Finance, Business - Price: Free - Age rating: 4+ - Requires: iOS 16.0 · 33 MB - Languages: American English - Released: 2021-12-09 - Data updated: 2026-08-24 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/utkarsh-upi/id1575341725/reviews.md ## What is Utkarsh UPI? Make instant and secure payments through QR, VPA, Account + IFSC,UPI Lite, Lite Autoplay, Lite Transfer Out, Tap & Pay using Utkarsh UPI ## Key features - Instant secure payments - QR code payments - VPA payments - Account + IFSC payments - UPI Lite support - Tap & Pay functionality ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/utkarsh-upi/id1575341725/reviews.md ### 1/5 — Worst Bank *2025-11-26* My bank account was frozen twice in 6 months. I got my KYC done 6 months ago. After 6 months it was frozen again for KYC. I have made three rounds till now. The bank people are not having any effect. I am not able to make any payment for the last 20 days. Address verification has also been done. After that they are saying to submit the latest Aadhar card. Every time they are giving some new requirement. My most earnest request is that please do not get an account opened in Utkarsh Small Finance Bank..Sector 15 branch Gurgaon. ### 5/5 — Best UPI App *2025-09-26* This is a good neat and clean App for UPI and UPI lite payments are super fast. Highly recommended ### 1/5 — Third grade app *2025-08-18* It’s worst to worst, fully time wast, in digital era if you use any utkarsh bank app - fully foolishness. Every second day we receive message for stop working for updating system ### 1/5 — Registration not taking place *2024-12-28* This is new bank. Their software not up to date. They are on trial. And now I fear for the safety of my money ### 1/5 — App crashes in iPhone *2023-08-12* In new registration process the app crashes and closes unable to use app in iPhone. Kindly review and update the app **Developer response:** Dear Sir, We regret the inconvenience caused. Please reach out to our Customer Care Centre on 1800 123 9878 or email us on customercare@utkarsh.bank for further information. We will be happy to resolve your issue at the earliest. Have a good day. ### 1/5 — Worst experience on I phone *2022-08-02* Unable to open application in I phone **Developer response:** Dear Sir / Madam, We regret the inconvenience caused. Please reach out to our Customer Care Centre on 1800 123 9878 or email us on customercare@utkarsh.bank for further information. We will be happy to resolve your issue at the earliest. Have a good day. ## Frequently asked questions about Utkarsh UPI ### What payment methods does Utkarsh UPI support? Utkarsh UPI supports a variety of payment methods including QR codes, Virtual Payment Addresses (VPAs), Account + IFSC, UPI Lite, Lite Autoplay, Lite Transfer Out, and Tap & Pay for instant and secure transactions. ### Is Utkarsh UPI secure for financial transactions? Yes, Utkarsh UPI is designed to make instant and secure payments. It utilizes established UPI protocols to ensure the safety of your financial transactions. ### What is UPI Lite and how does Utkarsh UPI use it? UPI Lite is a feature that allows for faster, smaller value transactions directly on the device. Utkarsh UPI supports UPI Lite, Lite Autoplay, and Lite Transfer Out for convenient micro-payments. ### What devices is Utkarsh UPI available on? Currently, Utkarsh UPI is supported on iPhones. Users can download and use the application on their iOS devices. ### How often is Utkarsh UPI updated? The latest version of Utkarsh UPI is 11.1, and it was last updated on November 2, 2025. This indicates regular updates to improve functionality and security. ### What is the age rating for Utkarsh UPI? Utkarsh UPI has an age rating of 4+, making it suitable for a wide range of users to manage their digital payments. ### Does Utkarsh UPI have ads? No, Utkarsh UPI does not contain advertisements. As a free application from Utkarsh Small Finance Bank Ltd, it focuses on providing a seamless payment experience without interruptions. ### What are the benefits of using Utkarsh UPI for payments? Utkarsh UPI offers the convenience of instant and secure payments through multiple methods. Features like UPI Lite and Tap & Pay enhance the speed and ease of everyday transactions. ## Version history (last 5 releases) ### 11.2 — 2026-06-25 Now you can use your phone number to receive payments through any UPI app ### 11.1 — 2025-11-02 Bug Fixes & Security Enhancement ### 11.0 — 2025-10-04 Enhanced App securities & Fixed minor issues. ### 10.1 — 2025-08-19 UPI Lite and UPI Lite Autopay. Transfer OUT ### 10.0 — 2025-01-03 Fixed minor issues. ## Apps similar to Utkarsh UPI | App | Rating | Price | Category | | --- | --- | --- | --- | | [OmniCard: UPI, Card & Rewards](https://appshunter.io/ios/app/omnicard-upi-card-and-rewards/id1569978342) | 4.7 (40) | Free | Finance | | [AU 0101: Mobile Banking App](https://appshunter.io/ios/app/au-0101-mobile-banking-app/id1532869687) | 3.9 (37) | Free | Finance | | [BHIM IOB UPI](https://appshunter.io/ios/app/bhim-iob-upi/id1565773245) | 3.0 (21) | Free | Finance | | [BHIM UCO UPI](https://appshunter.io/ios/app/bhim-uco-upi/id1452986347) | 1.0 (2) | Free | Finance | | [Mony - UPI for Tourists & NRIs](https://appshunter.io/ios/app/mony-upi-for-tourists-and-nris/id6470903071) | 4.6 (556) | Free | Finance | | [BHIM PNB](https://appshunter.io/ios/app/bhim-pnb/id1593414513) | — | Free | Finance | ## More apps by Utkarsh Small Finance Bank Ltd - [Utkarsh Mobile](https://appshunter.io/ios/app/utkarsh-mobile/id1227745019) - [U-One by Utkarsh](https://appshunter.io/ios/app/u-one-by-utkarsh/id6789025370) All apps by Utkarsh Small Finance Bank Ltd: https://appshunter.io/developer/1227745018 ## Related topics [utkarsh mobile](https://appshunter.io/ios/topics/utkarsh-mobile) · [utkarsh](https://appshunter.io/ios/topics/utkarsh) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*