Comparison

KBL mPassbook vs khUshi

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

KBL mPassbook

Access your bank account passbook digitally on your mobile device. Register using your customer ID and registered mobile number to view transactions, locate branches and ATMs, and access mobile banking links.

Highlights
  • Digital passbook access
  • Transaction history viewing
  • ATM locator
  • Branch locator
  • Link to mobile banking
  • Branch holiday list
Features
Read full description

Karnataka Bank Offers New Generation Mobile PassBook service branded as "KBL mPassbook" to its Customers. Register by entering your i) 9 digit Customer Id which is available on 1st page of your physical Pass Book or by contacting your Base branch and ii) 10 digit Mobile number registered with the Bank. iii) New features added ATM locator , Branch Locator , link to mobile Banking and Branch Holiday List.

About

khUshi

This AI-powered insurance app simplifies policy management, allowing users to access details, update personal information, and make payments. It acts as a 24/7 personal assistant for all your insurance needs, offering reminders and easy access to documents.

Highlights
  • AI-powered customer service
  • Policy details access
  • KYC and address updates
  • Premium payment
  • Document downloads
  • Renewal reminders
  • Browse insurance plans
Features
Read full description

About Us: Say Hello to ‘khUshi’ - Your very own PNB MetLife customer service App powered with Artificial Intelligence. ‘khUshi’ is a one-of-a-kind insurance app that simplifies customer service experience for policy related queries, anytime, on-the-go. Being a smart insurance app, khUshi makes customer service a whole lot smarter by providing details about your policy such as fund value, nominee details and many more. She takes requests to update your KYC, address change, contact details & more. khUshi can set reminders so that you never forget important tasks like premium due date. Key features: • Ease of Login: Login on app via multiple modes making it easier and most convenient for you to access. • In-App payment: Easy and hassle-free payment of premium of your insurance policy. • Real-Time Access To Policy Related Information: With our online insurance app stay up-to-date with your insurance policy details such as insurance policy renewal, summary of your fund and fund value, Nominee details, Sum Assured Amount & Premium Due Date; khUshi knows it all. • Update & Track Your Personal & Policy related Details on-the-go: You can now update your policy details, on-the-go, anytime. Whether your contact information, bank details, or KYC documents like PAN Card, Aadhaar; you can change & update all these details. For every request, khUshi also provides a service token number on a real-time basis for further reference with which you can track the status of the request. • Download Receipts & Statements: Get easy access to your policy related documents like premium receipts & notices, premium paid certificate & account statements. • Just Like Your Personal Assistant: khUshi is a customer servicing assistant who is available for you 24x7. She has capabilities to set policy renewal reminders, address your insurance related queries, & a whole lot more. • Our Insurance Solutions: The user-friendly interface of this life insurance mobile app also makes it easier for you to browse our various insurance plans such as – Family Protection Solutions Retirement Plans Long-term Savings Plans Group Solutions Child Education Plans ….and more! But wait, there’s more! We will be coming up with more new features shortly… Simple steps to install & start using ‘khUshi’ – Our online insurance application on your device: • Download PNB Metife khUshi application from App store. • Login to the app using your PNB MetLife website ‘customer login’ credentials or ‘register’ to create your login credentials • You are now ready to interact with ‘khUshi’ using your device! For any feedback, queries or issues pertaining to ‘khUshi’ application, please write to indiaservice@pnbmetlife.co.in To know more about PNB MetLife: khUshi, download the app today or - For further details, visit our website: https://www.pnbmetlife.com/ Follow us on Facebook: https://www.facebook.com/PNBMetLife Follow us on Twitter: https://twitter.com/PNBMetlife1 Follow us on Instagram: https://www.instagram.com/pnb_metlife/ Follow us on LinkedIn: https://www.linkedin.com/company/pnb-metlife-india-insurance-co-ltd Follow us on YouTube: https://www.youtube.com/user/pnbmetlife What’s new New and better look & feel for an improved user experience with better login. You can now experience a faster, smarter & more convenient way of paying your premium on khUshi App You can track your service request raised from any touch points easily.

Screenshots

KBL mPassbook4 screens
khUshi4 screens

Verdict

The call

The clearest difference is rating: khUshi at 4.6 against KBL mPassbook's 3.3. khUshi also leads on update cadence (every 2 months vs every 6 months). On price, review sentiment, ratings volume and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

khUshi holds the better App Store score, 4.6 against 3.3. Both are backed by a comparable volume of ratings — 20 and 38 respectively. Written reviews point the same way: 17% of KBL mPassbook's written reviews are positive against 22% of khUshi's.

UpkeepUpdate frequency

KBL mPassbook ships an update every 6 months, khUshi every 2 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard2 real differences · 8 level
KBL mPassbook versus khUshi: the parameters behind the verdict, then further details
ParameterKBL mPassbookkhUshi
PriceFreeFree
Rating3.3 (20 ratings)4.6 (38 ratings) — better
Positive reviews16.9% of reviews22.2% of reviews — better
Number of ratings2038 — better
Update frequencyEvery 6 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.015.0
Further details — not scored
Size24 MB110 MB
Age rating4+4+
DeveloperTHE KARNATAKA BANK LIMITEDPNB MetLife India Insurance Company Limited

Customer experience

KBL mPassbook

All ratings20 ratings
Positive55.0%
Neutral10.0%
Negative35.0%
Written reviews65 reviews
Positive16.9%
Neutral6.2%
Negative76.9%

khUshi

All ratings32 ratings
Positive90.6%
Neutral3.1%
Negative6.3%
Written reviews9 reviews
Positive22.2%
Neutral0.0%
Negative77.8%

In-app purchases

None

KBL mPassbook

No in-app purchases

None

khUshi

No in-app purchases

Questions

Is KBL mPassbook free?
KBL mPassbook is free to download, with no in-app purchases.
Is khUshi free?
khUshi is free to download, with no in-app purchases.
Which has better reviews, KBL mPassbook or khUshi?
khUshi is rated higher. KBL mPassbook averages 3.3 out of 5 from 20 ratings, while khUshi averages 4.6 from 38 ratings.
Do KBL mPassbook or khUshi have ads?
Neither KBL mPassbook nor khUshi shows ads.
Which is updated more often, KBL mPassbook or khUshi?
KBL mPassbook ships an update every 6 months, and khUshi every 2 months. Most recently, KBL mPassbook was updated on November 2, 2026 and khUshi on November 3, 2026.

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