Utkarsh Mobile vs Muthoot Blue
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Utkarsh Mobile
Manage your finances on the go with this mobile banking service. Check balances, transfer funds, pay bills, open deposits, and apply for loans. Your financial companion is available 24/7 for a seamless banking experience.
- Account balance and transaction history
- Fund transfers (IMPS, NEFT, RTGS, UPI Lite)
- Bill payments
- Fixed and Recurring Deposit opening
- Nominee details update
- Locker facility application
- TDS summary access
- Loan applications
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Welcome to Utkarsh Mobile Banking App – This is the official mobile banking service from Utkarsh small finance bank. Utkarsh Mobile App seamlessly combines best-in-class technology and service to bring you an meaningful banking experience. This app will give the Utkarsh account holders a option to use our services whether you're at home, work, or on the move. Utkarsh Mobile App is your financial companion and available 24/7. With Utkarsh Mobile App, you can: Manage Your Accounts: Check balances, view transaction history, and monitor account activity in real-time. Transfer Funds: Effortlessly move money between your accounts or send funds to friends and family with just a few tap using various payment options such as IMPS, NEFT, RTGS, UPI Lite among others Pay Bills: Simplify your life and pay your bills promptly while on-the-go Open Fixed Deposits / Recurring Deposits at your convenience Update Nominee Details Locker – You can apply for Locker facility through the mobile App. Just fill in the details and our representative will call you for further process TDS Summary – You can get your TDS Summary at any given time through Utkarsh Mobile App Apply for loans – Opt for competitive interest rates on our array of Loans And much more options await you for your Banking needs! To start the service, download Utkarsh Mobile App today and log in with your Utkarsh Small Finance Bank online banking credentials. If you're not yet enrolled in online banking, sign up directly through the app or website and begin enjoying the convenience of Utkarsh Mobile App.
Muthoot Blue
Manage your financial services with this app from a leading non-banking financial company. Access loan details, make payments, check gold loan rates, and find nearby branches. It offers a user-friendly interface for seamless service management.
- Check gold loan rates
- View active loan details
- Remit interest and principal
- Pay via QR code
- Calculate loan eligibility
- Locate nearest branches
- Schedule branch appointments
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Welcome to Muthoot Blue app, your one stop solution to avail services provided by Muthoot Fincorp Limited, India’s leading non-banking financial company. The app comes with a clean and simple user interface, designed to deliver an excellent user experience and service. For existing customers of Muthoot Fincorp Limited, this app eases most of your servicing needs such as loan account details, loan statements, interest and principal remittances etc. With MuthootBlue following are some of the services that you avail :- · Check the gold loan rate for your area · Check your active loan details · Interest & Principal remittance on your loans . Pay by scanning QRCode · Calculate your gold loan eligibility amount · Locate your nearest Muthoot Fincorp branch · Schedule an appointment with us in your nearest branch · Information about our products · Blood donors’ information in your area · FAQs App permissions Camera - This is required for QRCode scanning SMS - This is required so we can seamlessly pick up the password we send when you apply for a loan or make a payment Location - We will need this permission so that we can show you the maximum Gold Loan rate available in your area and also to locate the nearest Muthoot Fincorp branches to be able to serve you better. This app is our commitment to serve you better and we will always strive to maintain the trust you have placed in us.
Screenshots
Verdict
The clearest difference is rating: Utkarsh Mobile at 4.5 against Muthoot Blue's 2.2. Utkarsh Mobile also leads on update cadence (fortnightly vs every 5 weeks). Muthoot Blue's advantage is iOS requirement (13.2 vs 15). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Utkarsh Mobile holds the better App Store score, 4.5 against 2.2. Both are backed by a comparable volume of ratings — 4 and 5 respectively. Written reviews point the same way: 17% of Utkarsh Mobile's written reviews are positive against 11% of Muthoot Blue's.
Utkarsh Mobile ships an update fortnightly, Muthoot Blue every 5 weeks. The most recent releases landed on October 13, 2026 and October 14, 2026 respectively.
| Parameter | Utkarsh Mobile | Muthoot Blue |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (4 ratings) — better | 2.2 (5 ratings) |
| Positive reviews | 16.7% of reviews — better | 10.9% of reviews |
| Number of ratings | 4 | 5 — better |
| Update frequency | Fortnightly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15 | 13.2 — better |
| Further details — not scored | ||
| Size | 113 MB | 29 MB |
| Age rating | 4+ | 4+ |
| Developer | Utkarsh Small Finance Bank Ltd | Muthoot Fincorp Limited |
Customer experience
Utkarsh Mobile
Muthoot Blue
In-app purchases
Utkarsh Mobile
No in-app purchases
Muthoot Blue
No in-app purchases
Questions
Is Utkarsh Mobile free?
Is Muthoot Blue free?
Which has better reviews, Utkarsh Mobile or Muthoot Blue?
Do Utkarsh Mobile or Muthoot Blue have ads?
Which is updated more often, Utkarsh Mobile or Muthoot Blue?
Other comparisons
