# Utkarsh Mobile vs IDFC FIRST Bank

The clearest difference is review sentiment: IDFC FIRST Bank at 53% against Utkarsh Mobile's 17%. IDFC FIRST Bank also leads on ratings volume (3.2K vs 4) and rating (4.8 vs 4.5). Utkarsh Mobile's advantage is device support (3 vs 1) and iOS requirement (15 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.

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

IDFC FIRST Bank holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: IDFC FIRST Bank has 3.2K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 17% of Utkarsh Mobile's written reviews are positive against 53% of IDFC FIRST Bank's.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Utkarsh Mobile | IDFC FIRST Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (4 ratings)](https://appshunter.io/ios/app/utkarsh-mobile/id1227745019/reviews) | **[4.8 (3.2K ratings)](https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352/reviews)** |
| Number of ratings | 4 | **3.2K** |
| Positive reviews | 16.7% of reviews | **53.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free | Free |
| Size | 113 MB | 262 MB |
| Requires iOS | **15** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Utkarsh Small Finance Bank Ltd](https://appshunter.io/developer/1227745018) | [IDFC FIRST BANK LTD](https://appshunter.io/developer/1090320551) |

## What reviewers say

### Utkarsh Mobile

[App page](https://appshunter.io/ios/app/utkarsh-mobile/id1227745019)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### IDFC FIRST Bank

[App page](https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352)

Manage your finances with a comprehensive mobile banking app. Perform instant payments, track expenses, invest in mutual funds, and access personalized offers. Enjoy zero-fee services and secure transactions.

**Highlights:** One-Swipe account management, Instant payments and transfers, Zero fee banking services, Expense tracking and categorization, Investment portfolio management, Instant personal loans, In-app flight & hotel booking

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient mobile banking
- 🚀 Fast and smooth app experience
- 💡 Useful features like bulk transfers
- 👍 Excellent user interface and navigation

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Mandatory SIM binding issues for NRI users
- 👎 Poor customer service, especially for NRI accounts
- 🐛 Compatibility issues with newer devices and OS versions

**Reported bugs**

- Login screen freezes and infinite loops
- App not working on WiFi, only on mobile data
- Issues with adding payees and transferring funds
- Notifications and app updates not working properly

**Requested features**

- Display exchange rates for NRE/NRO account transfers
- Add support for iPads and larger screen devices
- Improve security without compromising user experience
- Provide better options for international customers


## Frequently asked questions

### Is Utkarsh Mobile free?

Utkarsh Mobile is free to download, with no in-app purchases.

### Is IDFC FIRST Bank free?

IDFC FIRST Bank is free to download, with no in-app purchases.

### Which has better reviews, Utkarsh Mobile or IDFC FIRST Bank?

IDFC FIRST Bank is rated higher. Utkarsh Mobile averages 4.5 out of 5 from 4 ratings, while IDFC FIRST Bank averages 4.8 from 3.2K ratings.

### Do Utkarsh Mobile or IDFC FIRST Bank have ads?

Neither Utkarsh Mobile nor IDFC FIRST Bank shows ads.

### Which is updated more often, Utkarsh Mobile or IDFC FIRST Bank?

Utkarsh Mobile ships an update fortnightly, and IDFC FIRST Bank fortnightly. Most recently, Utkarsh Mobile was updated on November 2, 2026 and IDFC FIRST Bank on November 7, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*