# Utkarsh Mobile vs BHIM PNB

The clearest difference is update cadence: Utkarsh Mobile at fortnightly against BHIM PNB's every 2 months. Utkarsh Mobile also leads on review sentiment (20% vs 8%) and device support (3 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Utkarsh Mobile ships an update fortnightly, BHIM PNB every 2 months. The most recent releases landed on September 22, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | Utkarsh Mobile | BHIM PNB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (4 ratings)](https://appshunter.io/ios/app/utkarsh-mobile/id1227745019/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | **20.0% of reviews** | 7.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free | Free |
| Size | 113 MB | 68 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) | [Punjab National Bank](https://appshunter.io/developer/898528851) |

## 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


### BHIM PNB

[App page](https://appshunter.io/ios/app/bhim-pnb/id1593414513)

This app allows users to send and receive money using a unified payment interface. It supports linking multiple bank accounts from different banks onto a single platform for easy management and transactions. Users can create payment addresses to keep their account details private.

**Highlights:** Unified Payment Interface (UPI), Link multiple bank accounts, Send and receive money, Create payment addresses, Manage accounts on a single platform, One-time and recurring mandates

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Utkarsh Mobile free?

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

### Is BHIM PNB free?

BHIM PNB is free to download, with no in-app purchases.

### Do Utkarsh Mobile or BHIM PNB have ads?

Neither Utkarsh Mobile nor BHIM PNB shows ads.

### Which is updated more often, Utkarsh Mobile or BHIM PNB?

Utkarsh Mobile ships an update fortnightly, and BHIM PNB every 2 months. Most recently, Utkarsh Mobile was updated on September 22, 2026 and BHIM PNB on September 21, 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.*