Utkarsh Mobile vs mBandhan 2.0
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.
mBandhan 2.0
Manage your banking needs with an intuitive interface. Access account information, transfer funds in real-time, create and redeem deposits, and utilize various convenient services. Enhanced security features ensure your transactions are protected.
- Personalized user experience
- Access to all account types
- Real-time fund transfers
- Easy deposit creation and redemption
- Chequebook ordering and stop payments
- Account detail updates
- Enhanced security with multi-factor authentication
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Enhanced UI and UX: Enjoy a personalised, user-first experience. Smarter and intuitive deposit and payments journey. Modern, refreshed UI for an engaging experience. Improved accessibility & feature discoverability. Access Account Information: Stay connected to your finances with the mBandhan 2.0 app. Gain instant access to your current accounts, savings accounts, cash credit accounts and loan accounts along with fixed and recurring deposits. Check your balances, review transaction history, and pre-close your deposits online, with funds instantly credited to your selected account. Real-Time Fund Transfers: Seamlessly transfer funds between your own accounts and beneficiary accounts, both within Bandhan Bank and with other banks, in real time. Enjoy Single Payment Dashboard for all payment functionalities with 3 step payment journey. Add and delete beneficiaries for both Bandhan Bank and other bank transfers with just a few taps. Download & Share Payment Receipt post payment. Easy Deposit Creation and Redemption: Single view for entire deposit portfolio (Active and Closed). 3 Steps Deposit Creation Journey to create fully custom deposit or choose for recommended fixed deposit based on your goals. Download Deposit Advice post Fixed Deposit Creation. Update Deposit Maturity Instructions & Nominee Details. Comprehensive Services: The mBandhan 2.0 app offers a range of convenient services to simplify your banking experience. You can order a new chequebook online, update your account details such as email, PAN, and address, submit Form 15GH, view and download interest, balance, and TDS certificates, check the status of your cheques, and easily mark stop payments on your cheques. Additionally, you can view a list of your debit cards and hotlist them online if needed. Enhanced Security: Your safety and security are our top priorities. The mBandhan 2.0 app ensures complete protection of your access through multiple factors of authentication. Bank with confidence, knowing that your information and transactions are secure. Whats New Section - Easy-to-use mobile app for your daily banking needs Faster, simpler onboarding for easy access Personalised, user-first experience Customisable Go-to Actions for your most used features on the dashboard. Simple and intuitive bottom navigation for easy discoverability of features and services. Multiple login options for flexibility - Fingerprint/ Face ID/ Pattern/ MPIN and Password. Smarter and intuitive deposit & payment journeys Modern, refreshed UI for an engaging experience Improved accessibility & feature discovery Personalised dashboard basis on user preference and usefulness Enhanced search functionality on dashboard for easy and quick discovery of features and services For more information on the mBandhan 2.0 app from Bandhan Bank, kindly visit https://bandhan.bank.in/ You can check our legal terms and conditions by visiting the website section hosting terms and conditions. For any feedback, queries, or issues pertaining to the mBandhan 2.0 app from Bandhan Bank, please feel free to write to customercare@bandhanbank.com
Screenshots
Verdict
The clearest difference is review sentiment: mBandhan 2.0 at 67% against Utkarsh Mobile's 17%. Utkarsh Mobile's advantage is rating (4.5 vs 2.7) and update cadence (fortnightly vs monthly). On price, ratings volume, ads and in-app purchases 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 2.7. Both are backed by a comparable volume of ratings — 4 and 3 respectively. Written reviews complicate that: 17% of Utkarsh Mobile's written reviews are positive against 67% of mBandhan 2.0's, so the app with the better star average is not the one people write more warmly about.
Utkarsh Mobile ships an update fortnightly, mBandhan 2.0 monthly. The most recent releases landed on October 13, 2026 and October 31, 2026 respectively.
| Parameter | Utkarsh Mobile | mBandhan 2.0 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (4 ratings) — better | 2.7 (3 ratings) |
| Positive reviews | 16.7% of reviews | 66.7% of reviews — better |
| Number of ratings | 4 — better | 3 |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15 — better | 15.6 |
| Further details — not scored | ||
| Size | 113 MB | 115 MB |
| Age rating | 4+ | 4+ |
| Developer | Utkarsh Small Finance Bank Ltd | Bandhan Bank Limited |
Customer experience
Utkarsh Mobile
mBandhan 2.0
In-app purchases
Utkarsh Mobile
No in-app purchases
mBandhan 2.0
No in-app purchases
Questions
Is Utkarsh Mobile free?
Is mBandhan 2.0 free?
Which has better reviews, Utkarsh Mobile or mBandhan 2.0?
Do Utkarsh Mobile or mBandhan 2.0 have ads?
Which is updated more often, Utkarsh Mobile or mBandhan 2.0?
Other comparisons
