Comparison

BHIM KVB Upay vs KDCC Mobile Bank

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

Head to head
About

BHIM KVB Upay

Manage all your bank accounts in one place with this UPI application. Easily transfer funds, request money, and pay using a Virtual Payment Address (VPA) or QR code. Securely access your account balance and block spam VPAs.

Highlights
  • Fund transfer using VPA, IFSC, or Aadhaar
  • Send and collect money
  • Access all linked bank accounts
  • Pay via QR code scanning
  • Check account balance
  • Block spam VPAs
Features
Read full description

Karur Vysya Bank presents KVB Upay – A Unified Payments Interface (UPI) application that lets you transfer funds from any bank account using a Virtual Payment Address (VPA), IFSC & Aadhaar. What is UPI? Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The UPI is regulated by the Reserve Bank of India (RBI) and works instantly by transferring funds between two bank accounts on a mobile platform. If you operate multiple banks account & use multiple apps for your payments? Switch to KVB Upay for managing all your accounts at one place. Benefits of using KVB Upay - No need to remember account number, IFSC for fund transfer - Send/Collect money using a Virtual Payment Address - Access all bank accounts linked to your mobile number in one app - Pay to friends & relatives using their VPA - Pay to any user using any UPI application. - Request money from any UPI user - Scan a QR and pay on the fly. - Make Payments by QR Scanning - Check account balance - Block unwanted VPA as Spam What are the requirements for using KVB UPay? You should have following - A iPhone with internet services - An operative bank account - The mobile number being registered with UPI must be linked to the bank account. - Active debit card relating to this account for creating mPin. How to register for KVB Upay? - Download β€œBHIM KVBUPay” from iOS App Store - Click on β€œProceed” to verify your mobile number. - An SMS will be sent from your mobile for verification. - After your mobile number is verified, the Profile Registration screen is displayed. Fill in the required details. - Create six digits numeric application password for logging in to application and confirm the same. - Once successfully registered, login to the app and create VPA for the bank account linked. - Select the Bank & create VPA for the bank. - Set mPin for the selected bank using debit card Support 24 X 7: Email id: customersupport@kvbmail.com Toll Free Number: 18602001916 Supported Banks: Visit our website https://www.npci.org.in/bhim-live-members to find out if your bank is live on BHIM Permissions for App and reasons SMS - As per NPCI guidelines, we will be sending a background SMS to verify the customer and mobile number linked to it. Location – As per NPCI guidelines, we will capture location details Storage – We need this permission to store the scanned QR Code. Calls – We need this permission to detect SIM present or not Go ahead and download BHIM KVBUPay application to experience the unique way of making payments using a Virtual Payment Address (VPA).

About

KDCC Mobile Bank

Features
Read full description

About this app Kolhapur DCC Bank Ltd. official mobile banking Application For registration, visit your concerned branch for the generation of Token or register yourself using Debit card details linked with registered mobile number. Features: 1. Secure and easy to use. 2. Offers services like balance enquiry, Mini statement, account details, Fund transfer with Bank and other bank. 3. Place cheque book request, Enquire Cheque status and stop issued cheque. 4. Request for ATM card, Generate ATM PIN or hotlist ATM Card. 5. Nominee updation.

Screenshots

BHIM KVB Upay4 screens
KDCC Mobile Bank4 screens

Verdict

The call

The clearest difference is iOS requirement: KDCC Mobile Bank at 12.0 against BHIM KVB Upay's 17.0. On price, update cadence, ads and in-app purchases there is nothing between them.

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

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

UpkeepUpdate frequency

BHIM KVB Upay ships an update every 3 months, KDCC Mobile Bank every 2 months. The most recent releases landed on September 19, 2026 and September 7, 2026 respectively.

Scorecard1 real difference Β· 7 level
BHIM KVB Upay versus KDCC Mobile Bank: the parameters behind the verdict, then further details
ParameterBHIM KVB UpayKDCC Mobile Bank
PriceFreeFree
Positive reviews9.1% of reviewsβ€”
Update frequencyEvery 3 monthsEvery 2 months β€” better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeβ€”
DevicesiPhoneiPhone, iPod β€” better
Requires iOS17.012.0 β€” better
Further details β€” not scored
Size29 MB65 MB
Age rating4+4+
DeveloperTHE KARUR VYSYA BANK LIMITEDTHE KOLHAPUR DISTRICT CENTRAL COOPERATIVE BANK LIMITED

In-app purchases

None

BHIM KVB Upay

No in-app purchases

None

KDCC Mobile Bank

No in-app purchases

Questions

Is BHIM KVB Upay free?
BHIM KVB Upay is free to download, with no in-app purchases.
Is KDCC Mobile Bank free?
KDCC Mobile Bank is free to download, with no in-app purchases.
Do BHIM KVB Upay or KDCC Mobile Bank have ads?
Neither BHIM KVB Upay nor KDCC Mobile Bank shows ads.
Which is updated more often, BHIM KVB Upay or KDCC Mobile Bank?
BHIM KVB Upay ships an update every 3 months, and KDCC Mobile Bank every 2 months. Most recently, BHIM KVB Upay was updated on September 19, 2026 and KDCC Mobile Bank on September 7, 2026.

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