Comparison

BHIM KVB Upay vs CapitPlan

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

CapitPlan

Features
Read full description

CapitPlan is a wealth management platform which allows you to invest, manage and track your wealth with ease. With us, you can invest in more than 2500 mutual fund schemes and connect directly with your financial advisor. It also allows you to raise service request. Convenience with CapitPlan: Easy, online and minimalistic process CapitPlan provides paperless onboarding process with one-time KYC registration done within the app. Transact online with few clicks - Zero platform charges, offering regular plan options only - Auto debit from registered bank account with NACH mandate - Easy Investing: SIP, STP, SWP or lumpsum investment - Withdraw funds with a single click and it will be credited to your bank account in 2-3 working days Explore mutual funds schemes - Smart filter option to get schemes based on personal criteria - Detailed insights on each scheme to help you choose from the best - Compare multiple schemes exclusively on app - Invest in ELSS and avail tax saving benefit Tools & Calculators - Goal-based planning: With multiple financial needs to achieve, you can find a fund for every goal with automatic tracking feature. - Risk profiling: Check your financial risk appetite and get appropriate investment options. - Estimate Return on Investment (RoI): Mutual fund calculators can help estimate RoI over a period of time. Wealth Tracker - Add various other asset classes (Stocks, Insurance, FDs, Bonds, PPF, PMS etc.) to track self and family’s investment portfolio 24x7. Add unlimited family member accounts without creating multiple logins. - Upload your CAS statement to track all your other broker introduced mutual fund investments. - Get summarized and detailed portfolio health reports to improve return and reduce risks. Learn about investing and personal finance - Tips and tricks on handling your personal finance - Investment news updates - Easy to understand articles and infographics Safe & Secure Investing - Provides 100% bank grade security for all your transactions - Screen lock (PIN, Pattern and fingerprint) support for your privacy - Protects privacy of your information We value your Hard-Earned Money, Start your investment journey today with CapitPlan! CapitPlan – Wealth Management platform by MoneyIsle (a brand owned by ISF Finserv LLP, AMFI registered mutual fund distributor) Disclaimer – Mutual Fund investments are subject to market risks. Read all the scheme related documents carefully. The past performance of mutual funds is not an indicator of future returns.

Screenshots

BHIM KVB Upay3 screens
CapitPlan4 screens

Verdict

The call

BHIM KVB Upay and CapitPlan are too close to call on the numbers: across 6 compared parameters β€” price, update cadence, ads and in-app purchases among them β€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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, CapitPlan every 2 months. The most recent releases landed on October 7, 2026 and October 6, 2026 respectively.

ScorecardNo meaningful differences
BHIM KVB Upay versus CapitPlan: the parameters behind the verdict, then further details
ParameterBHIM KVB UpayCapitPlan
PriceFreeFree
Positive reviews9.1% of reviewsβ€”
Update frequencyEvery 3 monthsEvery 2 months β€” better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeβ€”
DevicesiPhoneiPhone, iPad β€” better
Requires iOS17.016.0 β€” better
Further details β€” not scored
Size29 MB85 MB
Age rating4+4+
DeveloperTHE KARUR VYSYA BANK LIMITEDMoneyisle ISF Securities Ltd

In-app purchases

None

BHIM KVB Upay

No in-app purchases

None

CapitPlan

No in-app purchases

Questions

Is BHIM KVB Upay free?
BHIM KVB Upay is free to download, with no in-app purchases.
Is CapitPlan free?
CapitPlan is free to download, with no in-app purchases.
Do BHIM KVB Upay or CapitPlan have ads?
Neither BHIM KVB Upay nor CapitPlan shows ads.
Which is updated more often, BHIM KVB Upay or CapitPlan?
BHIM KVB Upay ships an update every 3 months, and CapitPlan every 2 months. Most recently, BHIM KVB Upay was updated on October 7, 2026 and CapitPlan on October 6, 2026.

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