BHIM KVB Upay vs JKB mGROW
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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 “BHIM KVBUPay” from iOS App Store - Click on “Proceed” 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).
JKB mGROW
Manage your complete financial portfolio, including mutual funds, stocks, bonds, and insurance. Track investments, view historical performance, and generate detailed reports. Invest online and utilize various financial calculators for planning.
- Complete portfolio reporting
- Historical performance tracking
- Online mutual fund investment
- Advanced capital gain reports
- SIP and insurance tracking
- Financial calculators
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JKB mGROW is one-stop shopping for all your Wealth Management needs. You can use this state of the art app to stay on top of your Complete Financial Portfolio with all assets: - Mutual Funds - Equity Shares - Bonds - Fixed Deposits - PMS - Insurance Key Features: - Complete Portfolio report download including all assets. - View historical Performace of your Portfolio easily - Easy login via your Google email id. - Transaction statement of any period - 1 Click Statement of Account Download for any Asset Management Company in India - Advanced Capital Gain Reports - Invest Online in any Mutual fund scheme or New Fund Offer. Track all orders till the allotment of units to keep complete transparency - SIP Report to be informed of your Running and Upcoming SIPs, STPs. - Insurance list to keep track of premiums to be paid. - Folio details registered with each AMC. Calculators and Tools available: - Retirement Calculator - SIP Calculator - SIP Delay Calculator - SIP Step up Calculator - Marriage Calculator - EMI Calculator
Screenshots
Verdict
BHIM KVB Upay and JKB mGROW are too close to call on the numbers: across 7 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
BHIM KVB Upay ships an update every 3 months, JKB mGROW every 2 months. Both last shipped on October 24, 2026.
| Parameter | BHIM KVB Upay | JKB mGROW |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (2 ratings) — better |
| Positive reviews | 9.1% of reviews | — |
| Number of ratings | — | 2 — better |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 17.0 | 16.0 — better |
| Further details — not scored | ||
| Size | 29 MB | 87 MB |
| Age rating | 4+ | 4+ |
| Developer | THE KARUR VYSYA BANK LIMITED | JKB FINANCIAL SERVICES LIMITED |
Customer experience
BHIM KVB Upay
JKB mGROW
In-app purchases
BHIM KVB Upay
No in-app purchases
JKB mGROW
No in-app purchases
Questions
Is BHIM KVB Upay free?
Is JKB mGROW free?
Do BHIM KVB Upay or JKB mGROW have ads?
Which is updated more often, BHIM KVB Upay or JKB mGROW?
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