DigiLocker vs HDFC Life
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DigiLocker
A secure digital wallet for citizens to store and access important documents and certificates. This platform aims to reduce the need for physical paperwork by enabling digital issuance and verification.
- Secure document storage
- Digital certificate issuance
- Document verification
- Paperless governance
- Mobile access to documents
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DigiLocker – A simple and secure document wallet for Citizens. DigiLocker is a key initiative under Digital India, the Government of India's flagship program aimed at transforming India into a digitally empowered society and knowledge economy. Targeted at the idea of paperless governance, DigiLocker is a platform for issuance and verification of documents & certificates in a digital way, thus eliminating the use of physical documents. The DigiLocker website can be accessed at https://digitallocker.gov.in/. You can now access your documents and certificates from your DigiLocker on your mobile devices.
HDFC Life
This mobile learning app offers personalized and user-friendly access to educational content for registered users. It features an intuitive interface, progress tracking, and search functionality to enhance on-the-go learning and professional development.
- Personalized learning content
- Intuitive user interface
- Progress tracking dashboard
- Keyword search functionality
- Content categories and filters
- Mandatory learning timeline
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HDFC Life MLearn Personalized. User-friendly. Visual! Exclusively designed mobile learning app for HDFC Life registered users – employees, partner employees, and distributors! Intuitive design and navigation for fast and easy access to learning content. Build capability on the go and continue to create positive business impacts. Let’s get started by bridging the gap between learning and working. What to expect in the new MLearn? ○ New look user interface which not only has better visual appeal but is fast and easy to use too ○ Access newly added and featured content directly by tapping promotional banners ○ Explore set of courses curated for you in line with your learning needs ○ Keep track of courses you must do within the defined period via the mandatory learning timeline ○ Get to know about new topics that have been uploaded onto the app ○ Use My Learning Dashboard to track your learning progress Unique functionality features in New MLearn ○ Use key word search across the app to quickly find what you want to learn ○ View and search through a catalog of learning topics with the Content Categories widget ○ Use the filter option to find assets easily from a content list or from your search results ○ Use notification feature to access newly assigned modules Download the NEW MLearn app now! #WelcometheNewMLearn @ Copyright HDFC Life
Screenshots
Verdict
The clearest difference is rating: HDFC Life at 5.0 against DigiLocker's 3.3. DigiLocker's advantage is ratings volume (183 vs 1). On price, review sentiment, update cadence and ads 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.
HDFC Life holds the better App Store score, 5.0 against 3.3. That said, the two scores are not equally well evidenced: DigiLocker has 183 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 36% of DigiLocker's written reviews are positive against 33% of HDFC Life's, so the app with the better star average is not the one people write more warmly about.
DigiLocker ships an update every 3 weeks, HDFC Life monthly. The most recent releases landed on September 23, 2026 and September 9, 2026 respectively.
| Parameter | DigiLocker | HDFC Life |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (183 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 35.6% of reviews — better | 33.3% of reviews |
| Number of ratings | 183 — better | 1 |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 112 MB | 131 MB |
| Age rating | 4+ | 4+ |
| Developer | National e-Governance Division | HDFC Life Insurance Company Limited |
Customer experience
DigiLocker
HDFC Life
Bugs and requests
DigiLocker
Reported bugs
24 issues- App keeps logging out after seconds of authentication
- OTP delivery failures and invalid OTP errors
- App crashes when opening Aadhaar documents
- Blank white screens on login/signup
- App crashes on iOS 18 and iOS 26.2 versions
Show 19 moreShow fewer
- Crashes after recent updates
- Continue button not disabling after tap, causing multiple API requests
- Session timeout errors preventing login
- Document loading failures with 'something went wrong' error
- Aadhaar card retrieval failures
- Driving license fetching issues
- Name mismatch preventing document retrieval
- Documents not visible in app despite being added via web
- App not opening after update
- Verification button not clickable
- Password reset freezing during input
- Inconsistent document availability across devices
- Spam increase after app usage
- Wrong user data being pulled
- App not picking up vehicle RC and insurance data
- Cancelled error message on Aadhaar retrieval
- Invalid input error after account creation
- Dark mode text visibility issues
- Back button too small with no swipe navigation
Requested features
19 requests- Email-based authentication option
- Automatic session logout after inactivity
- Folder creation for document organization
- Bulk document deletion capability
- Support for additional document types (voter ID, APAAR ID, state-specific certificates)
Show 14 moreShow fewer
- PDF file upload support
- Document sharing/transfer between devices
- Offline document access
- Touch ID/Face ID integration
- Name change support for married women
- International accessibility for NRIs
- Integration with banks and property registration databases
- Shareable document links for applications
- Handicap documentation section
- Vehicle insurance and PUC certificate support
- Passport digital option
- Disable button after single tap to prevent multiple requests
- Allow paste functionality for Aadhaar entry
- Rectangular document upload format support
HDFC Life
Not enough reviews yet to summarise bugs or requests.
In-app purchases
DigiLocker
No in-app purchases
HDFC Life
No in-app purchases






