Comparison

DigiLocker vs HDFC Life

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

Head to head
About

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.

Highlights
  • Secure document storage
  • Digital certificate issuance
  • Document verification
  • Paperless governance
  • Mobile access to documents
Read full description

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.

About

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.

Highlights
  • Personalized learning content
  • Intuitive user interface
  • Progress tracking dashboard
  • Keyword search functionality
  • Content categories and filters
  • Mandatory learning timeline
Features
Read full description

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

DigiLocker4 screens
HDFC Life4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

DigiLocker ships an update every 3 weeks, HDFC Life monthly. The most recent releases landed on September 23, 2026 and September 9, 2026 respectively.

Scorecard2 real differences · 8 level
DigiLocker versus HDFC Life: the parameters behind the verdict, then further details
ParameterDigiLockerHDFC Life
PriceFreeFree
Rating3.3 (183 ratings)5.0 (1 ratings) — better
Positive reviews35.6% of reviews — better33.3% of reviews
Number of ratings183 — better1
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better16.0
Further details — not scored
Size112 MB131 MB
Age rating4+4+
DeveloperNational e-Governance DivisionHDFC Life Insurance Company Limited

Customer experience

DigiLocker

All ratings183 ratings
Positive53.6%
Neutral6.0%
Negative40.4%
Written reviews135 reviews
Positive35.6%
Neutral11.1%
Negative53.3%

HDFC Life

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

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 more
  • 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 more
  • 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

None

DigiLocker

No in-app purchases

None

HDFC Life

No in-app purchases

Questions

Is DigiLocker free?
DigiLocker is free to download, with no in-app purchases.
Is HDFC Life free?
HDFC Life is free to download, with no in-app purchases.
Which has better reviews, DigiLocker or HDFC Life?
HDFC Life is rated higher. DigiLocker averages 3.3 out of 5 from 183 ratings, while HDFC Life averages 5.0 from 1 ratings.
Do DigiLocker or HDFC Life have ads?
Neither DigiLocker nor HDFC Life shows ads.
Which is updated more often, DigiLocker or HDFC Life?
DigiLocker ships an update every 3 weeks, and HDFC Life monthly. Most recently, DigiLocker was updated on September 23, 2026 and HDFC Life on September 9, 2026.

Other comparisons