Comparison

LIC Digital vs PNB ONE

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

Head to head
About

LIC Digital

Access comprehensive information and services for life insurance policies. Manage your policies, make payments, and find essential resources like office and agent locators. Stay updated with alerts and track your claims and requests.

Highlights
  • View policy details
  • Online premium payment
  • Benefit illustration
  • Policy brochure download
  • Office and agent locator
  • Claim status enquiry
  • Premium calendar
Features
Read full description

"OFFICIAL IOS APP FROM LIFE INSURANCE CORPORATION OF INDIA" This app is developed for LIC’s esteemed customers. Now all information about LIC products & portal services are at your fingertips. Options for viewing Product information, downloading Plan brochures of LIC, Premium calculator, Benefit illustration, Apply for Policy, LIC Office Locator, etc.  The features are as follows:- Sign in using Registered mobile number, Registered email-id View Policies of self, spouse and children Register for e-Services (online service requests) Online Premium payment; Renewal Premium and Top-up Agent Locator Doctor Locator Premium paid statements; Individual and Consolidated Premium Calendar Revival Quotations. Complaint Registration and View Complaint Status Claim status enquiry Loan status enquiry Claim history View Service Request status Email and SMS Alerts Submitting Digital Existence Certificate through Jeevan Saakshya Option Disclaimer: The Jeevan Saakshya Facility has a dependency on UIDAI for submission of Digital Existence Certificate.

About

PNB ONE

Manage all your banking needs from a single platform. Transfer funds, view statements, invest, and manage cards securely. Offers a user-friendly interface with features like fingerprint login and bill payments.

Highlights
  • Interactive dashboard
  • Account statement viewing
  • Fund transfers (NEFT/IMPS/UPI)
  • Term deposit and mutual fund investments
  • Debit and credit card management
  • Bill payments and recharges
  • Cheque status inquiry and stop cheque
Features
Read full description

PNB ONE is an amalgamation of various banking processes being delivered through single platform. This is an all in one application which allows you to transfer funds, view account statement, invest in term deposits, manage debit card & credit card and many other exclusive services at your fingertips.   Services Available / Features of PNB ONE a) Interactive Interface (i) Redesigned dashboard with more features available on the dashboard (ii) Access all the accounts on the dashboard itself. b) Accounts (i) All accounts will be displayed in illustrative manner. ( Savings, Deposits, Loan, Overdraft, Current) (ii) Detailed view of account statement (iii) Check Balances c) Transfer Funds: (i) Regular Transfers - “Self” (for own accounts), “Within” (for PNB accounts) & “Other” (for non-pnb accounts) will be there.NEFT/IMPS/UPI for Interbank fund transfers.   (ii) Instant Transfers (without adding beneficiary) - IMPS using MMID and Quick Transfer without adding beneficiary. (iii) Indo- Nepal Remittance   d) Invest funds (i) Open a term deposit account (ii) Mutual Funds (iii) Insurance e) Transactions (i) My transactions will display all the recent transactions (ii) My Favorite Payee will show list of recent payees (iii) Schedule a transaction (iv) Recurring transactions   f) Safe and secure (i) Sign in much faster and simpler with your fingerprint (ii) 2 factor authentication (iii) Encryption g) Manage Debit Card (i) Apply for a new card (ii) Update limits of ATM withdrawal, POS/ Ecomm transaction (iii) Hotlist debit card h) Manage Credit Card (i) Link/De link Credit Card (ii) Auto Payment Registration (iii) Auto Payment De-Registration (iv) Change card limit (v) Statement on e-mail (vi) Damaged card replacement i) Unified Payment Interface (UPI) (i) Send/ Collect money through UPI (ii) Transaction History (iii) Complaint Management (iv) User Deregistration j) Scan & Pay (BHARAT QR): (i) Make Payment by scanning QR directly. (ii) Link your cards once and make the payment directly from the account. k) Pay Bills/Recharge: (i) Register your biller pertaining to Mutual find, Insurance, Telecom, Electricity, DTH, credit card etc. (ii) Pay bills directly to your registered biller. l) Languages: Available in English and Hindi m)  Cheques (i) Inquire Cheque Status (ii) Stop Cheque (iii) Request for Cheque book (iv) View Cheque n)   M-Passbook (i) View account statement of account (ii) Download account statement in PDF for offline purposes. o)    Favourites p)    Value Added Services (i) PAN/ Aadhar Registration (ii) E-mail ID Updation (iii) E statement registration (iv) E-statement de registration (v) MMID( used for IMPS) (vi) Last 10 SMS q)    Complaint Service Management (i) Raise a complaint/ Service Request (ii) Track your request (iii) Request history

Screenshots

LIC Digital4 screens
PNB ONE4 screens

Verdict

The call

The clearest difference is rating: LIC Digital at 4.7 against PNB ONE's 3.6. LIC Digital also leads on ratings volume (124K vs 580) and review sentiment (26% vs 15%). PNB ONE's advantage is update cadence (every 2 weeks vs every 5 weeks). On price, ads, in-app purchases and monetization model 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

LIC Digital holds the better App Store score, 4.7 against 3.6. That said, the two scores are not equally well evidenced: LIC Digital has 124K ratings behind it against 580, so its average is the more settled of the two. Written reviews point the same way: 26% of LIC Digital's written reviews are positive against 15% of PNB ONE's.

UpkeepUpdate frequency

LIC Digital ships an update every 5 weeks, PNB ONE every 2 weeks. The most recent releases landed on October 19, 2026 and October 18, 2026 respectively.

Scorecard5 real differences · 5 level
LIC Digital versus PNB ONE: the parameters behind the verdict, then further details
ParameterLIC DigitalPNB ONE
PriceFreeFree
Rating4.7 (124K ratings) — better3.6 (580 ratings)
Positive reviews26.5% of reviews — better15.1% of reviews
Number of ratings124K — better580
Update frequencyEvery 5 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better17.0
Further details — not scored
Size100 MB387 MB
Age rating4+4+
DeveloperLife Insurance Corporation of IndiaPNB

Customer experience

LIC Digital

All ratings995 ratings
Positive82.9%
Neutral2.0%
Negative15.1%
Written reviews117 reviews
Positive26.5%
Neutral7.7%
Negative65.8%

PNB ONE

All ratings580 ratings
Positive64.3%
Neutral7.1%
Negative28.6%
Written reviews172 reviews
Positive15.1%
Neutral2.9%
Negative82.0%

Bugs and requests

LIC Digital

Reported bugs

5 issues
  • Unable to login or login issues
  • Blank screens and app crashes
  • Keyboard issues for entering date of birth
  • Payment processing failures
  • Inconsistent app behavior

Requested features

5 requests
  • Add policy surrender and ECS payment options
  • Provide policy status details like surrender value, loan details, etc.
  • Implement push notifications for premium due alerts
  • Improve UI and user experience
  • Ensure seamless cross-device compatibility

PNB ONE

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

LIC Digital

No in-app purchases

None

PNB ONE

No in-app purchases

Questions

Is LIC Digital free?
LIC Digital is free to download, with no in-app purchases.
Is PNB ONE free?
PNB ONE is free to download, with no in-app purchases.
Which has better reviews, LIC Digital or PNB ONE?
LIC Digital is rated higher. LIC Digital averages 4.7 out of 5 from 124K ratings, while PNB ONE averages 3.6 from 580 ratings.
Do LIC Digital or PNB ONE have ads?
Neither LIC Digital nor PNB ONE shows ads.
Which is updated more often, LIC Digital or PNB ONE?
LIC Digital ships an update every 5 weeks, and PNB ONE every 2 weeks. Most recently, LIC Digital was updated on October 19, 2026 and PNB ONE on October 18, 2026.

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