LIC Digital vs PNB ONE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- View policy details
- Online premium payment
- Benefit illustration
- Policy brochure download
- Office and agent locator
- Claim status enquiry
- Premium calendar
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"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.
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | LIC Digital | PNB ONE |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (124K ratings) — better | 3.6 (580 ratings) |
| Positive reviews | 26.5% of reviews — better | 15.1% of reviews |
| Number of ratings | 124K — better | 580 |
| Update frequency | Every 5 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.6 — better | 17.0 |
| Further details — not scored | ||
| Size | 100 MB | 387 MB |
| Age rating | 4+ | 4+ |
| Developer | Life Insurance Corporation of India | PNB |
Customer experience
LIC Digital
PNB ONE
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
LIC Digital
No in-app purchases
PNB ONE
No in-app purchases







