BHIM KBL UPI vs CapitPlan
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BHIM KBL UPI
This app facilitates universal transactions through the UPI platform, allowing users to link bank accounts and initiate payments or fund requests. It supports various transfer methods including virtual IDs, Aadhaar numbers, and account details, and enables QR code generation for receiving payments.
- Link multiple bank accounts
- Initiate payment and collect requests
- Transfer funds via virtual ID, Aadhaar, account number, or mobile number
- Generate and scan QR codes for payments
- View other bank account balances
- Supports UPI to UPI and UPI to IMPS transactions
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BHIM KBL UPI (Secure Mobile App for Rapid Transactionz) Mobile application built on UPI Platform for universal app transaction, which facilitates customers to add own and other Bank accounts linked to his/her registered mobile number. Customer can initiate payment ( push ) and collect ( pull ) fund transfer request based on virtual ID, Aadhar number , Bank account number with IFSC code, Mobile Number with MMID. Download self help guide from https://www.karnatakabank.com/ktk/KBL-upi-manual.pdf Scan n Pay and Generate QR code and share A) Allowed to initiate credit collect to a card not linked account. B) Self help mode activated C) QR code generator option to generate QR Code to receive instant payments by sender using BHIM KBL UPI scan pay n pay option . D) activation of user permission to access phone features . F) Enhancements in UI/UX design Pre-Requisites: 1. Registered Mobile number with the Bank where the account is held , sim should be in primary sim Slot ( case of dual SIM Mobile devices.) 2. Mobile Number should be registered with Bank for receiving Transaction SMS Alerts 3. Should have a Valid Debit Card Link any of your other Bank Accounts which is mapped to your registered mobile number with valid Debit card You Need not to be a KBL Customer to use BHIM KBL UPI You Can initiate Money Collection Request ( PULL ) You Can View your Other Bank Account Balance You Can Send money to the Aadhaar Number, Virtual Address, Account Number & IFSC, Mobile Number & MMID (Mobile Money Identifier). You can receive money from Virtual Address ( Collect / PULL ) a) U2U (PUSH): UPI to UPI transaction (Basis Virtual Address, Account Number+IFSC, Aadhaar Number, Mobile Number+MMID). In this case, both the sending and the receiving bank are live on UPI. b) U2U (PULL): Means UPI to UPI transaction (Basis Virtual Address). In this case, both the sending and the receiving bank are live on UPI. c) U2I (PUSH): Means UPI to IMPS transaction (and Mobile Number & MMID). In this case, the sending bank is live on UPI but the receiving bank is live only on IMPS and not on UPI. BHIM KBL UPI will have two PINs 1. App PIN ( 4 Digits) which is created while profile creation. Used for securing the App and opening. 2. MPIN ( 4 Digits ) which is created for each account using SET UPI credentials option. MPIN is used for completing the transactions as 2 nd factor authentication. for more details http://goo.gl/zh1RxX
CapitPlan
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CapitPlan is a wealth management platform which allows you to invest, manage and track your wealth with ease. With us, you can invest in more than 2500 mutual fund schemes and connect directly with your financial advisor. It also allows you to raise service request. Convenience with CapitPlan: Easy, online and minimalistic process CapitPlan provides paperless onboarding process with one-time KYC registration done within the app. Transact online with few clicks - Zero platform charges, offering regular plan options only - Auto debit from registered bank account with NACH mandate - Easy Investing: SIP, STP, SWP or lumpsum investment - Withdraw funds with a single click and it will be credited to your bank account in 2-3 working days Explore mutual funds schemes - Smart filter option to get schemes based on personal criteria - Detailed insights on each scheme to help you choose from the best - Compare multiple schemes exclusively on app - Invest in ELSS and avail tax saving benefit Tools & Calculators - Goal-based planning: With multiple financial needs to achieve, you can find a fund for every goal with automatic tracking feature. - Risk profiling: Check your financial risk appetite and get appropriate investment options. - Estimate Return on Investment (RoI): Mutual fund calculators can help estimate RoI over a period of time. Wealth Tracker - Add various other asset classes (Stocks, Insurance, FDs, Bonds, PPF, PMS etc.) to track self and family’s investment portfolio 24x7. Add unlimited family member accounts without creating multiple logins. - Upload your CAS statement to track all your other broker introduced mutual fund investments. - Get summarized and detailed portfolio health reports to improve return and reduce risks. Learn about investing and personal finance - Tips and tricks on handling your personal finance - Investment news updates - Easy to understand articles and infographics Safe & Secure Investing - Provides 100% bank grade security for all your transactions - Screen lock (PIN, Pattern and fingerprint) support for your privacy - Protects privacy of your information We value your Hard-Earned Money, Start your investment journey today with CapitPlan! CapitPlan – Wealth Management platform by MoneyIsle (a brand owned by ISF Finserv LLP, AMFI registered mutual fund distributor) Disclaimer – Mutual Fund investments are subject to market risks. Read all the scheme related documents carefully. The past performance of mutual funds is not an indicator of future returns.
Screenshots
Verdict
BHIM KBL UPI and CapitPlan are too close to call on the numbers: across 6 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.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on November 5, 2026 and November 3, 2026 respectively.
| Parameter | BHIM KBL UPI | CapitPlan |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (2 ratings) — better | — |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 2 — better | — |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15 — better | 16.0 |
| Further details — not scored | ||
| Size | 33 MB | 101 MB |
| Age rating | 4+ | 4+ |
| Developer | THE KARNATAKA BANK LIMITED | Moneyisle ISF Securities Ltd |
In-app purchases
BHIM KBL UPI
No in-app purchases
CapitPlan
No in-app purchases
Questions
Is BHIM KBL UPI free?
Is CapitPlan free?
Do BHIM KBL UPI or CapitPlan have ads?
Which is updated more often, BHIM KBL UPI or CapitPlan?
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