Comparison

khUshi vs Mukta Universal

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

Head to head
About

khUshi

This AI-powered insurance app simplifies policy management, allowing users to access details, update personal information, and make payments. It acts as a 24/7 personal assistant for all your insurance needs, offering reminders and easy access to documents.

Highlights
  • AI-powered customer service
  • Policy details access
  • KYC and address updates
  • Premium payment
  • Document downloads
  • Renewal reminders
  • Browse insurance plans
Features
Read full description

About Us: Say Hello to ‘khUshi’ - Your very own PNB MetLife customer service App powered with Artificial Intelligence. ‘khUshi’ is a one-of-a-kind insurance app that simplifies customer service experience for policy related queries, anytime, on-the-go. Being a smart insurance app, khUshi makes customer service a whole lot smarter by providing details about your policy such as fund value, nominee details and many more. She takes requests to update your KYC, address change, contact details & more. khUshi can set reminders so that you never forget important tasks like premium due date. Key features: • Ease of Login: Login on app via multiple modes making it easier and most convenient for you to access. • In-App payment: Easy and hassle-free payment of premium of your insurance policy. • Real-Time Access To Policy Related Information: With our online insurance app stay up-to-date with your insurance policy details such as insurance policy renewal, summary of your fund and fund value, Nominee details, Sum Assured Amount & Premium Due Date; khUshi knows it all. • Update & Track Your Personal & Policy related Details on-the-go: You can now update your policy details, on-the-go, anytime. Whether your contact information, bank details, or KYC documents like PAN Card, Aadhaar; you can change & update all these details. For every request, khUshi also provides a service token number on a real-time basis for further reference with which you can track the status of the request. • Download Receipts & Statements: Get easy access to your policy related documents like premium receipts & notices, premium paid certificate & account statements. • Just Like Your Personal Assistant: khUshi is a customer servicing assistant who is available for you 24x7. She has capabilities to set policy renewal reminders, address your insurance related queries, & a whole lot more. • Our Insurance Solutions: The user-friendly interface of this life insurance mobile app also makes it easier for you to browse our various insurance plans such as – Family Protection Solutions Retirement Plans Long-term Savings Plans Group Solutions Child Education Plans ….and more! But wait, there’s more! We will be coming up with more new features shortly… Simple steps to install & start using ‘khUshi’ – Our online insurance application on your device: • Download PNB Metife khUshi application from App store. • Login to the app using your PNB MetLife website ‘customer login’ credentials or ‘register’ to create your login credentials • You are now ready to interact with ‘khUshi’ using your device! For any feedback, queries or issues pertaining to ‘khUshi’ application, please write to indiaservice@pnbmetlife.co.in To know more about PNB MetLife: khUshi, download the app today or - For further details, visit our website: https://www.pnbmetlife.com/ Follow us on Facebook: https://www.facebook.com/PNBMetLife Follow us on Twitter: https://twitter.com/PNBMetlife1 Follow us on Instagram: https://www.instagram.com/pnb_metlife/ Follow us on LinkedIn: https://www.linkedin.com/company/pnb-metlife-india-insurance-co-ltd Follow us on YouTube: https://www.youtube.com/user/pnbmetlife What’s new New and better look & feel for an improved user experience with better login. You can now experience a faster, smarter & more convenient way of paying your premium on khUshi App You can track your service request raised from any touch points easily.

About

Mukta Universal

Features
Read full description

Mukta Universal is an AMFI Registered Mutual Fund Distributor, with a mission to provide ethical, transparent, and responsible investment advisory services. We believe in building long-term relationships with our clients based on trust, integrity, and a shared vision for wealth creation. Our philosophy centers around client-centric financial planning that aligns with your life goals and values. We don't just sell financial products; we create comprehensive wealth management strategies that stand the test of time and market cycles.

Screenshots

khUshi4 screens
Mukta Universal4 screens

Verdict

The call

khUshi and Mukta Universal are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

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

ScorecardNo meaningful differences
khUshi versus Mukta Universal: the parameters behind the verdict, then further details
ParameterkhUshiMukta Universal
PriceFreeFree
Rating4.5 (32 ratings) — better—
Positive reviews22.2% of reviews—
Number of ratings32 — better—
Update frequencyEvery 2 months—
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size110 MB246 MB
Age rating4+4+
DeveloperPNB MetLife India Insurance Company LimitedMukta Universal

In-app purchases

None

khUshi

No in-app purchases

None

Mukta Universal

No in-app purchases

Questions

Is khUshi free?
khUshi is free to download, with no in-app purchases.
Is Mukta Universal free?
Mukta Universal is free to download, with no in-app purchases.
Do khUshi or Mukta Universal have ads?
Neither khUshi nor Mukta Universal shows ads.

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