Comparison

Kresko Wealth vs IDBI Soft Token

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

Head to head
About

Kresko Wealth

Features
Read full description

Investment Portfolio App for customers of Kresko Wealth Kresko Wealth is a state of the art investment & insurance portfolio management App for customers With Kresko Wealth App, you can get several views of your portfolio which will not only keep you abreast about its latest status, but also help you making important decisions for investment re-balancing, profit booking or stopping loss. Here are some of the many features of the Kresko Wealth App: ï Get a summary view of the current status of your investments across asset classes ï Get a summary view of the insurance cover of all members in your family ï Drill down to full detail ï View Upcoming portfolio events ï Get alerts about your important events such as life insurance premium due, general insurance renewals, SIP due, FMP maturity, etc. ï Buy / Redeem / Switch Mutual Funds online from any AMC ï Get best in the class MF advisory ï Raise a service ticket to your advisor ï Host of useful financial calculators to help you plan your short term and long term financial goals ï Digital Vault ñ access your important documents anytime from your Smartphone ï Provides coverage of all major General Insurance sections such as Health, Motor, Fire etc. ï Track small saving investments like PPF, NSC, KVP, FD, RD etc. ï Maintain your investments in Stocks, Bonds, Bullion, Commodities etc.

About

IDBI Soft Token

Generate One-Time Passwords (OTPs) offline for secure authentication with your bank's net banking. This app eliminates the need for SMS OTPs, offering a convenient and reliable alternative for authorizing transactions without mobile network coverage.

Highlights
  • Offline OTP generation
  • Alternative to SMS OTP
  • Secure transaction authentication
  • No mobile network required
  • Convenient OTP access
  • Registration via net banking
Features
Read full description

OTP generated through this application is an alternative to SMS OTP, for authenticating transactions/requests in IDBI Net Banking. It enables you to generate OTP from mobile based application in lieu of SMS OTP sent by Bank on registered mobile number. This option eliminates the need to have mobile coverage, non-receipt or delayed delivery of SMS OTP. It is a convenient way of generating OTP instead of waiting for the SMS OTP. In order to use the facility, you need to complete the registration process. You need to login to internet banking and request for soft token registration. The registration option is available in the My Profile section under “Security” tab named as “Soft Token Registration”. Upon submitting the registration request, you will receive activation code through SMS. If activation code is not received, you can also regenerate using “Soft Token Activation Code Regeneration” option in net banking . Once you receive the activation code, you can complete the activation process of this application on your mobile by providing details such as customer ID and internet banking login id. Upon submission and verification of user details, activation to IDBI Soft Token will be completed. Now you can start using soft token based OTP for authorizing financial transactions/ requests. Benefits: · The OTP generated is offline. Hence there is no need to be on mobile network. · No need to wait for OTP sent over SMS. Important Instructions: · You need to register for availing this service. Kindly initiate registration process from net banking. · You will need activation code, Customer ID and login details to enable net banking channel. · Select SIM having registered mobile number for activation process. · Every time you need to provide Pass code to generate Soft Token Based OTP from APP. · In case you forget the pass code, Please re-initiate the activation process.

Screenshots

Kresko Wealth3 screens
IDBI Soft Token4 screens

Verdict

The call

The clearest difference is update cadence: IDBI Soft Token at every 7 months against Kresko Wealth's every 26 months. On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

Kresko Wealth ships an update every 26 months, IDBI Soft Token every 7 months. The most recent releases landed on October 9, 2026 and October 16, 2026 respectively.

Scorecard1 real difference · 7 level
Kresko Wealth versus IDBI Soft Token: the parameters behind the verdict, then further details
ParameterKresko WealthIDBI Soft Token
PriceFreeFree
Positive reviews—33.3% of reviews
Update frequencyEvery 26 monthsEvery 7 months — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS11.0 — better12.0
Further details — not scored
Size51 MB11 MB
Age rating4+4+
DeveloperKresko WealthIDBI BANK LIMITED

In-app purchases

None

Kresko Wealth

No in-app purchases

None

IDBI Soft Token

No in-app purchases

Questions

Is Kresko Wealth free?
Kresko Wealth is free to download, with no in-app purchases.
Is IDBI Soft Token free?
IDBI Soft Token is free to download, with no in-app purchases.
Do Kresko Wealth or IDBI Soft Token have ads?
Neither Kresko Wealth nor IDBI Soft Token shows ads.
Which is updated more often, Kresko Wealth or IDBI Soft Token?
Kresko Wealth ships an update every 26 months, and IDBI Soft Token every 7 months. Most recently, Kresko Wealth was updated on October 9, 2026 and IDBI Soft Token on October 16, 2026.

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