Nirra vs Ktema
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Nirra
Instantly send and receive money, shop with installment payments, and apply for loans. Manage your finances and lifestyle needs all in one place.
- Instant money transfers
- Installment shopping
- Loan applications
- Receive money
- Pay bills
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Send and receive money to anyone instantly, shop and pay installmentally or apply for a loan on Nirra.
Ktema
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Keep track of money and items you lend or borrow. Record partial payments, set reminders, and see what is still outstanding. Your records stay on your device; no account or cloud sync is required Ktema is a private, offline-first app for keeping track of things you gave to someone or currently have from someone. Track money, books, documents, electronics, household items, and anything else that matters. Set reminders, record partial payments, and quickly see what is overdue or coming up next. Features: • Track both Given and Received records • Choose Money or Item for each record • Add reminder dates for follow-up • Record partial payments and payment history • Reuse people across records • Search, filter, and sort your records • Keep everything stored locally on your device Ktema does not require an account, does not depend on cloud sync for your records, and is designed to stay simple and private.
Screenshots
Verdict
The clearest difference is update cadence: Nirra at every 2 weeks against Ktema's every 6 weeks. Nirra also leads on iOS requirement (13.0 vs 15.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Nirra ships an update every 2 weeks, Ktema every 6 weeks. The most recent releases landed on October 6, 2026 and October 21, 2026 respectively.
| Parameter | Nirra | Ktema |
|---|---|---|
| Price | Free | Free |
| Rating | 2.2 (17 ratings) — better | — |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 17 — better | — |
| Update frequency | Every 2 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 23 MB | 23 MB |
| Age rating | 4+ | 4+ |
| Developer | Liberta Leasing Limited | Bhumik Dhrangadhriya |
In-app purchases
Nirra
No in-app purchases
Ktema
No in-app purchases
