# Kapil Chits vs Here by HDFC ERGO

The clearest difference is rating: Here by HDFC ERGO at 4.3 against Kapil Chits's 1.0. Here by HDFC ERGO also leads on ratings volume (38 vs 1) and update cadence (every 3 weeks vs every 2 months). On price, review sentiment, ads and in-app purchases there is nothing between them.

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

Here by HDFC ERGO holds the better App Store score, 4.3 against 1.0. That said, the two scores are not equally well evidenced: Here by HDFC ERGO has 38 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 7% and 7% positive.

Kapil Chits ships an update every 2 months, Here by HDFC ERGO every 3 weeks. The most recent releases landed on November 3, 2026 and November 9, 2026 respectively.

## The numbers

| Metric | Kapil Chits | Here by HDFC ERGO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/kapil-chits/id1575314897/reviews) | **[4.3 (38 ratings)](https://appshunter.io/ios/app/here-by-hdfc-ergo/id1670377706/reviews)** |
| Number of ratings | 1 | **38** |
| Positive reviews | 6.7% of reviews | 6.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 58 MB | 239 MB |
| Requires iOS | **13.0** | 14.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Kapil IT Solutions Pvt. Ltd.](https://appshunter.io/developer/1575314899) | [HDFCErgo](https://appshunter.io/developer/518303871) |

## What reviewers say

### Kapil Chits

[App page](https://appshunter.io/ios/app/kapil-chits/id1575314897)

Manage your chit fund subscriptions and payments directly from your device. Access all your chit information, join new chits, and make instant payments securely and conveniently. Discover exclusive products and services from the Kapil Group.

**Highlights:** Instant chit payments, Chit information access, Join new chits, View chit summaries, Secure login, Exclusive product discovery

**Features:** macOS Compatibility

**In-app purchases:** none


### Here by HDFC ERGO

[App page](https://appshunter.io/ios/app/here-by-hdfc-ergo/id1670377706)

Manage all your insurance policies, vehicles, health, and pets in one place. This app offers policy management, claim tracking, vehicle maintenance reminders, health resources, and pet care services.

**Highlights:** Manage HDFC ERGO insurance policies, File and track insurance claims, Vehicle maintenance reminders, Breakdown assistance, Health expense estimator, Pet insurance options, Travel insurance management

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Kapil Chits free?

Kapil Chits is free to download, with no in-app purchases.

### Is Here by HDFC ERGO free?

Here by HDFC ERGO is free to download, with no in-app purchases.

### Which has better reviews, Kapil Chits or Here by HDFC ERGO?

Here by HDFC ERGO is rated higher. Kapil Chits averages 1.0 out of 5 from 1 ratings, while Here by HDFC ERGO averages 4.3 from 38 ratings.

### Do Kapil Chits or Here by HDFC ERGO have ads?

Neither Kapil Chits nor Here by HDFC ERGO shows ads.

### Which is updated more often, Kapil Chits or Here by HDFC ERGO?

Kapil Chits ships an update every 2 months, and Here by HDFC ERGO every 3 weeks. Most recently, Kapil Chits was updated on November 3, 2026 and Here by HDFC ERGO on November 9, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*