# Utkarsh UPI vs PSB UnIC

The clearest difference is review sentiment: PSB UnIC at 52% against Utkarsh UPI's 17%. On price, update cadence, 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.

Utkarsh UPI ships an update every 2 months, PSB UnIC monthly. The most recent releases landed on October 8, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Utkarsh UPI | PSB UnIC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (4 ratings)](https://appshunter.io/ios/app/psb-unic/id1597657276/reviews)** |
| Number of ratings | — | **4** |
| Positive reviews | 16.7% of reviews | **51.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | Free |
| Size | 33 MB | 197 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Utkarsh Small Finance Bank Ltd](https://appshunter.io/developer/1227745018) | [PUNJAB AND SIND BANK](https://appshunter.io/developer/1475907222) |

## What reviewers say

### Utkarsh UPI

[App page](https://appshunter.io/ios/app/utkarsh-upi/id1575341725)

Facilitate instant and secure financial transactions using various methods like QR codes, Virtual Payment Addresses (VPAs), and Account + IFSC. Supports UPI Lite for faster, smaller transactions and Tap & Pay for contactless payments.

**Highlights:** Instant secure payments, QR code payments, VPA payments, Account + IFSC payments, UPI Lite support, Tap & Pay functionality

**Features:** Vision Pro support

**In-app purchases:** none


### PSB UnIC

[App page](https://appshunter.io/ios/app/psb-unic/id1597657276)

Manage your bank accounts, transfer funds, and invest in schemes. This app offers features like debit card management, cheque services, and instant payment options. Access exclusive banking services conveniently from your mobile device.

**Highlights:** Fund transfers (UPI, NEFT, RTGS, IMPS), Account details and statement generation, Invest in term deposits and social security schemes, Debit card management and application, Cheque services and positive pay, Biometric and MPIN login

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Utkarsh UPI free?

Utkarsh UPI is free to download, with no in-app purchases.

### Is PSB UnIC free?

PSB UnIC is free to download, with no in-app purchases.

### Do Utkarsh UPI or PSB UnIC have ads?

Neither Utkarsh UPI nor PSB UnIC shows ads.

### Which is updated more often, Utkarsh UPI or PSB UnIC?

Utkarsh UPI ships an update every 2 months, and PSB UnIC monthly. Most recently, Utkarsh UPI was updated on October 8, 2026 and PSB UnIC on October 20, 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.*