Utkarsh UPI vs Saafe
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Utkarsh UPI
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.
- Instant secure payments
- QR code payments
- VPA payments
- Account + IFSC payments
- UPI Lite support
- Tap & Pay functionality
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Make instant and secure payments through QR, VPA, Account + IFSC,UPI Lite, Lite Autoplay, Lite Transfer Out, Tap & Pay using Utkarsh UPI
Saafe
Securely access and share your financial data between regulated institutions. This app provides granular control over your information, replacing broad consent with step-by-step permissions for each data use.
- Secure financial data access
- Digital information sharing
- Granular permission control
- Consent-based data sharing
- RBI regulated entity
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Account Aggregator (AA) is a type of RBI regulated entity (with an NBFC-AA license) that helps an individual securely and digitally access and share information from one financial institution they have an account with to any other regulated financial institution in the AA network. Data cannot be shared without the consent of the individual. Account Aggregator replaces the long terms and conditions form of ‘blank cheque’ acceptance with a granular, step by step permission and control for each use of your data.
Screenshots
Verdict
The clearest difference is update cadence: Saafe at every 3 weeks against Utkarsh UPI's every 2 months. Saafe also leads on device support (3 vs 1) and iOS requirement (15.6 vs 18.0). On price, ads, in-app purchases and monetization model 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.
Utkarsh UPI ships an update every 2 months, Saafe every 3 weeks. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.
| Parameter | Utkarsh UPI | Saafe |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | 16.7% of reviews | — |
| Number of ratings | — | 1 — better |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 18.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 38 MB | 43 MB |
| Age rating | 4+ | 4+ |
| Developer | Utkarsh Small Finance Bank Ltd | Dashboard Account Aggregation Services Private Limited |
Customer experience
Utkarsh UPI
Saafe
In-app purchases
Utkarsh UPI
No in-app purchases
Saafe
No in-app purchases
