Utkarsh UPI vs mshiFFt
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
mshiFFt
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Discover a smarter way to bank with Shivalik Mobile Banking 2.0 (mShiFFT). Revolutionise the way you manage your finances with our user-friendly mobile banking app that brings banking to your fingertips. Experience the future of banking were banking meets convenience. Manage your money on your terms, with Shivalik Mobile Banking 2.0 (mShiFFT) as your financial partner. No more waiting in lines. So, take control of your financial destiny today. Download Shivalik Mobile banking 2.0 (mShiFFT) and experience banking like never before
Screenshots
Verdict
The clearest difference is update cadence: mshiFFt at monthly against Utkarsh UPI's every 2 months. mshiFFt also leads on iOS requirement (15.1 vs 18.0). 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.
Utkarsh UPI ships an update every 2 months, mshiFFt monthly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.
| Parameter | Utkarsh UPI | mshiFFt |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 16.7% of reviews | — |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 18.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 38 MB | 70 MB |
| Age rating | 4+ | 4+ |
| Developer | Utkarsh Small Finance Bank Ltd | Shivalik Small Finance Bank Ltd |
In-app purchases
Utkarsh UPI
No in-app purchases
mshiFFt
No in-app purchases
