# Utkarsh UPI vs mshiFFt

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.

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.

## The numbers

| Metric | Utkarsh UPI | mshiFFt |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 16.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | — |
| Size | 38 MB | 70 MB |
| Requires iOS | 18.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Utkarsh Small Finance Bank Ltd](https://appshunter.io/developer/1227745018) | [Shivalik Small Finance Bank Ltd](https://appshunter.io/developer/1325595484) |

## 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


### mshiFFt

[App page](https://appshunter.io/ios/app/mshifft/id6463722276)

**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 mshiFFt free?

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

### Do Utkarsh UPI or mshiFFt have ads?

Neither Utkarsh UPI nor mshiFFt shows ads.

### Which is updated more often, Utkarsh UPI or mshiFFt?

Utkarsh UPI ships an update every 2 months, and mshiFFt monthly. Most recently, Utkarsh UPI was updated on October 24, 2026 and mshiFFt on October 25, 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.*