Comparison

IDBI Soft Token vs Ambika Devi Chit Funds

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

IDBI Soft Token

Generate One-Time Passwords (OTPs) offline for secure authentication with your bank's net banking. This app eliminates the need for SMS OTPs, offering a convenient and reliable alternative for authorizing transactions without mobile network coverage.

Highlights
  • Offline OTP generation
  • Alternative to SMS OTP
  • Secure transaction authentication
  • No mobile network required
  • Convenient OTP access
  • Registration via net banking
Features
Read full description

OTP generated through this application is an alternative to SMS OTP, for authenticating transactions/requests in IDBI Net Banking. It enables you to generate OTP from mobile based application in lieu of SMS OTP sent by Bank on registered mobile number. This option eliminates the need to have mobile coverage, non-receipt or delayed delivery of SMS OTP. It is a convenient way of generating OTP instead of waiting for the SMS OTP. In order to use the facility, you need to complete the registration process. You need to login to internet banking and request for soft token registration. The registration option is available in the My Profile section under “Security” tab named as “Soft Token Registration”. Upon submitting the registration request, you will receive activation code through SMS. If activation code is not received, you can also regenerate using “Soft Token Activation Code Regeneration” option in net banking . Once you receive the activation code, you can complete the activation process of this application on your mobile by providing details such as customer ID and internet banking login id. Upon submission and verification of user details, activation to IDBI Soft Token will be completed. Now you can start using soft token based OTP for authorizing financial transactions/ requests. Benefits: · The OTP generated is offline. Hence there is no need to be on mobile network. · No need to wait for OTP sent over SMS. Important Instructions: · You need to register for availing this service. Kindly initiate registration process from net banking. · You will need activation code, Customer ID and login details to enable net banking channel. · Select SIM having registered mobile number for activation process. · Every time you need to provide Pass code to generate Soft Token Based OTP from APP. · In case you forget the pass code, Please re-initiate the activation process.

About

Ambika Devi Chit Funds

Features
Read full description

Customers can able to login and view their account copy, outstanding details in few steps to get username and password please contact Ambika Devi Chit Funds Pvt Ltd.

Screenshots

IDBI Soft Token4 screens
Ambika Devi Chit Funds4 screens

Verdict

The call

The clearest difference is update cadence: Ambika Devi Chit Funds at every 2 months against IDBI Soft Token's every 7 months. IDBI Soft Token's advantage is iOS requirement (12.0 vs 15.1). 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

IDBI Soft Token ships an update every 7 months, Ambika Devi Chit Funds every 2 months. The most recent releases landed on October 16, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 6 level
IDBI Soft Token versus Ambika Devi Chit Funds: the parameters behind the verdict, then further details
ParameterIDBI Soft TokenAmbika Devi Chit Funds
PriceFreeFree
Positive reviews33.3% of reviews—
Update frequencyEvery 7 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better15.1
Further details — not scored
Size11 MB38 MB
Age rating4+4+
DeveloperIDBI BANK LIMITEDKireeti Soft Technologies Ltd

In-app purchases

None

IDBI Soft Token

No in-app purchases

None

Ambika Devi Chit Funds

No in-app purchases

Questions

Is IDBI Soft Token free?
IDBI Soft Token is free to download, with no in-app purchases.
Is Ambika Devi Chit Funds free?
Ambika Devi Chit Funds is free to download, with no in-app purchases.
Do IDBI Soft Token or Ambika Devi Chit Funds have ads?
Neither IDBI Soft Token nor Ambika Devi Chit Funds shows ads.
Which is updated more often, IDBI Soft Token or Ambika Devi Chit Funds?
IDBI Soft Token ships an update every 7 months, and Ambika Devi Chit Funds every 2 months. Most recently, IDBI Soft Token was updated on October 16, 2026 and Ambika Devi Chit Funds on October 28, 2026.

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