# IDBI Soft Token vs Ambika Devi Chit Funds

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.

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

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.

## The numbers

| Metric | IDBI Soft Token | Ambika Devi Chit Funds |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 33.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Every 2 months** |
| Monetization | Free | — |
| Size | 11 MB | 38 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [IDBI BANK LIMITED](https://appshunter.io/developer/1121610258) | [Kireeti Soft Technologies Ltd](https://appshunter.io/developer/731546425) |

## What reviewers say

### IDBI Soft Token

[App page](https://appshunter.io/ios/app/idbi-soft-token/id1588375608)

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:** macOS Compatibility

**In-app purchases:** none


### Ambika Devi Chit Funds

[App page](https://appshunter.io/ios/app/ambika-devi-chit-funds/id6755669481)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*