Comparison

PSB UnIC vs MySGI

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

Head to head
About

PSB UnIC

Manage your bank accounts, transfer funds, and invest in schemes. This app offers features like debit card management, cheque services, and instant payment options. Access exclusive banking services conveniently from your mobile device.

Highlights
  • Fund transfers (UPI, NEFT, RTGS, IMPS)
  • Account details and statement generation
  • Invest in term deposits and social security schemes
  • Debit card management and application
  • Cheque services and positive pay
  • Biometric and MPIN login
Features
Read full description

PSB UnIC mobile banking app is a one stop solution allowing you to send money, view account details, generate statement, invest in term deposits, manage debit card, cheque services and many other exclusive services at your fingertips. PSB UnIC App allows transferring funds within and outside bank account using UPI, NEFT, RTGS, IMPS. Below are some features of PSB UnIC App: • Single login for web and mobile app. Login using biometric OR MPIN option can be used for Psb UnIC App. • Instant self-accounts and within Bank transfer. • Instant Payment upto 10,000/- via UPI & IMPS without adding Payee. • Hassle free fund transfer from PSB to other bank accounts using various transfer modes such as: NEFT, IMPS, RTGS & UPI. • Pay EMI, Pay Advance EMI or Pay loan overdue amount instantly. • Invest in Social Security schemes – Atal Pension Yojana (APY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jiwan Jyoti Bima Yojana (PMJJBY). • Investing in Bank Deposits is easier than ever. Open and close an online Fixed Deposit or online Recurring Deposit instantly. • Debit card management- Manage your debit card limits and control the usage online. • Apply for a new card, Hotlist a card or upgrade your card online. • Request for a new Cheque book instantly. • Pre-Intimate the issuance of cheques using Positive Pay. • Stop a cheque, enquire inward and outward cheque status • Generate bank statement, TDS certificate, Balance certificate instantly. • Pay and collect money from anyone instantly using Unified Payment Interface (UPI Payments). UPI ID is your virtual identity for UPI payments. We assure to add more and more features in the PSB UnIC. Web version of PSB UnIC can be accessed through our official website: www.punjabandsindbank.co.in For any feedback, queries or issues pertaining to PSB UnIC application please write to omni_support@psb.co.in

About

MySGI

Manage your insurance policies with ease, accessing details, documents, and renewal reminders. The app simplifies the claims process, allowing you to lodge and track claims seamlessly with 24/7 support available.

Highlights
  • Policy details access
  • Coverage information
  • Document access
  • Renewal reminders
  • Claims lodging
  • Claims tracking
  • 24/7 support
Features
Read full description

Effortlessly handle your policies with our intuitive interface. Access policy details, coverage information, and important documents with just a few taps. Stay on top of renewals with timely reminders, ensuring uninterrupted protection for your assets. In times of unexpected events, our app simplifies the claims process. Lodge and track claims seamlessly, receiving prompt assistance when you need it the most. Our dedicated support team is available 24/7, ensuring you have the guidance and expertise you require.

Screenshots

PSB UnIC4 screens
MySGI4 screens

Verdict

The call

The clearest difference is review sentiment: PSB UnIC at 52% against MySGI's 0%. MySGI's advantage is device support (3 vs 1) and iOS requirement (15.6 vs 17.0). On price, update cadence, ads and in-app purchases 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

PSB UnIC ships an update monthly, MySGI every 2 months. The most recent releases landed on September 25, 2026 and September 13, 2026 respectively.

Scorecard3 real differences · 7 level
PSB UnIC versus MySGI: the parameters behind the verdict, then further details
ParameterPSB UnICMySGI
PriceFreeFree
Rating4.8 (4 ratings) — better—
Positive reviews51.7% of reviews — better0.0% of reviews
Number of ratings4 — better—
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.015.6 — better
Further details — not scored
Size196 MB78 MB
Age rating4+4+
DeveloperPUNJAB AND SIND BANKShriram General Insurance Company Limited

Customer experience

PSB UnIC

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews29 reviews
Positive51.7%
Neutral3.4%
Negative44.8%

MySGI

Written reviews3 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

PSB UnIC

No in-app purchases

None

MySGI

No in-app purchases

Questions

Is PSB UnIC free?
PSB UnIC is free to download, with no in-app purchases.
Is MySGI free?
MySGI is free to download, with no in-app purchases.
Do PSB UnIC or MySGI have ads?
Neither PSB UnIC nor MySGI shows ads.
Which is updated more often, PSB UnIC or MySGI?
PSB UnIC ships an update monthly, and MySGI every 2 months. Most recently, PSB UnIC was updated on September 25, 2026 and MySGI on September 13, 2026.

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