# KARMITRA PMC vs LIC Digital

The clearest difference is rating: LIC Digital at 4.8 against KARMITRA PMC's 3.3. LIC Digital also leads on ratings volume (1.6K vs 21). KARMITRA PMC's advantage is review sentiment (44% vs 13%) and iOS requirement (12.0 vs 15.6). On price, update cadence, ads and in-app purchases there is nothing between them.

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

LIC Digital holds the better App Store score, 4.8 against 3.3. That said, the two scores are not equally well evidenced: LIC Digital has 1.6K ratings behind it against 21, so its average is the more settled of the two. Written reviews complicate that: 44% of KARMITRA PMC's written reviews are positive against 13% of LIC Digital's, so the app with the better star average is not the one people write more warmly about.

KARMITRA PMC ships an update every 6 weeks, LIC Digital every 3 months. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | KARMITRA PMC | LIC Digital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (21 ratings)](https://appshunter.io/ios/app/karmitra-pmc/id1620409087/reviews) | **[4.8 (1.6K ratings)](https://appshunter.io/ios/app/lic-digital-nri/id6605939581/reviews)** |
| Number of ratings | 21 | **1.6K** |
| Positive reviews | **44.4% of reviews** | 13.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 108 MB | 105 MB |
| Requires iOS | **12.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Sthapatya consultants PRIVATE LIMITED](https://appshunter.io/developer/1620409089) | [Life Insurance Corporation of India](https://appshunter.io/developer/1265071093) |

## What reviewers say

### KARMITRA PMC

[App page](https://appshunter.io/ios/app/karmitra-pmc/id1620409087)

This app provides a convenient way to manage municipal services, including paying property and water taxes. Users can access past bills, download important documents, and recover login credentials using their mobile devices.

**Highlights:** Property tax payment, Water bill payment, View past bills, Download tax receipts, Password recovery, Emergency contacts

**Features:** macOS Compatibility

**In-app purchases:** none


### LIC Digital

[App page](https://appshunter.io/ios/app/lic-digital-nri/id6605939581)

Access comprehensive information about life insurance products and portal services. Features include product details, plan brochures, premium calculation, benefit illustrations, and an office locator.

**Highlights:** Product information, Plan brochure downloads, Premium calculator, Benefit illustration, Apply for policy, Office locator

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- ⭐ Easy access to policy information

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔍 Difficult to navigate and use
- 🌐 Doesn't work well outside India
- ⏱️ Slow and unresponsive app
- 🤖 Poor customer service

**Reported bugs**

- App redirects to App Store to install NRI version when already installed
- Date input field not working properly
- Inability to proceed with online claims and payments

**Requested features**

- Improve app stability and performance
- Make the app more user-friendly and intuitive
- Enhance functionality for international users
- Provide better customer support


## Frequently asked questions

### Is KARMITRA PMC free?

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

### Is LIC Digital free?

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

### Which has better reviews, KARMITRA PMC or LIC Digital?

LIC Digital is rated higher. KARMITRA PMC averages 3.3 out of 5 from 21 ratings, while LIC Digital averages 4.8 from 1.6K ratings.

### Do KARMITRA PMC or LIC Digital have ads?

Neither KARMITRA PMC nor LIC Digital shows ads.

### Which is updated more often, KARMITRA PMC or LIC Digital?

KARMITRA PMC ships an update every 6 weeks, and LIC Digital every 3 months. Most recently, KARMITRA PMC was updated on November 3, 2026 and LIC Digital on November 4, 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.*