eLendly vs SmartGains
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
eLendly
Manage your financial life by automating subscriptions, lending and borrowing with friends, and tracking your overall finances. This app provides a centralized platform for personal financial management.
- Automate subscriptions
- Lend and borrow with friends
- Track finances
- Investment tracking
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Automate your subscriptions, Lend/Borrow from a friend and track your finances
SmartGains
Manage your complete financial portfolio, including mutual funds, stocks, bonds, and insurance. Track investments, view historical performance, and generate detailed reports. Invest online and utilize various financial calculators.
- Complete portfolio reporting
- Historical performance tracking
- Transaction statement generation
- Online investment in mutual funds
- SIP and STP tracking
- Insurance premium reminders
- Financial calculators
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SmartGains is one-stop shopping for all your Financial needs.You can use this state of the art app to stay on top of your Complete Financial Portfolio with all assets: Mutual Funds Equity Shares Bonds Fixed Deposits PMS Insurance Key Features: Complete Portfolio report download including all assets. View historical Performance of your Portfolio easily Transaction statement of any period 1 Click Statement of Account Download for any Asset Management Company in India Advanced Capital Gain Reports Invest Online in any Mutual fund scheme or New Fund Offer. Track all orders till the allotment of units to keep complete transparency SIP Report to be informed of your Running and Upcoming SIPs, STPs. Insurance list to keep track of premiums to be paid. Folio details registered with each AMC. Calculators and Tools available: Retirement Calculator SIP Calculator SIP Delay Calculator SIP Step up Calculator Marriage Calculator EMI Calculator
Screenshots
Verdict
The clearest difference is rating: SmartGains at 4.0 against eLendly's 2.2. eLendly's advantage is ratings volume (49 vs 3) and iOS requirement (12.0 vs 16.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SmartGains holds the better App Store score, 4.0 against 2.2. That said, the two scores are not equally well evidenced: eLendly has 49 ratings behind it against 3, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on September 16, 2026 and September 1, 2026 respectively.
| Parameter | eLendly | SmartGains |
|---|---|---|
| Price | Free | Free |
| Rating | 2.2 (49 ratings) | 4.0 (3 ratings) — better |
| Positive reviews | 6.7% of reviews | — |
| Number of ratings | 49 — better | 3 |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 12.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 70 MB | 86 MB |
| Age rating | 4+ | 4+ |
| Developer | Elendly Limited | SMARTGAINS VENTURES |
Customer experience
eLendly
SmartGains
In-app purchases
eLendly
No in-app purchases
SmartGains
No in-app purchases
