mshiFFt vs U
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
mshiFFt
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Discover a smarter way to bank with Shivalik Mobile Banking 2.0 (mShiFFT). Revolutionise the way you manage your finances with our user-friendly mobile banking app that brings banking to your fingertips. Experience the future of banking were banking meets convenience. Manage your money on your terms, with Shivalik Mobile Banking 2.0 (mShiFFT) as your financial partner. No more waiting in lines. So, take control of your financial destiny today. Download Shivalik Mobile banking 2.0 (mShiFFT) and experience banking like never before
U
Manage your finances securely with this official mobile banking service. Access account details, transfer funds, pay bills, and open deposits anytime, anywhere. It serves as your 24/7 financial companion.
- Account balance and transaction history
- Fund transfers (IMPS, NEFT, RTGS)
- Bill payments
- Open Fixed/Recurring Deposits
- Update nominee details
- Apply for locker facility
- Loan applications
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Welcome to Utkarsh Mobile Banking App – This is the official mobile banking service from Utkarsh Small Finance Bank. Utkarsh Mobile App seamlessly combines best-in-class technology and service to bring you a meaningful banking experience. This app will give the Utkarsh account holders an option to use our services whether you're at home, work, or on the move. Utkarsh Mobile App is your financial companion and available 24/7. With Utkarsh Mobile App, you can: Manage Your Accounts: Check balances, view transaction history, and monitor account activity in real-time. Transfer Funds: Effortlessly move money between your accounts or send funds to friends and family with just a few taps using various payment options such as IMPS, NEFT, RTGS, among others Pay Bills: Simplify your life and pay your bills promptly while on-the-go Open Fixed Deposits / Recurring Deposits at your convenience Update Nominee Details Locker – You can apply for Locker facility through the mobile App. Just fill in the details and our representative will call you for further process TDS Summary – You can get your TDS Summary at any given time through Utkarsh Mobile App Apply for loans – Opt for competitive interest rates on our array of Loans And much more options await you for your Banking needs! To start the service, download Utkarsh Mobile App today and log in with your Utkarsh Small Finance Bank online banking credentials. If you're not yet enrolled in online banking, sign up directly through the app or website and begin enjoying the convenience of Utkarsh Mobile App.
Screenshots
Verdict
The clearest difference is update cadence: U at every 3 days against mshiFFt's monthly. 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
mshiFFt ships an update monthly, U every 3 days. The most recent releases landed on October 25, 2026 and October 28, 2026 respectively.
| Parameter | mshiFFt | U |
|---|---|---|
| Price | Free | Free |
| Rating | — | 1.0 (1 ratings) — better |
| Positive reviews | — | 43.5% of reviews |
| Number of ratings | — | 1 — better |
| Update frequency | Monthly | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 70 MB | 84 MB |
| Age rating | 4+ | 4+ |
| Developer | Shivalik Small Finance Bank Ltd | Utkarsh Small Finance Bank Ltd |
In-app purchases
mshiFFt
No in-app purchases
U
No in-app purchases
