LIC Digital vs KMS Smart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
LIC Digital
Access comprehensive information about life insurance products and portal services. Features include product details, plan brochures, premium calculation, benefit illustrations, and an office locator.
- Product information
- Plan brochure downloads
- Premium calculator
- Benefit illustration
- Apply for policy
- Office locator
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"OFFICIAL IOS APP FROM LIFE INSURANCE CORPORATION OF INDIA" This app is developed for LIC’s esteemed customers. Now all information about LIC products & portal services are at your fingertips. Options for viewing Product information, downloading Plan brochures of LIC, Premium calculator, Benefit illustration, Apply for Policy, LIC Office Locator, etc.
KMS Smart
Discover personalized welfare schemes and income opportunities based on your profile. This AI-powered platform helps Indian citizens identify eligibility for government programs, understand potential benefits, and find relevant earning avenues. It provides step-by-step application guides and policy updates.
- AI-powered scheme eligibility assessment
- Personalized benefit score and estimates
- Step-by-step application guides
- Income and earning opportunity identification
- Browse over 670 welfare schemes
- Latest policy and budget updates
- Multi-language support (English, Hindi, Telugu, Kannada)
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DISCLAIMER: KnowMySchemes (KMS) is a private, independent platform. It is NOT an official government app and is NOT affiliated with, authorized by, or endorsed by any government entity or political party. DATA SOURCES: All scheme information is sourced from publicly available government portals, including but not limited to: MyScheme (myscheme.gov.in), India.gov.in, and various state-level department websites. Users should verify all details on official government websites before applying. KnowMySchemes — Welfare Intelligence for Citizens Discover welfare schemes personalized for YOU. KnowMySchemes uses advanced AI to help Indian citizens identify which welfare programs they may be eligible for based on their unique profile, occupation, and location. KMS SMART — AI IMPACT ANALYZER Use our AI-powered analyzer to understand potential benefits. Simply describe your profile in your own words — including occupation, location, and income — and get an instant report featuring: Potential eligibility for specific welfare schemes A personalized benefit score and estimated annual benefit amount Step-by-step guides on how to apply Income and earning opportunities relevant to your profile BROWSE 670+ SCHEMES Access a curated database of central and state welfare schemes across Agriculture, Education, Housing, Women Empowerment, Healthcare, and more. INCOME OPPORTUNITIES Proactively identify real earning opportunities based on your skills. Find export markets for farmers, skill programs for artisans, or business grants for entrepreneurs. LATEST POLICY UPDATES Stay informed with updates on welfare policy announcements and budget news relevant to your profile. LANGUAGE SUPPORT English Telugu Hindi kannada PRIVACY & SECURITY Secure OTP-based login 256-bit SSL encryption Fully compliant with the DPDP Act 2023. Your data is never sold. Website: www.knowmyschemes.com Support: support@knowmyschemes.com
Screenshots
Verdict
The clearest difference is in-app purchases: LIC Digital at none against KMS Smart's 1. LIC Digital also leads on ads (none vs shown) and ratings volume (1.6K vs 5). KMS Smart's advantage is update cadence (monthly vs every 3 months) and rating (5.0 vs 4.8). On price, device support and iOS requirement 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. KMS Smart sells 1 one-off in-app purchase. LIC Digital asks for nothing beyond the download.
KMS Smart holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: LIC Digital has 1.6K ratings behind it against 5, so its average is the more settled of the two.
LIC Digital ships an update every 3 months, KMS Smart monthly. The most recent releases landed on October 19, 2026 and October 6, 2026 respectively.
| Parameter | LIC Digital | KMS Smart |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.6K ratings) | 5.0 (5 ratings) — better |
| Positive reviews | 13.7% of reviews | — |
| Number of ratings | 1.6K — better | 5 |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 104 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Life Insurance Corporation of India | Manikanth Muthuvarapu |
Bugs and requests
LIC Digital
Reported bugs
3 issues- 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
4 requests- Improve app stability and performance
- Make the app more user-friendly and intuitive
- Enhance functionality for international users
- Provide better customer support
KMS Smart
Not enough reviews yet to summarise bugs or requests.
In-app purchases
LIC Digital
No in-app purchases
KMS Smart
- KnowMySchemes Pro$14.99
