# SBI Authenticator vs Bhavitta

The clearest difference is rating: Bhavitta at 4.3 against SBI Authenticator's 1.2. Bhavitta also leads on update cadence (weekly vs every 2 months). SBI Authenticator's advantage is in-app purchases (none vs 3) and ratings volume (24 vs 3). On price, ads, monetization model and device support there is nothing between them.

Both are free to download. Bhavitta sells 3 one-off in-app purchases. SBI Authenticator asks for nothing beyond the download.

Bhavitta holds the better App Store score, 4.3 against 1.2. That said, the two scores are not equally well evidenced: SBI Authenticator has 24 ratings behind it against 3, so its average is the more settled of the two.

SBI Authenticator ships an update every 2 months, Bhavitta weekly. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | SBI Authenticator | Bhavitta |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.2 (24 ratings)](https://appshunter.io/ios/app/sbi-authenticator/id6753866762/reviews) | **[4.3 (3 ratings)](https://appshunter.io/ios/app/bhavitta-fire-planner/id6781692447/reviews)** |
| Number of ratings | **24** | 3 |
| Positive reviews | 21.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Free | Free |
| Size | 72 MB | 23 MB |
| Requires iOS | **17.0** | 18.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [State Bank of India](https://appshunter.io/developer/503784436) | [Balaji Gururajan](https://appshunter.io/developer/6781692450) |

## What reviewers say

### SBI Authenticator

[App page](https://appshunter.io/ios/app/sbi-authenticator/id6753866762)

This app provides a secure and convenient way to authenticate digital banking transactions, reducing reliance on SMS OTPs. It offers multiple authentication methods like prompt-based approvals and QR code scanning for enhanced security.

**Highlights:** Secure authentication, Reduces SMS OTP dependency, Prompt-based approvals, QR code scanning, App-based OTP, Supports SBI Yono Lite, RINB, MINB

**In-app purchases:** none


### Bhavitta

[App page](https://appshunter.io/ios/app/bhavitta-fire-planner/id6781692447)

Plan your financial future across borders with a private, offline simulator. Map life stages, simulate market history or Monte Carlo trials, and stress-test your plan for wealth building and early retirement.

**Highlights:** Build life-stage timelines, Simulate market history, Run Monte Carlo trials, Stress-test financial plans, Compare multiple scenarios, View yearly amortization ledgers, Display in 20 currencies, Export plans to Markdown

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Small tip | $1.99 | one-time |
| Medium tip | $4.99 | one-time |
| Large tip | $9.99 | one-time |


## Frequently asked questions

### Is SBI Authenticator free?

SBI Authenticator is free to download, with no in-app purchases.

### Is Bhavitta free?

Bhavitta is free to download, with in-app purchases available.

### Which has better reviews, SBI Authenticator or Bhavitta?

Bhavitta is rated higher. SBI Authenticator averages 1.2 out of 5 from 24 ratings, while Bhavitta averages 4.3 from 3 ratings.

### Do SBI Authenticator or Bhavitta have ads?

Neither SBI Authenticator nor Bhavitta shows ads.

### Which is updated more often, SBI Authenticator or Bhavitta?

SBI Authenticator ships an update every 2 months, and Bhavitta weekly. Most recently, SBI Authenticator was updated on October 24, 2026 and Bhavitta on October 28, 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.*