Top Free Finance Apps in India

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GoodScore: Credit Score App

GoodScore: Credit Score App Build your credit score to 750+. Join over 5 Million Indians building their credit score with GoodScore. Check your credit score, get a detailed credit report and expert advice to build your credit score.

Get access to your detailed credit report and a complete account by account analysis of your credit profile from our team. This analysis will be given to you in the form of a detailed video & step-by-step plan – where we will provide important tips and suggestions to help you achieve your ideal credit score.

GoodScore’s credit score is powered by Experian and CRIF High Mark - 2 of the 4 credit bureaus authorized by RBI.

How does GoodScore work?
The information on your credit report summarizes how you manage credit, including payment history, credit accounts, outstanding balances, defaults, credit utilization, credit mix and loan enquiries – all of which are important factors that impact your credit score.

We analyze all your active and closed credit accounts for payment patterns and credit behaviour and offer personalized guidance to help you make the right decisions as you work towards achieving your desired credit score.

Benefits of using GoodScore:
Your credit health will always be in your control with GoodScore:
✅Check your credit score and credit report on the go
✅Get personalized insights through a detailed video
✅Identify areas which are affecting your credit score
✅Keep track of all your loan and credit accounts under one tab
✅Set reminders for bill payments & EMIs

When you have a good Credit score, you’ll become eligible to get loans & credit cards from India’s top banks like HDFC Bank, SBI, Bank of Baroda, PNB, ICICI Bank, Axis Bank, IDFC First Bank, IndusInd Bank, Bandhan Bank, RBL Bank, Federal Bank, etc.

Are CRIF and Experian credit scores different from CIBIL?
CRIF, Experian and CIBIL are different platforms owned by different credit information companies. However, all 3 companies are approved by the Reserve Bank of India.

The parameters chosen by CIBIL TransUnion, Experian & CRIF High Mark are majorly similar. All 3 companies have a similar mechanism to calculate the credit score.
Having a good credit history in CIBIL will have somewhat similar results with CRIF High Mark and Experian as well.

Personal loans eligibility criteria
* Age: 21- 60 years
* Annual household income: ₹3,00,000
* Should be a resident of India
* Loan Amount: ₹100 to ₹20,00,000
* Repayment Tenure: 6 Month to 84 Months

Loan against mutual fund eligibility criteria:
* Age: 18-65 years, Mutual Fund Investment: Min. ₹2000 Portfolio, *Subject to Lender Policy, Should be a resident of India
* Loan Amount: ₹1000 to ₹2,00,00,000
* Repayment Tenure: 6 Month to 72 Months

Annual Percentage Rate (APR): 9.5% to 45%

Example:
If you borrow ₹5,00,000 for 3 years at 20% p.a.
EMI: ₹18,582 | Processing Fee: ₹17,700
Total Payable: ₹6,68,945 | Total Cost: ₹1,86,645
Effective APR: 21.92%

Lending partners on GoodScore:
Earlysalary Services Private Limited

[Important Note: Goodscore DOES NOT provide any credit repair service. The information provided in the app is for educational purposes and is only a personalized guidance based on a customer's credit report]

App permissions and reasons: GoodScore uses SMS access to help users track bills and expenses from bank alerts and payment confirmations. To ensure timely and accurate updates, GoodScore uses a foreground service to securely sync SMS data when users enable expense tracking, budgeting, or bill monitoring features. SMS data is used only for core app functionality and is not shared with third parties.

Contact us
Phone number: 080-69819392
WhatsApp: +91-7619697249
Email: help@goodscore.app
Address: 57/4, Vajram Esteva, 2nd Floor, Marathahalli-Sarjapur Outer Ring Road, ORR, Devarabisanahalli, Bengaluru, Karnataka 560103 GoodScore: Credit Score App , a leading app in the Finance Apps category, boasts a robust user base with a total of 32B installs. It sees impressive engagement with 2B monthly installs and 33M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. GoodScore: Credit Score App was first released August 16, 2023, and has been continually updated, with the latest update rolled out just March 26, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.0.184. With 54164 reviews, GoodScore: Credit Score App maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Airtel App: Recharge & Bank

Airtel App: Recharge & Bank Experience the world of Airtel. Unlock Adobe Express Premium worth ₹4,000, free for all Airtel users. Create social media posts, reels, presentations, and more with premium templates, stock assets and AI tools. Claim it on the Airtel App along with easy recharges, hassle-free bill payments, call manager, data balance check and instant UPI transactions. Get amazing cashback and discount coupons on Airtel Payments Bank and Airtel Wallet transactions. Download the app to explore the new design and its many unique features.

Airtel 5G Plus

Airtel becomes the first operator to launch 5G in India. Airtel 5G Plus delivers up to 30x faster speed than 4G which allows the users to download heavy files in just a few seconds. You can now experience 4K video viewing without any buffer on your devices.

All this can be done, without changing your existing SIM. Experience the 5G Plus journey seamlessly on Airtel App.

Mobile Prepaid Recharge

Access plan details, data usage, expiry date through a single card available in real-time on the app. Never miss a due date, get prepaid recharge reminders on the App homepage.
Easily add multiple Airtel accounts and recharge online for all of them on Airtel App.

Postpaid

Enjoy a hassle-free experience, where you can browse, choose your suitable plan and make bill payments within minutes.
Access data usage, bill date through a single card available in real-time on the app.

DTH

Recharge your DTH connection on the Airtel app to get exclusive offers and cashback with every DTH online recharge. Track your connection validity, add/remove Channels, get quick help on the app.

Broadband

Get the best Wi-Fi deals with an option to upgrade your existing plan and make your monthly Wi-Fi bill payments with ease. Enjoy office-like internet with a new connection of Airtel Wi-Fi ranging from ₹499 to ₹3,999.

UPI Money Transfer

Enjoy lightning-fast safe and secure UPI money transfer on the Airtel app. Scan any QR code and make contactless online payment to any merchant.

Call Manager

Call Manager is a functionality in the Airtel app for all Airtel mobile users. With this feature, we will enable users for the first time to track all the calls and alerts in a single place - calls which went through and those which got missed due to network not being available at caller's end. User will be notified about all the calls they missed while they were out of network or the person they were calling was out of network, exclusively on the Airtel app.

Pay Utility Bills

Electricity, water, gas, Postpaid, piped gas, and others- the Airtel app is the only app you'll need to pay all your utility bills within minutes.

Airtel Payments Bank

Open a Safe Second Account with Airtel Payments Bank anytime, anywhere in minutes.
Scan & Pay on any QR, transfer money, pay utility bills or make instant mobile & DTH recharges
Safe Banking with Fraud Alarm, Manage Limits & Sleep mode
Set up Autopay for OTT, loan EMIs, insurance premiums, Load Cash & Auto Load money
Buy or Recharge NETC FASTag

Unique Features

Store up to 2GB data on Airtel Cloud for free and never delete anything you love.
Manage multiple Airtel accounts in one place
Get free OTT subscriptions such as JioHotstar, Netflix, Amazon Prime with Prepaid, Postpaid, DTH, and Wi-Fi plans

Wait no more, enter a world of convenience and benefits with the Airtel app. Download NOW! Airtel App: Recharge & Bank , a leading app in the Finance Apps category, boasts a robust user base with a total of 589B installs. It sees impressive engagement with 5B monthly installs and 118M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Airtel App: Recharge & Bank was first released August 18, 2012, and has been continually updated, with the latest update rolled out just April 03, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 4.139.3. With 2419570 reviews, Airtel App: Recharge & Bank maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Paytm: Secure UPI Payments

Paytm: Secure UPI Payments Paytm (पेटीएम) - Built for India. Trusted by 50 Crore+ Indians.
We pioneered mobile payments, QR codes, Soundbox, and in-store devices in India - and we continue to lead with innovation. In the BHIM UPI ecosystem, Paytm is the only UPI app that builds features based on real user needs. From personalised UPI IDs and privacy-first controls to widgets, bank balance visibility, and Excel UPI statements, we innovate to make digital payments smarter, safer, and more private - only on Paytm.

Paytm UPI now works internationally in UAE, Singapore, France, Mauritius, Bhutan, Sri Lanka, and Nepal - making it easy for Indian travellers to send money or pay abroad instantly.

🔐 Why Paytm?
● India’s safest, most secure UPI money transfer app
● Powered by top Indian banks
● Built-in privacy: hide/unhide payments, personalised UPI ID, QR scan without sharing number, no OTP card swipes

✨ Innovations Only on Paytm UPI
1. Hide & Unhide Payments - Only you control your transaction visibility.
2. Personalised UPI ID - Choose name@ptyes or name@ptaxis instead of revealing your number.
3. Download UPI Statements in Excel + PDF - Great for tracking, accounting, or tax filing.
4. Spend Analytics - Categorised spend insights, month-on-month tracking.
5. Total UPI Bank Balance - View balances across all linked accounts instantly (only for Paytm users).
6. Receive Money Widget - Coin sound & notification every time you receive a payment.
7. Scan & Pay Widget - Scan QR right from your home screen.
8. Smart Bank Transfer Autofill - Copy-paste account info from WhatsApp, Paytm fills it correctly.
9. Auto Top-Up for UPI Lite - Never run out of Lite balance with automated top-ups.
10. Self Transfers - Move money between your own bank accounts instantly.

💳 Payment Methods – UPI Your Way
● Paytm UPI - Send and receive money using just a mobile number. Scan any QR code, pay at shops, and more.
● Paytm UPI Lite - PIN-less payments up to ₹4,000/day. Works even when banks are down. Auto top-up and clutter-free bank statements.
● RuPay Credit Card on UPI - Link your RuPay card and pay via UPI. No OTP, no CVV. Earn rewards at shops and online.
● UPI AutoPay - Enable recurring payments for subscriptions, SIPs, rent, and more.

🧾 Recharges, Utility Bill Payments & More
● Recharge mobile (prepaid/postpaid) with Jio, Airtel, VI, MTNL, BSNL
● DTH (TataPlay, Sun Direct, Airtel Digital TV, etc.)
● Electricity, water, gas, broadband, insurance, FASTag, challans, EMIs & more

💳 Pay at Online Stores
● 100+ apps supported - food delivery, grocery, shopping & OTT

📍 Set UPI PIN
● Secure every transaction. 4 or 6-digit UPI PIN setup required.

🏠 Rent Payments Made Easy
● Pay your rent directly via UPI or using your RuPay credit card on Paytm. Earn rewards, get reminders, and download monthly payment receipts - all in one tap.

📲 Paytm Card Machines (Soundbox + Swipe)
Merchants across India now accept Paytm card machines. You can:
● Scan QR and pay
● Swipe credit/debit cards securely
All with real-time payment confirmation via iconic Paytm sound.

💰 Personal Loans on Paytm
● Loan: ₹50,000 to ₹25,00,000
● Loan Tenure: 6–60 months
● Loan Interest Rate: 10.99%–35% p.a.
● Loan Processing Fee: 0–6%

Example: ₹1,00,000 @23% for 18 months, 4.25% fee. EMI = ₹6,621. Total Payable = ₹1,19,186

Lending Partners: Hero Fincorp, Aditya Birla Finance, InCred, EarlySalary (Fibe), Poonawalla Fincorp

Check Credit Score for Free to Get Instant Cash Loan

🌍 Travel Made Easy
● Trains: IRCTC-authorised e-ticket partner - booking, PNR, cancellations, live train status
● Buses: Instant ticketing with major operators
● Flights: Compare fares, book and manage trips easily

📞 Contact Us
One97 Communications Ltd.
One Skymark, Tower-D, Plot No. H-10B, Sector-98, Noida, UP 201304

Paytm Money Ltd. is a wholly owned subsidiary of One97 Communications Ltd., registered with SEBI & PFRDA. Paytm: Secure UPI Payments , a leading app in the Finance Apps category, boasts a robust user base with a total of 709B installs. It sees impressive engagement with 5B monthly installs and 139M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Paytm: Secure UPI Payments was first released April 30, 2012, and has been continually updated, with the latest update rolled out just March 28, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 10.76.2. With 3871158 reviews, Paytm: Secure UPI Payments maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Navi: UPI, Insurance & Loans

Navi: UPI, Insurance & Loans Navi, your all-in-one financial superapp designed for diverse financial needs, offers a range of services for your convenience. From lightning-fast UPI payments to investments in mutual funds and gold, quick cash loans, reliable health insurance coverage, and effortless home loans, Navi has you covered. Download the Navi app and unlock a world of possibilities for your financial well-being.

1. Navi UPI
Simplify money transfers with Navi UPI (NPCI Approved).
Navi UPI Features
✅ Instantly transfer money to anyone, anytime
✅ Pay bills and recharge online
✅ Conveniently scan and pay at any store
✅ Seamlessly make online payments on various apps
✅ Enjoy hassle-free payments with Navi UPI Lite, no PIN required

2. Investments
Discover diverse investment opportunities with mutual funds and digital gold.
Navi Mutual Fund Features
✅ Diversify with Direct Index Funds for better growth
✅ Flexible SIP options: daily, weekly, or monthly
✅ Zero commission & one of lowest expense ratios for cost-effective investing
✅ Fastest redemption order payout in the industry
✅ Invest till 3 PM and get the same-day NAV for better returns
✅ Investment starts with just ₹100

Remember, mutual fund investments are subject to market risks; read all scheme related documents carefully.

Navi Gold Features
✅ 24K Digital Gold
✅ 99.9% purity
✅ Investment starts with just ₹50

3. Navi Health Insurance
Safeguard yourself and your family's financial future with Navi Health Insurance.
Navi Health Insurance Features
✅ Coverage up to ₹3 crore
✅ Health insurance premiums starting at just ₹350* per month
✅ Experience quality healthcare at over 12,000+ network hospitals*
✅ Cashless claim settlement within 20 minutes*
✅ Benefit from 100% coverage* of hospital bills through a paperless process

4. Loans
Access instant cash loans or book that dream home with home loans through lending offers advertised on the Navi app.

Cash Loan Features
✅ Enjoy competitive interest rates
✅ Choose from flexible loan tenures
✅ Experience a fully digital loan process with instant fund transfer to your bank account
✅ Qualify with a minimum household income of ₹3 Lakh per annum

Home Loan Features
✅ Choose from flexible interest rates
✅ Enjoy flexible loan tenure
✅ Zero Processing Fees
✅ Up to 90% LTV

Example of How a Loan works:
Loan Amount = ₹30,000
ROI = 18%
EMI = ₹2,750
Total Interest Payable = ₹2,750 x 12 months - ₹30,000 = ₹3,000
Total Amount Payable = ₹2,750 x 12 months = ₹33,000
*Note: These numbers are for representation purposes only.

6. Referral Program
Discover endless rewards with Navi's referral program! Share the Navi app with friends and family, and unlock exclusive rewards for every successful referral.

About Navi
- Navi app is developed & owned by Navi Limited (formerly known as Navi Technologies Limited), founded by Sachin Bansal and Ankit Agarwal, in December 2018.
- Cash Loans and Home Loans advertised on the Navi app are offered by various third-party lenders.
- Health Insurance is offered by Navi General Insurance Limited, registered with the IRDAI as a general insurer.
- Navi Mutual Fund, registered with the SEBI, offers multiple mutual fund schemes to investors.
- Navi UPI is NPCI approved. Navi: UPI, Insurance & Loans , a leading app in the Finance Apps category, boasts a robust user base with a total of 165B installs. It sees impressive engagement with 7B monthly installs and 76M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Navi: UPI, Insurance & Loans was first released April 30, 2020, and has been continually updated, with the latest update rolled out just April 02, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 7.2.2. With 604347 reviews, Navi: UPI, Insurance & Loans maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Bajaj Finserv: Loans, UPI & FD

Bajaj Finserv: Loans, UPI & FD The Bajaj Finserv UPI & Loan App is trusted by 50 million+ customers across India for their financial and payment needs. Using this app, you can apply online for a variety of loans including personal loan, home loan, gold loan, business loan, etc. You can shop offline from 1 million+ products on Easy EMIs, invest in Fixed deposit, get insurance & do much more. You can also easily pay electricity bills, helps with mobile recharge, DTH service & transfer money using BHIM UPI.

Instant Personal Loan App
● Get instant personal loan up to ₹55 Lakh with this loan app.
● Get quick funding with a gold loan by pledging your gold
● Doctors & Chartered Accountants can get funding via professional loan.
● Self-employed individuals can get affordable business loans with Easy EMI options.

Highlights of Personal Loan
✔️ Loan Amount: ₹40,000 to ₹55 Lakh
✔️ Repayment Tenure: 12 to 96 months
✔️ Rate of Interest: 10% to 31% p.a.
✔️ Processing Fees: Up to 3.93% (inclusive of applicable taxes) of the loan amount

Example: For an instant loan of ₹1,00,000 at an interest rate of 15% per annum for 12 months resulting in ₹8,310 interest amount (interest rate on a reducing balance method), with a processing fee of 3.93% (₹3,930) and other charges of ₹100, the total amount to be repaid after a year is approximately ₹1,12,340.
Note: This is an estimate; the actual interest rate and processing fees may vary depending on the product.

More Loans with the Same Ease
● Home Loan: Make your dream home a reality with home loan at competitive rates and flexible repayment options.
● Gold Loan: Use your gold as security to get a gold loan for any urgent needs
● Business Loan: Designed for business owners, easily meets all expenses related to growth, operations, or expansion using Business loan.
● Two Wheeler Loan: Finance your new two-wheeler with a quick and simple loan process.

Shop on Easy EMIs
● Shop from 1 million+ products at 1.5 lakh+ stores across India with Easy EMI options.
● Shop LED TV, Washing Machine, Furniture, Electronic appliances and Smartphone on Easy EMI from Bajaj Finserv UPI & Loan App.

Recharge & Bill Payments in One Place
● Pay all your utility bills such as water, LPG, electricity, etc. online using the Bajaj Finserv UPI & Loan App.
● Helps with mobile recharge, DTH & FASTag from leading providers.

Payments Simplified with BHIM UPI App
● Create your unique Bajaj Pay UPI ID, enjoy UPI offers & send/receive money, or pay bills using Bajaj UPI App & authorize your UPI payments by entering the UPI PIN.
● Add money to your Bajaj Pay Wallet & recharge mobile or make bill payments in seconds.

Invest with Ease in Fixed Deposits
● Get high ROI on fresh FDs and renewal of existing FDs.
● You can start investing in Fixed deposit online for just ₹15,000 and get a loan against it.

Mutual Funds for Everyone
● Invest in Mutual Funds with as low as ₹100 with this Top Mutual Fund App.
● You can invest in any Mutual Fund via monthly SIPs or pay a lumpsum.
● Make the most of your investment by paying 0% distributor commission.

Insurance for Every Need
● The Bajaj Finserv app offers 300+ plans for Health Insurance, Motor Insurance, Pocket Insurance, and more.
● Getting insurance is even easier with digital process.

One App for All Needs
● Fulfill your shopping and travel needs on one platform with 100+ brand partners.
● From instant loan availability to UPI convenience, recharge, and bill payments, your daily tasks become effortless.

Features
● Find all your financial transactions in one place
● Calculate your EMIs for your preferred Easy EMI tenure using the EMI Calculator
● Check your CIBIL score and get the credit health report online
● Download your loan account statements for gold loan, personal loan, etc
● Get quick assistance & timely resolution for your queries

Contact Us:
Bajaj Finserv- Off Pune-Ahmednagar Road, Viman nagar, Pune-411014 Bajaj Finserv: Loans, UPI & FD , a leading app in the Finance Apps category, boasts a robust user base with a total of 182B installs. It sees impressive engagement with 3B monthly installs and 36M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Bajaj Finserv: Loans, UPI & FD was first released September 18, 2012, and has been continually updated, with the latest update rolled out just March 25, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version P.26.0.1. With 5874812 reviews, Bajaj Finserv: Loans, UPI & FD maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Google Pay: Save and Pay

Google Pay: Save and Pay Important update:
The U.S. version of the standalone Google Pay app is no longer available for use. Please download the Google Wallet app to tap and pay with Google Pay.

Google Payment Corporation's Customer Service and Error Resolution Policy and applicable processes still apply to report unauthorized transactions related to Google Pay. If you have any further questions about your balance in the app, you can learn more about your Google Pay balance.

Still have questions? Head over to https://support.google.com/googlepay


*Payments processed by Google Payment Corp., a licensed money transmitter (NMLS ID: 911607). Licensed as a money transmitter by the NY State Dept. of Financial Services and to Transmit Money By Check, Draft or Money Order By The Department of Banking and Securities, Commonwealth of Pennsylvania. To learn more about Google Payments, visit the Google Payments Help Center.

Google Pay: Save and Pay , a leading app in the Finance Apps category, boasts a robust user base with a total of 1839B installs. It sees impressive engagement with 3B monthly installs and 589M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Google Pay: Save and Pay was first released September 17, 2017, and has been continually updated, with the latest update rolled out just March 31, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. With 2954004 reviews, Google Pay: Save and Pay maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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PhonePe UPI, Payment, Recharge

PhonePe UPI, Payment, Recharge PhonePe is a payments app that allows you to use BHIM UPI, your credit card & debit card or wallet to recharge your mobile phone, pay all your utility bills and to make instant payments at your favourite offline & online stores. You can also invest in mutual funds & buy insurance plans on PhonePe. Get Car & Bike Insurance on our app.
Link your bank account on PhonePe and transfer money with BHIM UPI instantly! The PhonePe app is safe and secure, meets all your payment, investment, mutual funds, insurance & banking needs, and is much better than Internet banking.

Things you can do on PhonePe (Phonepay) App:

Money Transfer, UPI Payment, Bank Transfer
- Money Transfer with BHIM UPI
- Manage Multiple Bank Accounts– Check Account Balance, Save Beneficiaries across multiple bank accounts like SBI, HDFC, ICICI & 140+ banks.

Make Online Payments
- Make online payment on various shopping sites like Flipkart, Amazon, Myntra etc.
- Pay for online food orders from Zomato, Swiggy etc.
- Pay for online grocery orders from Bigbasket etc.
- Pay online for travel booking from Makemytrip, Goibibo etc.

Make Offline Payments
- Scan & Pay via QR Code at local stores like kirana, food, medicines etc.

Buy/Renew Insurance Policies with PhonePe Insurance App

Health & Term Life Insurance
- Compare/Buy Health & Term life Insurance with monthly premiums
- Coverage for individuals, senior citizens & families

Car & Two Wheeler Insurance
- Browse & get India’s most popular bike & car insurance
- Buy/renew your car & bike Insurance in less than 10 minutes

Other Insurance
- PA Insurance: Insure yourself against accidents & disablement
- Travel Insurance: Get international travel insurance for business & leisure trips
- Shop Insurance: Insure your shop against fire, theft, natural calamities and burglaries.

PhonePe Lending

Get pre-approved personal loans ready to be disbursed into your bank account through seamless & digital loan onboarding journey.

Repayment Period: 6 - 36 Months
Maximum APR: 30.39%

Example:
Loan Amount: ₹1,00,000
Tenure: 12 months
Rate of Interest: 24.49% per annum
Processing Fee: ₹2,500 (2.5%)
GST on Processing Fee: ₹450
Total Interest: ₹13,756.27
EMI: ₹9,479.69
Maximum APR: 30.39%
Amount Disbursed: ₹97,050
Total Repayment Amount: ₹1,13,756.27

We offer loans from some of India's biggest lenders - Aditya Birla, Piramal, IDFC First, L&T Finance, and Credit Saison India.

Mutual Funds & Investments App
- Liquid Funds: Get higher returns than savings bank
- Tax-Saving Funds: save up to ₹46,800 in tax & grow your investment
- Super Funds: Achieve financial goals with expert help on our app
- Equity Funds: High growth products curated as per risk appetite
- Debt Funds: Get stable returns for investments without any lock-in period
- Hybrid Funds: Get a balance of growth & stability
- Buy or Sell 24K Pure Gold: Assured 24K purity, build gold savings on our app

Recharge Mobile, DTH
- Recharge Prepaid Mobile Numbers like Jio, Vodafone, Airtel etc.
- Recharge DTH like Tata Sky, Airtel Direct, Sun Direct, Videocon etc.

Bill Payment
- Pay Credit Card Bills
- Pay Landline Bills
- Pay Electricity Bills
- Pay Water Bills
- Pay Gas Bills
- Pay Broadband Bills

Buy PhonePe Gift Cards
- Buy a PhonePe Gift Card for easy payments across 1 lakh+ leading offline & online outlets and across the PhonePe app.

Manage your refunds
- Manage & track refunds from your favorite shopping websites on PhonePe.
For more details, Visit www.phonepe.com

Permissions for App and reasons
SMS: to verify Phone number for registration
Location: a requirement by NPCI for UPI transactions
Contacts: for phone numbers to send money to and numbers to recharge
Camera: to scan QR code
Storage: to store scanned QR code
Accounts: to pre-populate email ID while signing up
Call: to detect single vs dual sim & let user choose
Microphone: to carry out KYC video verification PhonePe UPI, Payment, Recharge , a leading app in the Finance Apps category, boasts a robust user base with a total of 925B installs. It sees impressive engagement with 9B monthly installs and 264M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. PhonePe UPI, Payment, Recharge was first released August 29, 2016, and has been continually updated, with the latest update rolled out just March 30, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 26.02.27.0. With 3851288 reviews, PhonePe UPI, Payment, Recharge maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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BHIM Bharat's Own Payments App

BHIM Bharat's Own Payments App BHIM (Bharat Interface for Money) is Bharat Ka Apna Payments App—a UPI payment app developed by the National Payments Corporation of India (NPCI). Designed for every Indian, BHIM Payments App makes digital transactions easier, safer, and faster with an intuitive interface and cutting-edge features.
With BHIM Payments App, experience seamless and rewarding payments while enjoying the highest level of security. Built for trust and simplicity, with 12+ Languages, BHIM App ensures that digital payments are accessible to all.
🚀 Why Choose BHIM Payments App?
• A Brand-New Experience – A refreshed; intuitive UI designed for effortless navigation.
• Family Mode – Manage payments for your family in a click!
• Spend Insights – Now easily manage and monitor your expenses, the dashboard way!
• UPI Lite for Small Payments – Make instant, PIN-less payments of upto ₹500.
• RuPay Credit Card on UPI – Use your RuPay Credit Card for secure UPI payments.
• Credit Card on EMI – Shop smarter with easy EMI options on UPI payments.
• UPI Circle – Give freedom to your trusted ones, to make payments even without a bank account.
• Pay Bills Seamlessly – Settle electricity, credit card, gas, recharge FASTag and other utility bills effortlessly.
• Light Mode & Dark Mode – Switch to your preferred theme for a comfortable viewing experience.
• Split Expenses Like a Pro! – Going out with friends? BHIM does the math—split bills seamlessly, and everyone pays their share instantly!
Get Started in Minutes!
Download BHIM & Register using your mobile number
Ensure your SIM is linked to your bank account (for dual SIM, select the correct one).
Have your Debit Card or Aadhaar Card handy to generate your UPI PIN (except for UPI Circle users, who only need a valid SIM).
Visit BHIM UPI Partners to check if your bank is live on BHIM. For more details, visit BHIM Official Website and read the Terms & Conditions before signing up. BHIM Bharat's Own Payments App , a leading app in the Finance Apps category, boasts a robust user base with a total of 144B installs. It sees impressive engagement with 2B monthly installs and 42M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. BHIM Bharat's Own Payments App was first released December 29, 2016, and has been continually updated, with the latest update rolled out just March 28, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 4.0.17.1. With 421852 reviews, BHIM Bharat's Own Payments App maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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super.money - UPI by Flipkart

super.money - UPI by Flipkart super.money: Your go-to App for Credit Cards, UPI, Fixed Deposits, and more.
Basically, you name it, we’ve made it super.

So, what can you do with super.money?

💸 Pay with superUPI - the most rewarding UPI App out there!
Earn up to 5% cashback on your online payments.
Shop on Flipkart, Myntra, Amazon, Swiggy, Zomato, BlinkIt, Cleartrip, MakeMyTrip, BookMyShow, Ola, Uber, Rapido, and more—all while getting real cashback!

💳 Get superCard - the credit card on UPI that’s made for everyone!
Issued in partnership with Utkarsh Small Finance Bank, this card is all about no judgment—only rewards.
→ Boost your credit score while enjoying exclusive benefits.
→ Available for everyone, starting at just ₹100.
Yes. Everyone gets it!

💰 Invest with superFD - the coolest Fixed Deposit out there!
Here’s what you get:
→ Up to 9.5% interest rate
→ Instant FDs with trusted banks backed by RBI
→ Insured up to 5 Lakhs by DICGC
→ Withdraw anytime after 7 days, if it’s not your thing

✅ Access superCash - Instant pre-approved loans!
→ Pre-approved loans from multiple lending partners
→ Low-interest rates starting at 10.49%

Why choose super.money?
→ Approved by NPCI & RBI for top-notch reliability
→ Partnered with trusted banks like Utkarsh Bank, Axis Bank, and IndusInd Bank
→ Powered by Flipkart for the ultimate e-commerce experience

✨ Ready to get rewarded for everything you do?

➡️ Download super.money now and unlock the SUPER experience! super.money - UPI by Flipkart , a leading app in the Finance Apps category, boasts a robust user base with a total of 42B installs. It sees impressive engagement with 2B monthly installs and 65M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. super.money - UPI by Flipkart was first released June 23, 2024, and has been continually updated, with the latest update rolled out just March 16, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 3.2.0. With 133204 reviews, super.money - UPI by Flipkart maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Jar:Save Money in Digital Gold

Jar:Save Money in Digital Gold We at Jar think “Everyone can Buy Digital Gold”, No matter how small the amount is. Saving Money is crucial to a financially secure future. Start your Daily Savings Journey in just 45 Seconds with India's Digital Gullak Jar App. Start your Investment in 24K Digital Gold and Grow your Money. You can start Investing in Digital Gold from ₹10 on the 100% Secure Savings and investment Platform.

We’ve helped millions of Indians Start their Daily Savings journey seamlessly and Grow their Investment at the same time. Now, It’s your turn to start investing in Digital Gold through the Jar App(India's Digital Gullak) with just your spare changes.

Now you can buy Gold by checking the Latest Gold Price Today

Jar gives you real-time updates on Gold rates with our 'Gold price tool'. The chart is automatically refreshed and the price is updated every minute. Easily check the Gold price today along with its purity. You can specifically check for a 1-gram Gold rate and 24KT Gold price today as well. Check the Gold Price and Start Saving Now.

Services Available on Jar App -
Digital Gold Savings: You can Save Money automatically in Digital Gold on a Daily, Weekly and Monthly basis. With the Round Off feature, you can Save your Spare Changes every time you purchase something.
Loans: Get an Instant Personal Loan up to 5 Lakh with Jar App with an APR of 18.89% for 3 to 60 Months.
Insurance: Light up your life with Health Insurance, which only takes ₹20/day to give you ₹10 Lakh worth of health benefits and 7000+ Hospitals with Free Doctor visits up to ₹5000.
Jewellery Purchase: Buy Stylish Daily Wear Gold Jewellery from VIBA by Jar, available in 5000+ Unique Designs.


UPI Make UPI transactions with ease — your all-in-one app for smart spending and saving. Instantly send or receive money and scan any QR code to pay securely.

Digital Gold Purchase Charges:
The government charges 3% GST on Digital Gold purchase transactions.
Buy-Sell Spread for Digital Gold is 2% - 3%. For more details: https://www.safegold.com/faq

Digital Gold Partner: Digital Gold India Private Ltd (https://www.safegold.com)

A representative example of Rs 100 Gold Purchase Transaction -
Sample Gold Purchase Rate (per gram) = ₹ 6000
Value of gold to be bought = ₹ 97.09
Government GST Charges (3%) = ₹ 2.91
Amount to be paid = ₹ 100
Gold quantity to be bought (in grams) = (97.09 / 6000) = 0.0162 g

Partner Registered NBFCs:
Kisetsu Saison Finance (India) Private Limited: https://creditsaison.in/partnercontact

Terms and Conditions: https://www.myjar.app/terms-and-conditions
Privacy Policy: https://www.myjar.app/privacy-policy

Personal Loan T&C (Available for selected users)
• Minimum & maximum period for repayment - 3 to 60 months
• Maximum Annual Percentage Rate (APR): 30%

For a loan taken, the below charges are applicable:
Annual Percentage Rate (APR): 30%
Processing Fees (PF) : 1.5%- 3% (GST applicable)

A representative example of total cost of loan, including principal & all applicable fees:
(Applicable for all above lenders)
Loan Amount/Principal: ₹50000
Tenure: 12 months
Rate of Interest: 15% per annum
Processing Fee: ₹1000 (2% inclusive GST)
Total Interest: ₹4156
Equated Monthly Instalments (EMI): ₹4513
Annual Percentage Rate (APR): 18.89%
Amount Disbursed: ₹49000
Total Repayment Amount: ₹54156

In Case of query, please contact us -
Official Website: https://www.myjar.app/
Office Address: No. 752, Vasantham Building, 18th Main, 5th Cross Rd, 6th Block, Koramangala, Bengaluru, Karnataka 560095
WhatsApp Support: wa.me/916366693874
Email: info@changejar.in
Jar:Save Money in Digital Gold , a leading app in the Finance Apps category, boasts a robust user base with a total of 47B installs. It sees impressive engagement with 2B monthly installs and 26M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Jar:Save Money in Digital Gold was first released April 21, 2021, and has been continually updated, with the latest update rolled out just March 31, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 8.6.2. With 157779 reviews, Jar:Save Money in Digital Gold maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.