Best mobile banking apps in India: ICICI iMobile, Kotak 811, HDFC Mobile Banking App, Axis Mobile, SBI Yono Lite

Read about the top 5 mobile banking apps available in India, along with their important features.

Top 5 mobile banking apps in India

There has been massive progress in technology in this digital era. The use of mobile banking applications has also become common these days. Many people in India are no longer comfortable following the traditional banking process, especially the younger generation, including millennials. 

For such tech-savvy folks, a mobile banking app promises flexibility, speed, and ease of doing online transactions. In this article, we have listed the top 5 mobile banking apps available in India, along with their important features.

Also Read: Best Credit Card Management Apps

1. ICICI Bank iMobile Application

iMobile is ICICI Bank’s official banking application. You can enjoy numerous services on your phone through one of the best banking apps available. You can pay and collect money instantly from UPI. You can use your UPI PIN to perform all UPI transactions through this iMobile app. View and transact from all your accounts, including cards, insurance, PPF, loans, and deposit accounts. 

This mobile banking app from the ICICI bank offers over 250 services. You can download the app to enjoy complete control over your bank account through your mobile. Book tickets, pay your bills, transfer funds, start a deposit, pay for recharges and do a lot more securely. 


  • One of the most trusted banking platforms
  • Service at your convenience 
  • Locate ATMs, check the status of your cheque, track your service requests, and more 
  • Open an FD and receive personalised offers on your mobile 
  • Leverage all services 24x7 
  • Simple and intuitive interface 
  • Rating on Google Play Store: 4.4
  • App downloads: 10M+

2. Kotak 811 & Mobile Banking 

Experience the convenience of digital banking with one of the best banking apps in India. Use it for mobile recharges, UPI payment, fund transfer, bill payments, flight and train bookings, shopping, availing personal loans, and more. Open your digital savings account with a few taps on your smartphone. 

Use the app to check the balance of your current and savings accounts, past transactions, open term deposits, open recurring deposits, and more on the go. Make payments and carry out fund transfers, pay bills, recharge your mobile, DTH, FASTag, and more using this app. Purchase mutual funds, keep track of your investments, generate transaction reports and update your risk profile. Access KayMall to book international and domestic flight tickets, cancel your flight bookings, make or cancel hotel reservations, shop on Flipkart, subscribe to magazines, book train tickets, and much more with this app.   

The app also allows you to place a service request for your debit card, credit card, regenerate PIN, make cheque requests, Demat requests, activate your passbook, update Aadhaar, PAN, and more. You can also access the app for keeping a tab on your Demat account and loan details.


  • Access to in-app virtual Kotak 811 debit card 
  • Enjoy free fund transfers online
  • Start a zero balance account 
  • Do instant fund transfers 
  • Apply for a personal loan and track investments
  • Rating on Google Play Store: 4.4
  • App downloads: 10M+

Also Read: The Best Apps To Help You Track And Save Money

3. HDFC Bank Mobile Banking 

Avail of banking services conveniently through this safe and secure mobile banking app. The app is equipped with sophisticated security technologies and encryption. You can transfer money in an instant, manage your Demat portfolio, open a Fixed Deposit, and block lost cards with ease. You can unlock safely with Face ID, which is a highly convenient way to log in while ensuring high security as only you can unlock. 

The EVA ChatBot support allows you to make banking queries in no time. The app permits over 120+ banking transactions. You can pay your bills, clear your credit card dues, recharge your DTH, transfer money instantly, make UPI payments, and more using this mobile banking app. 


  • Instant set-up option, no activation process required
  • Easy and secure access 
  • Banking simplified with one consolidated dashboard
  • Quick money transfers via UPI/IMPS/NEFT and other payment methods
  • Track your investments and manage cards from one place
  • Smart account opening available
  • Rating on Google Play Store: 4.4
  • App downloads: 10M+ 

4. SBI YONO Lite 

This is undoubtedly one of the 5 best mobile banking apps in India. It is meant for smartphone customers of SBI and supports all the major languages spoken in the country. You can use your retail internet banking credentials for logging into your account. This is a convenient, safe, and feature-rich way to do your banking. 

You can carry out fund transfers within SBI and other banks through the app. Pay bills, recharge your mobile, block your debit/credit card, request cheque book, and make instant term deposits, including recurring deposits, fixed deposits, and multi-option deposits through the mobile app.


  • Voice-assisted transactions for balance inquiry, mobile recharge, mini statement, DTH recharge, viewing/paying bills, and quick transfers
  • Receive detailed account information and mini statement in an instant
  • Quick fund transfers
  • Manage debit cards, chequebook requests, online nomination, TDS inquiry
  • Registration for new users, online locker inquiry, debit card blocking, and more 
  • Rating on Google Play Store: 4.2
  • App downloads: 50M+

5. Axis Mobile 

The Axis Mobile app offers a host of services across multiple device platforms. It is a safe and secure banking application from Axis Bank and offers myriad features. The app offers a convenient way to access your Axis Bank account, pay bills, transfer funds, and link other bank accounts using UPI. 

You can view a mini statement of the last 10 transactions, check your account balance as well as detailed account statement through the app. You can schedule your credit card bill payments, view outstanding balances, unbilled transactions, pay credit card bills instantly, and more. Axis Mobile users can link any bank account on the UPI option to send money, request money, raise UPI queries, view UPI transaction history, and more. Recharge, pay bills, open a fixed deposit account and view all information on the loans availed from the bank.

This Axis Bank app also lets you check your total investment balance in mutual funds, view the Demat account summary and check your forex card statements.


  • Safe and secure banking app
  • User-friendly application with over 250+ cutting-edge services
  • Open a digital savings account at your convenience 
  • Simplified banking transactions
  • Enjoy deals over various brands across travel, lifestyle, and more 
  • Rating on Google Play Store: 4.6
  • App downloads: 10M+ 

Also Read: Tired Of Manually Tracking Your Money? These Apps Can Help


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