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YONO SBI: Banking, UPI & Pay

77
Quality Score
Strong

YONO SBI: Banking, UPI & Pay

High confidence
4.0 Google Play rating
✍️ Bumetric analysis
“

This Android finance app, YONO SBI, targets the retail banking sector, specifically existing and potential customers of the State Bank of India. Its direct competitors are other major Indian banks offering similar digital banking solutions, like ICICI Bank's iMobile Pay or HDFC Bank's MobileBanking. The app's substantial user base, indicated by over three million ratings, paired with a solid 4.02 average, signals strong traction and a mature product in the growth stage. While the app is listed as free, typical monetization in this category revolves around driving engagement with core banking products, which generate revenue through transaction fees, interest income from loans, and investment management. The app acts as a digital storefront and service portal, with its "free" status indicating that the bank's traditional financial services are the ultimate revenue drivers, not direct in-app purchases or subscriptions.

BU Score 77 · Strong — healthy traction. The full Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.

Track snapshot history and revenue forecast in the Performance section below.

💰 Forecast monthly revenue
—/mo
Founder-confirmed monthly revenue
BIG tier
💡 Grow this revenue
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Typical impact: +2-5× organic installs
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📊 Performance Tracking LIVE

5 snapshots on record
idle
0%
Rating
4.0
Reviews
3,062,034 reviews
Forecast Revenue / mo
—
Snapshots tracked
5
since May 2026
📊

BU Investment Matrix

Concerning · 46/100BIG TIERbelow benchmarks
GrowthFounderQualityRevenueMonetiz.MoatMarketSafety
Growth Velocity
5.0
Founder Strength
5.7
Product Quality
8.0
Revenue Strength
0.0
Monetization Maturity
1.0
Defensibility
7.2
Market Position
0.0
Operational Safety
10.0
  • 💰 Revenue: Pre-revenue or unknown — $0 - $0/mo · BIG tier · high confidence, trajectory unclear.
  • ⭐ Quality: 3.98★ across 3,062,034 reviews — strong (top 10%).
  • 📍 Market: Not yet charting in any of the 9 monitored markets.
  • 📈 Growth: Insufficient signal to assess trajectory.
  • ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: No verified revenue — acquisition only makes sense for tech / userbase / brand.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:

💰 Forecast Revenue / mo

MODEL
Revenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 4 of 4 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
High install base (3,062,034 ratings)METRIC
+$12,000
securityREVIEW
+$1,800
Mature app (8y old)METRIC
+$1,500
Ad-supported / freemiumMETRIC
+$600
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)

📈 Reviews Growth

LIVE
Cumulative review count from first BU snapshot. Each point = a tracked update.

⭐ Rating Trend

LIVE
Average rating evolution. Updates with each new review batch.

Profile & Insights

Everything we know — and don't — about this app and its company.

Identification

App name
YONO SBI: Banking, UPI & Pay
Developer
State Bank of India
Bundle ID
com.sbi.lotusintouch
App Store URL
Open in App Store
Category
Finance
Content rating
Not found
Languages
Not found

Company

Website
crcf.bank.sbi
Tagline
Not found
Description
Not found
Founded
Not found
HQ / Address
Not found
Employees
Not found
Logo
Not found

Revenue

Reported revenue signal / mo
Not found
AI revenue estimate / mo
Not found
AI annual estimate
Not found
Model estimate / mo
$218/mo
Top-grossing rank
Not found
All-time revenue
Not found
Pricing
Not found

Founder

Founder data not yet collected for this app.

Funding

Funding data not yet collected for this app.

Press & Links

Press & Links data not yet collected for this app.

Contacts & Socials

Contacts & Socials data not yet collected for this app.
🚀Update Frequency · Releases per Quarter4 releases tracked
22Q2 2026Q3 2026
🚀Version Release Timeline4 releases tracked
v2.29.02May 2026v2.29.10Jun 2026v2.29.16Jul 2026v2.29.17Aug 2026
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.

📝 About this app

Experience the next generation of digital banking with YONO SBI. Redesigned with all-new features, YONO offers a faster, more intuitive and highly secure way to manage your finances and lifestyle. YONO SBI brings the power of India’s largest bank directly to your fingertips.

Have a question or need assistance for YONO SBI App? For instant support and quick resolution raise the issue on our dedicated site https://crh.sbi.bank.in or call 1800-1111-01.

Banking Made Simple

Whether you are tech-savvy or beginning your digital journey, YONO SBI makes everyday banking easy:… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →
🔖 v2.29.17🔄 updated 2w ago📂 Finance💰 Free🚀 Launched 2017 (8y old)
📅

What Worked™ · Development Pipeline

5 EVENTS TRACKED
Detected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-09
🔧
Shipped update — v2.29.17 → v2.29.17
→ 30 days after: reviews +4,159 high confidence
2026-07
🔧
Shipped update — v2.29.16 → v2.29.17
→ 30 days after: reviews +7,004 high confidence
2026-07
🔧
Shipped update — v2.29.10 → v2.29.16
→ 30 days after: reviews +17,822 high confidence
2026-06
🔧
Shipped update — v2.29.02 → v2.29.10
→ 30 days after: reviews +22,759 medium · co-occurring
2026-05
🚀
First tracked snapshot — initial data captured
→ 30 days after: reviews +11,941 high confidence
🔔

Track this app’s revenue

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ONE-TIME · BUILD 💰 Estimated build cost
$180K
↳ What it cost to build · not monthly revenue
Likely range $135K – $245K
$25K · MVP floor $100K · indie scale $500K+ · studio build

Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.

Where the money goes
🧱 MVP baseline (design + 1-store ship) +$28K
📱 5 unique screens × $4.5K +$22K
⚙ Finance complexity ×1.60 +$30K
🌐 Cross-platform reach (iOS + Android) +$44K
⚙ 8.8y maintenance × ~1-person team +$52K
Total estimate $180K
👥 Estimated audience size
128.5M
Lifetime downloads (US-equivalent)
Monthly active
21.0M
Daily active
8.4M

Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.

How we sized it
📲 Finance engagement ~60 installs / rating
📅 8.8y of rating accumulation -30%
🔁 Finance D30 retention 28%
📍 DAU / MAU stickiness 0.40
DAU / MAU 40% sticky
🛠 Estimated tech stack
🤖
Native Android (Kotlin)
High confidence · 80%
Also possible
Flutter

Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.

Signals we read
🏷 Category context Finance
📦 Compact Android bundle → Native Kotlin
💀 Maintenance status
Active
5%
Last shipped 2026-09-15 · 18 days ago
0 · Active 50 · At risk 100 · Abandoned

Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.

Risk signals
📅 18 days since last update Active development
Verdict Active

📝 Description

95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for YONO SBI: Banking, UPI & Pay: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
Read deep-dive →

More by State Bank of India

View all →
📦 Portfolio summaryBIG studio
21apps·$4.0M/mocombined
Lead-app heavy — top app contributes 50%

Similar apps in Finance

About this analysis
ZCAnalyzed by Zakhar Chumak · founder, Bumetric·Full methodology·High confidence

Why high confidence: 3,062,034 ratings · no founder-verified revenue (model estimate only).

❓ Frequently Asked Questions

7 answers · auto-generated from this app's public data
How many users does YONO SBI have?▴
Estimated audience: ~128.5M lifetime downloads, ~21.0M monthly active users, and ~8.4M daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.
What apps are like YONO SBI?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is YONO SBI built with?▴
Our heuristic places YONO SBI on the Native Android (Kotlin) stack (High confidence, 80%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: Flutter.
Is YONO SBI still actively maintained?▴
Maintenance status: Active (5% abandonment risk). Last shipped version was 18 days ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
When was YONO SBI last updated?▴
YONO SBI last shipped a new version on 2026-09-15 — less than a month ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes YONO SBI?▴
YONO SBI is published by State Bank of India on the Google Play Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is YONO SBI's BU Score?▴
YONO SBI has a BU Score of 77/100 (Strong). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.