App is good but lacks many privilages 1. Opening of demat ac through app 2. SGB buying not included 3. Ekvp, Sukanya, scss etc ac cannot be opened through this 4. Upi scanner is not provided 5. Doesnot work after 11pm 6. Statements cannot be seen or downloded for more time. Atleast 1 year should be provided. 6. Not works if any one changes sim or phone or software updated. It becomes really hectic for staff to deregister and rergister again and again. If forgot pin then also the same case.