SBI Yono vs SBI Yono Lite: Which is Better in 2024?

This will be a detailed article on SBI Yono vs SBI Yono Lite. I know a lot of people are unable to differentiate between SBI Yono and SBI Yono lite applications.

No doubt these are some of the best apps of SBI Mobile Banking. Both are the official apps of the State Bank of India. However, there are some features that do not match each other.

Do not skip this article if you want to clear your doubt. Read till the end to know all the features of both applications.

SBI Yono vs SBI Yono Lite

In this post, I’m going to show you all the features of each application. Moreover, I am going to make a feature-wise comparison between these apps which clearly justifies The SBI Yono Vs SBI Yono Lite.

I am very much sure that after reading this post you will not have any confusion about them. You’ll get all the answers to your doubts thoroughly.

Bonus Read: How To Change Mobile Number in SBI Account [Step by Step]

Table of Contents

Difference between YONO and YONO Lite

The main difference between YONO and YONO lite of SBI is the features. Both the mobile applications are quite very much helpful for SBI customers. These two apps are officially managed by the State bank of India.

Let’s begin…

SBI Yono Vs SBI Yono Lite: Detailed Comparision

In this comparison table of SBI Yono vs SBI Yono Lite, I am trying to cover all the banking facilities/features. If I miss some essential features of these apps do let me in the comment section. The following table shows some basic and advanced features of SBI banking.

FEATURES SBI YONO SBI YONO LITE
Official Application Yes Yes
Internet Banking Registration Yes Yes
Same INB Username & Password Login Yes Yes
Account Balance Inquiry Yes Yes
Fund Transfer Yes Yes
Add Beneficiary Yes Yes
Edit Beneficiary Yes Yes
Account Opening (RD, FD, MOD) Yes Yes
Closing Account (RD, FD, MOD) Yes Yes
Quick Transfer Yes Yes
UPI Fund Transfer Yes Yes
Check Account Statement Yes Yes
Mobile & DTH Recharge Yes Yes
Postpaid Bill Pay Yes Yes
SBI Life Premium Pay Yes Yes
Apply Cheque Book Yes Yes
Stop Cheque Book Yes Yes
Manage Debit Card Yes Yes
View Nominee Yes Yes
TDS Inquiry Yes Yes
15G/15H Form Yes Yes
Login through MPIN Yes Yes
Login through Username & Password Yes Yes

In the above table, there are 22 features that both the application are the same. Now, on the basis of the above banking features, we’ll find SBI Yono vs SBI Yono Lite.

Read More: How To Check SBI Account Balance [4 Easy Ways]

Now, let’s find the actual features that do not match each other. The table below shows the facilities and features that SBI YONO Lite provides to its customers which clearly tells SBI Yono Vs SBI Yono Lite.

SBI Yono Lite Features

FEATURES SBI Yono SBI Yono Lite
Forgot Username & Password No Yes
Internet Banking (lock & Unlock) No Yes
Add Beneficiary without Fund Transfer No Yes
Send UPI Payment without UPI ID No Yes
M Cash No Yes
Generate and Cancel MMID No Yes
Generate & Cancel Virtual card No Yes
mPassbook No Yes
E-Statement Subscription No Yes
Long Term Statement Download No Yes
NCMC Debit Card Plus No Yes
Prepaid card Topup No Yes
Credit Card Visa Transfer No Yes
SBI Credit Card Apply No Yes
AADHAR Link No Yes
Link LPG Consumer ID No Yes
SBI Voice Assist No Yes
Add Link Favorites No Yes
Manage Favorites No Yes
Fingerprint Login No Yes
SBI FASTag No Yes
SBI Collect No Yes
BHIM SBI Pay No Yes
Find Branch/ATM No Yes
Register Complaint No Yes
QR Cash Withdrawl No Yes
UPI Transfer No Yes

Bonus Read: How to Transfer SBI Account to Another Branch Instantly [Online/Offline]

The above table shows the features that Yono Lite SBI has but not Yono SBI.

In the same way, there are some features that SBI Yono has but not SBI Yono Lite. Those features are discussed in the following table or chart.

SBI Yono Features

FEATURES SBI Yono SBI Yono Lite
Register Net Banking (Without ATM Card) Yes No
Savings Account Opening Yes No
Account Transfer Yes No
New ATM Card Apply Yes No
Activate ATM Card Yes No
New/Change ATM PIN Yes No
Block ATM Card Yes No
Yono Cash Yes No
Change Nominee Yes No
Yono Insta Life Secure Yes No
Yono Krishi (Agriculture) Yes No
All UPI Services Yes No
Loan Apply Yes No
Book Train Ticket Yes No
Investment in MF, CAP, Trading Yes No
Shopping Discount (Offers) Yes No
View Reward Points Yes No
Redeem Reward Point Yes No
Change mobile Number Yes No
Change/Update PAN card details Yes No
Change/Update Email ID Yes No
Pension Slip Yes No
Change Account Type Yes No
Change Login/Profile Password& MPIN Yes No
Change Profile Password with ATM Card Yes No
Manage Transaction Rights Yes No
Manage SMS Alerts Yes No
Apply for New Credit Card Yes No
Link Credit Card Yes No
Buy SBI Life Policy Yes No
Link SBI Life Policy Yes No
Reward Point Summary Yes No
Chat Bot Yes No

Frequently Asked Questions

As an SBI customer, I personally use both of these Apps. I use these Apps as per my requirements and usage.

What is the difference between YONO SBI and YONO Lite?

There are no huge differences between SBI Yono and SBI Yono Lite or SBI Yono Vs SBI Yono Lite. Both are the Official Mobile Application of the State Bank of India. The only difference I can observe is the features.

Can I use both YONO SBI and YONO Lite SBI?

Definitely YES. There is no restriction on using both apps. You can use both these apps in terms of features. The only difference between these two apps is the features. Both the Apps are great in their own way.

Can I use SBI YONO without net banking?

Yes, you can. But, you have to register either through ATM Card or with Account details. This means, there are three ways to access or use SBI Yono. These are SBI Internet Banking, ATM Card, and Account Details.

Is there any advantage in using the SBI YONO app over the SBI Anywhere app?

There are some differences between them. If you are a shopping lover then SBI Yono is for you. Moreover, you can link your Demat account, Mutual fund, Insurance holdings, and Credit card with SBI Yono. Click Here to Explore more.

Is Yono Lite SBI safe?

Yono SBI is completely safe for banking. Till now I haven’t faced any issue with the SBI Yono Application. However, I find the Yono app a little bit laggy and consumes more mobile/WiFi data. But, no issues with SBI Yono Lite.

Which YONO App is best?

Both YONO and YONO Lite are quite similar. In SBI YONO, we can access advanced banking features like mutual funds, credit cards, loans, etc. Whereas in SBI YONO Lite, you can see the basic banking features that you need.

Is Yono SBI and Yono SBI Lite same?

No. We can differentiate between these two apps in terms of banking features. I’d say SBI Yono is more advanced than SBI Yono Lite. Nevertheless, both are the official mobile Apps by the State bank of India.

Conclusion

I hope this article has helped you to solve the doubt about SBI Yono vs SBI Yono Lite. I tried my best to cover all the features provided by these apps. However, you can tell me which apps you use and if you find any features missing in this article do let me know in the comment section.

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20 thoughts on “SBI Yono vs SBI Yono Lite: Which is Better in 2024?”

  1. It is a fervent appeal to SBI to make one Application instead of multiple ones, which is easy, secure and user-friendly like in any Corporate bank. I am sure SBI is way bigger and Omnipresent across the Globe. It deserves to be the leader in Banking industry by adopting latest tools of the trade and methods.

    Reply
  2. SBI is a bank for common people. Majority of SBI customers are not competent enough to handle such confusing apps. Even staff at SBI branches is not able to explain about these apps.
    SBI should in its own interest improve its apps.
    Thanks

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  3. what is the purpose for launching two apps with different features instead of one app covering all features?

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  4. You cannot make NEFT or RTGS transactions through yono. Also you cannot schedule transactions. Two very great disadvantage against yono lite.

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    • Both are safe mobile Apps as these are the official SBI mobile apps. You can use both or any of these in terms of banking features.

      Reply
  5. Why don’t you include every feature in a single app rather confusing having two apps.Have feature for FD on mature to transfer in account

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  6. Good comparisons brought out. Thank you.

    It would have been good if all banking operations would have been included in both apps same. Additional non banking activities could be included in Yono. Best however would be to have single app. Its not user friendly to use 2 apps for features which are not common.

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  7. I have opened 4tdrs on 4th sept for 1 I have received advice by email. for remaining 3tdrs and 1 tdr opened on 6th sept not received till now despite repeated requests

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  8. Team SBI, Please plan to release a single App comprising all operations. Switching between Apps is difficult for a common man.

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  9. Why have 2 apps with different options? Options shown in either app are very much important and a user would like to have one app instead of having to log in to two! Amazing stupidity by those who thought of this!

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  10. I created my mobile banking in sbi yono, when I’m trying to login with the same username and password in sbi yono lite. It is not working.

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  11. Opening Overdraft against TDR in the same name…feature is not there in yonolite app where as it is available in sbiyono app…is it correct

    Reply

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