Mobikwik is one of the apps I had used. My personal experience from it is very good as the process time in recharge, bill payments, add money is very fast and secure. Its gives best offers then others but there is drawback with withdrawl of money to bank. I.e the daily limit is just 1000 and in that also you can not withdrawl cashback. But then also overall the app is good there is very minor chance of error. Otherwise all good .