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PhonePe UPI Payments, Loan App

PhonePe · Build 26.09.11.0

com.phonepe.app
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Static analysis completeScanned 2026-09-30 21:53 UTC

Static checks identify review items, not a guarantee of safety.

Overview

Analysis recorded

3 finding categories to review

PhonePe UPI Payments, Loan App (com.phonepe.app) scored grade A, 97 out of 100, in a static scan of version 26.09.11.0 on 2026-09-30. It has no high or critical findings, and 3 lower-severity finding categories across 4 occurrences. 11 tracking SDKs are present in the package, which describes what ships, not what runs or what it sends. This is static analysis of a single build: it does not observe the app running and does not establish that any data is exposed.

Finding categories34 occurrences
High / critical0Category count
Tracking SDKs11Presence, not observed traffic
Assessment score97 / 100Grade A

Start with these findings

lowFirebase Realtime Database reference1 occurrence

Interpretation & review guidance

A Firebase Realtime Database URL. Nearly every app that uses Firebase ships one. It's only an exposure if the database rules are world-readable — that's what live verification checks.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.
Open in all findingsRequest a correction
lowFirebase Storage bucket reference1 occurrence

Interpretation & review guidance

A Firebase Cloud Storage bucket reference (the default <project>.appspot.com). Storing user files here is normal — it's only an exposure if the Storage security rules allow public read/list, which live verification tests.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.
Open in all findingsRequest a correction
lowGoogle API key (client-shipped; restriction unverified)2 occurrences

Interpretation & review guidance

Android apps are designed to ship Google API keys in the client; Google restricts them by app signing certificate + enabled API. This is only a problem if the key is left unrestricted — presence alone is expected, not an exposure.

Evidence
2 recorded occurrences in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.
Open in all findingsRequest a correction
View all 3 categories

Privacy

58 requested permissions · 9 flagged high-risk classes.

Review privacy signals →

Build & components

148 components recorded. Certificate parsing does not validate APK signature integrity.

Inspect build evidence →
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Findings

3 categories · 4 occurrences. Severity totals describe categories. Expand a finding for interpretation and review guidance.

lowFirebase Realtime Database reference1 occurrence

Interpretation & review guidance

A Firebase Realtime Database URL. Nearly every app that uses Firebase ships one. It's only an exposure if the database rules are world-readable — that's what live verification checks.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.

Evidence preview

Evidence type
Static string match
Representative location
resources.arsc
Recorded match
Pattern recorded; identifying value redacted.
Detector rule
firebase_db
Recorded file locations
  • resources.arsc

1 recorded findings have inspectable metadata. Duplicate matches may share a representative location.

Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.

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Link to categoryRequest a correction
lowFirebase Storage bucket reference1 occurrence

Interpretation & review guidance

A Firebase Cloud Storage bucket reference (the default <project>.appspot.com). Storing user files here is normal — it's only an exposure if the Storage security rules allow public read/list, which live verification tests.

Evidence
1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.

Evidence preview

Evidence type
Static string match
Representative location
resources.arsc
Recorded match
Pattern recorded; identifying value redacted.
Detector rule
firebase_storage_bucket
Recorded file locations
  • resources.arsc

1 recorded findings have inspectable metadata. Duplicate matches may share a representative location.

Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.

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Search recorded evidence and save private review notes with Pro. $99/month plus applicable tax.

Link to categoryRequest a correction
lowGoogle API key (client-shipped; restriction unverified)2 occurrences

Interpretation & review guidance

Android apps are designed to ship Google API keys in the client; Google restricts them by app signing certificate + enabled API. This is only a problem if the key is left unrestricted — presence alone is expected, not an exposure.

Evidence
2 recorded occurrences in the analyzed APK. These are distinct stored findings, not a count of every source match.
Verification
Static detection; current reachability is not established.

Evidence preview

Evidence type
Static string match
Representative location
resources.arsc
Recorded match
AIza•••••••• (21–40 chars, redacted)
Detector rule
google_api_key
Recorded file locations
  • resources.arsc

2 recorded findings have inspectable metadata. Duplicate matches may share a representative location.

Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.

Preview evidence and Pro tools

Search recorded evidence and save private review notes with Pro. $99/month plus applicable tax.

Link to categoryRequest a correction

Privacy signals

Capabilities and bundled software do not prove that data was collected or transmitted.

Requested permissions58
Flagged high-risk classes9
Detected SDKs11

Precise location Approx. location Camera Microphone Contacts Read SMS Send SMS Phone state Accounts

Requested permission inventory (58)
  • android.Manifest.permission.ACCESS_FINE_LOCATION
  • android.Manifest.permission.READ_PHONE_STATE
  • android.permission.ACCESS_ADSERVICES_AD_ID
  • android.permission.ACCESS_ADSERVICES_ATTRIBUTION
  • android.permission.ACCESS_ADSERVICES_TOPICS
  • android.permission.ACCESS_COARSE_LOCATION
  • android.permission.ACCESS_FINE_LOCATION
  • android.permission.ACCESS_NETWORK_STATE
  • android.permission.ACCESS_WIFI_STATE
  • android.permission.AUTHENTICATE_ACCOUNTS
  • android.permission.BLUETOOTH
  • android.permission.BLUETOOTH_ADMIN
  • android.permission.BLUETOOTH_ADVERTISE
  • android.permission.BLUETOOTH_CONNECT
  • android.permission.BLUETOOTH_SCAN
  • android.permission.CALL_PHONE
  • android.permission.CAMERA
  • android.permission.CHANGE_NETWORK_STATE
  • android.permission.CHANGE_WIFI_STATE
  • android.permission.FOREGROUND_SERVICE
  • android.permission.FOREGROUND_SERVICE_CONNECTED_DEVICE
  • android.permission.FOREGROUND_SERVICE_DATA_SYNC
  • android.permission.GET_ACCOUNTS
  • android.permission.HIDE_OVERLAY_WINDOWS
  • android.permission.INTERNET
  • android.permission.MODIFY_AUDIO_SETTINGS
  • android.permission.NFC
  • android.permission.POST_NOTIFICATIONS
  • android.permission.READ_CONTACTS
  • android.permission.READ_PHONE_NUMBERS
  • android.permission.READ_PHONE_STATE
  • android.permission.READ_PROFILE
  • android.permission.READ_SMS
  • android.permission.READ_SYNC_SETTINGS
  • android.permission.RECEIVE_BOOT_COMPLETED
  • android.permission.RECEIVE_SMS
  • android.permission.RECORD_AUDIO
  • android.permission.REORDER_TASKS
  • android.permission.SEND_SMS
  • android.permission.USE_BIOMETRIC
  • android.permission.USE_FINGERPRINT
  • android.permission.USE_FULL_SCREEN_INTENT
  • android.permission.VIBRATE
  • android.permission.WAKE_LOCK
  • android.permission.WRITE_SYNC_SETTINGS
  • android.webkit.resource.AUDIO_CAPTURE
  • android.webkit.resource.VIDEO_CAPTURE
  • com.android.launcher.permission.INSTALL_SHORTCUT
  • com.android.launcher.permission.UNINSTALL_SHORTCUT
  • com.google.android.c2dm.permission.RECEIVE
  • com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
  • com.google.android.gms.permission.AD_ID
  • com.huawei.appmarket.service.commondata.permission.GET_COMMON_DATA
  • com.phonepe.app.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
  • com.phonepe.app.deveventspermission
  • com.phonepe.app.permission.C2D_MESSAGE
  • com.phonepe.app.permission.SYNC_COMPLETE
  • com.samsung.android.mapsagent.permission.READ_APP_INFO

Data collection & flow (privacy signal, not part of the grade)

Data the app can access
Camera
Camera
Contacts
Contacts
Location
Approximate locationPrecise location
Microphone
Microphone
Personal info
Device accounts
Phone
Phone state / numberPhone number
Photos & files
StorageStorage (write)
SMS
Receive SMSSend SMSRead SMS
Persistent identifiers (referenced in code)
Advertising ID (AAID)Android IDDevice ID / IMEISubscriber ID (IMSI)SIM serialHardware MAC address
Where it can go
Third parties present (8)
Google AdMobAmplitudeGoogle AnalyticsGoogle Analytics for FirebaseGoogle Firebase AnalyticsGoogle Tag ManagerNew RelicAppsFlyer
  • Approximate location, Precise location requested while 2 ad/attribution SDK(s) are present (Google AdMob, AppsFlyer) — location commonly feeds ad targeting.
  • Persistent-identifier APIs referenced in code (Advertising ID (AAID), Android ID, Device ID / IMEI +3 more) with 8 analytics/ad SDK(s) present — the mechanism used for cross-app profiling.
  • Camera, Contacts, Microphone, Personal info, Phone, Photos & files, SMS data requested with third-party analytics/ad SDKs present.

This maps what the app can access (permissions it requests, identifier APIs its code references) to the third parties bundled in it. It reflects capability and SDK presence — not proof that a specific value was transmitted.

Data Safety comparison not recorded.

Trackers & SDKs (11 detected · privacy signal, not part of the grade)

Advertising
Google AdMob
Analytics
AmplitudeGoogle AnalyticsGoogle Analytics for FirebaseGoogle Firebase AnalyticsGoogle Tag ManagerNew Relic
Attribution
AppsFlyer
Consent
IAB TCF
Crash reporting
Google CrashlyticsSentry

Build & components

Scanned build 26.09.11.0. Store metadata may describe a newer release.

APK SHA-256a4d3bb07ef379090f3b66bedd86a9fd3ce1a69b40fb72d18565dd64e08b7a233

Signing certificate (who signed this build — factual, not part of the grade)

Signer
PhonePe self-signed
Scheme
V3V2
Key
RSA 2048-bit
Algorithm
sha256WithRSA
Validity
2016-06-01 → 2066-05-20
Cert SHA-256
53:35:bc:49:61:58:0b:2e:39:cf:e6:61:35:53:86:63:68:40:68:6a:d0:0b:8d:c1:60:61:d2:22:36:aa:7d:13

The certificate fingerprint identifies the parsed signing certificate. Knowing this public fingerprint does not establish ownership or validate the APK signature.

Signature integrity: not established by certificate parsing.

Component inventory

148 components. Advisory matching covers a curated set; no match is not proof that a component is vulnerability-free.

Bundled components and recorded advisory matches
ComponentVersionAdvisory matches
androidx.activity:activity1.12.4None recorded
androidx.activity:activity-compose1.12.4None recorded
androidx.activity:activity-ktx1.12.4None recorded
androidx.annotation:annotation-experimental1.4.1None recorded
androidx.appcompat:appcompat1.6.1None recorded
androidx.appcompat:appcompat-resources1.7.0None recorded
androidx.asynclayoutinflater:asynclayoutinflater1.0.0None recorded
androidx.autofill:autofill1.1.0None recorded
androidx.biometric:biometric1.4.0-alpha05None recorded
androidx.browser:browser1.8.0None recorded
androidx.camera:camera-camera21.4.2None recorded
androidx.camera:camera-core1.4.2None recorded
androidx.camera:camera-lifecycle1.4.2None recorded
androidx.camera:camera-video1.4.2None recorded
androidx.camera:camera-view1.4.2None recorded
androidx.cardview:cardview1.0.0None recorded
androidx.compose.animation:animation1.9.4None recorded
androidx.compose.animation:animation-core1.9.4None recorded
androidx.compose.foundation:foundation1.9.4None recorded
androidx.compose.foundation:foundation-layout1.9.4None recorded
androidx.compose.material3:material31.2.0None recorded
androidx.compose.material:material1.9.4None recorded
androidx.compose.material:material-icons-core1.6.1None recorded
androidx.compose.material:material-ripple1.8.2None recorded
androidx.compose.runtime:runtime1.9.4None recorded
androidx.compose.runtime:runtime-annotation1.9.4None recorded
androidx.compose.runtime:runtime-livedata1.9.4None recorded
androidx.compose.runtime:runtime-saveable1.9.4None recorded
androidx.compose.ui:ui1.9.4None recorded
androidx.compose.ui:ui-geometry1.9.4None recorded
androidx.compose.ui:ui-graphics1.9.4None recorded
androidx.compose.ui:ui-text1.9.4None recorded
androidx.compose.ui:ui-tooling1.9.4None recorded
androidx.compose.ui:ui-tooling-data1.9.4None recorded
androidx.compose.ui:ui-tooling-preview1.9.4None recorded
androidx.compose.ui:ui-unit1.9.4None recorded
androidx.compose.ui:ui-util1.9.4None recorded
androidx.coordinatorlayout:coordinatorlayout1.2.0None recorded
androidx.core:core1.16.0None recorded
androidx.core:core-ktx1.16.0None recorded
androidx.core:core-splashscreen1.0.0None recorded
androidx.core:core-viewtree1.0.0None recorded
androidx.credentials:credentials1.5.0None recorded
androidx.credentials:credentials-play-services-auth1.5.0None recorded
androidx.cursoradapter:cursoradapter1.0.0None recorded
androidx.customview:customview1.1.0None recorded
androidx.customview:customview-poolingcontainer1.0.0None recorded
androidx.databinding:baseAdapters8.13.2None recorded
androidx.databinding:databindingKtx8.13.2None recorded
androidx.databinding:library8.13.2None recorded
androidx.databinding:viewbinding8.13.2None recorded
androidx.datastore:datastore1.2.1None recorded
androidx.datastore:datastore-core1.2.1None recorded
androidx.datastore:datastore-preferences1.2.1None recorded
androidx.datastore:datastore-preferences-core1.2.1None recorded
androidx.documentfile:documentfile1.0.0None recorded
androidx.drawerlayout:drawerlayout1.1.1None recorded
androidx.dynamicanimation:dynamicanimation1.0.0None recorded
androidx.emoji2:emoji21.4.0None recorded
androidx.emoji2:emoji2-views-helper1.4.0None recorded
androidx.exifinterface:exifinterface1.3.7None recorded
androidx.fragment:fragment1.8.9None recorded
androidx.fragment:fragment-ktx1.8.9None recorded
androidx.graphics:graphics-path1.0.1None recorded
androidx.gridlayout:gridlayout1.0.0None recorded
androidx.hilt:hilt-navigation1.2.0None recorded
androidx.hilt:hilt-navigation-compose1.2.0None recorded
androidx.hilt:hilt-work1.2.0None recorded
androidx.interpolator:interpolator1.0.0None recorded
androidx.legacy:legacy-support-core-ui1.0.0None recorded
androidx.legacy:legacy-support-core-utils1.0.0None recorded
androidx.lifecycle:lifecycle-extensions2.2.0None recorded
androidx.lifecycle:lifecycle-livedata2.10.0None recorded
androidx.lifecycle:lifecycle-livedata-core2.10.0None recorded
androidx.lifecycle:lifecycle-livedata-core-ktx2.10.0None recorded
androidx.lifecycle:lifecycle-livedata-ktx2.10.0None recorded
androidx.lifecycle:lifecycle-process2.10.0None recorded
androidx.lifecycle:lifecycle-runtime2.10.0None recorded
androidx.lifecycle:lifecycle-runtime-compose2.10.0None recorded
androidx.lifecycle:lifecycle-runtime-ktx2.10.0None recorded
androidx.lifecycle:lifecycle-service2.10.0None recorded
androidx.lifecycle:lifecycle-viewmodel2.10.0None recorded
androidx.lifecycle:lifecycle-viewmodel-compose2.10.0None recorded
androidx.lifecycle:lifecycle-viewmodel-ktx2.10.0None recorded
androidx.lifecycle:lifecycle-viewmodel-savedstate2.10.0None recorded
androidx.loader:loader1.1.0None recorded
androidx.localbroadcastmanager:localbroadcastmanager1.0.0None recorded
androidx.media:media1.1.0None recorded
androidx.navigation:navigation-common2.9.7None recorded
androidx.navigation:navigation-compose2.9.7None recorded
androidx.navigation:navigation-runtime2.9.7None recorded
androidx.navigation:navigation-runtime-ktx2.9.7None recorded
androidx.navigationevent:navigationevent1.0.2None recorded
androidx.navigationevent:navigationevent-compose1.0.2None recorded
androidx.paging:paging-common3.3.5None recorded
androidx.paging:paging-compose3.3.5None recorded
androidx.paging:paging-runtime3.3.5None recorded
androidx.paging:paging-runtime-ktx3.3.5None recorded
androidx.palette:palette1.0.0None recorded
androidx.palette:palette-ktx1.0.0None recorded
androidx.print:print1.0.0None recorded
androidx.privacysandbox.ads:ads-adservices1.1.0-beta11None recorded
androidx.privacysandbox.ads:ads-adservices-java1.1.0-beta11None recorded
androidx.profileinstaller:profileinstaller1.4.1None recorded
androidx.recyclerview:recyclerview1.2.1None recorded
androidx.room:room-ktx2.7.2None recorded
androidx.room:room-paging2.7.2None recorded
androidx.room:room-runtime2.7.2None recorded
androidx.room:room-rxjava22.7.2None recorded
androidx.savedstate:savedstate1.4.0None recorded
androidx.savedstate:savedstate-compose1.4.0None recorded
androidx.savedstate:savedstate-ktx1.4.0None recorded
androidx.security:security-crypto1.1.0-alpha06None recorded
androidx.slidingpanelayout:slidingpanelayout1.0.0None recorded
androidx.sqlite:sqlite2.5.2None recorded
androidx.sqlite:sqlite-bundled2.5.2None recorded
androidx.sqlite:sqlite-framework2.5.2None recorded
androidx.sqlite:sqlite-ktx2.5.2None recorded
androidx.startup:startup-runtime1.2.0None recorded
androidx.swiperefreshlayout:swiperefreshlayout1.1.0None recorded
androidx.tracing:tracing1.2.0None recorded
androidx.tracing:tracing-ktx1.2.0None recorded
androidx.transition:transition1.2.0None recorded
androidx.vectordrawable:vectordrawable1.1.0None recorded
androidx.vectordrawable:vectordrawable-animated1.1.0None recorded
androidx.versionedparcelable:versionedparcelable1.1.1None recorded
androidx.viewpager2:viewpager21.0.0None recorded
androidx.viewpager:viewpager1.0.0None recorded
androidx.webkit:webkit1.12.1None recorded
androidx.work:work-runtime2.10.0None recorded
androidx.work:work-runtime-ktx2.10.0None recorded
com.google.android.material:material1.8.0None recorded
com.google.dagger:dagger2.57.1None recorded
com.google.dagger:dagger-android2.49None recorded
com.google.dagger:dagger-android-support2.45None recorded
com.google.dagger:dagger-compiler2.57.1None recorded
com.google.dagger:dagger-lint-aar2.57.1None recorded
com.google.dagger:dagger-spi2.57.1None recorded
com.google.dagger:hilt-android2.57.1None recorded
com.google.dagger:hilt-android-compiler2.57.1None recorded
com.google.dagger:hilt-core2.57.1None recorded
com.squareup.okhttp3:okhttp5.1.0None recorded
kotlinx:coroutines_android1.10.2None recorded
kotlinx:coroutines_core1.10.2None recorded
kotlinx:coroutines_play_services1.10.2None recorded
kotlinx:coroutines_reactive1.10.2None recorded
kotlinx:coroutines_rx21.10.2None recorded
kotlinx:coroutines_slf4j1.10.2None recorded
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About this app · store information

About this app

Secure UPI Pay, Recharge, Personal Loan App, Mutual Fund, Credit Card, Insurance

Content ratingEveryone
Download size201.3 MB
Privacy policyPublished →
Developer sitewww.phonepe.com

Screenshots

App screenshotApp screenshotApp screenshotApp screenshotApp screenshotApp screenshotApp screenshotApp screenshot

Scan history

Each row is an observed scan. Gaps between scans do not establish how long a finding existed.

Scanned (UTC)BuildScoreGrade
2026-09-30 21:53 UTC26.09.11.097A
2026-09-22 19:10 UTC26.08.28.090A
2026-09-15 12:49 UTC26.08.28.090A
2026-09-08 01:57 UTC26.07.03.090A

View changes between the last two scans →

Export & share

Exports describe the recorded assessment. Signed evidence proves origin and integrity, not completeness or safety.

SARIFFindings CSVCoverage JSONSigned evidenceSBOM

Coverage & gap matrix · Verify signed evidence

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apk-scanner.com exposure grade
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<a href="https://apk-scanner.com/app/com.phonepe.app"><img src="https://apk-scanner.com/app/com.phonepe.app/badge.svg" alt="apk-scanner.com exposure grade" height="20"></a>

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