UPI PIN is mandatory to send money using any of the UPI apps. You must know that Paytm, Phonepe, Google Pay, SBI Pay etc uses UPI payment system to send money. It is also used to pay merchants. In all these cases, you have enter the UPI PIN. But, often we forget it. don’t worry, we can easily Reset this PIN.
In this post, I would tell you all the important things about the UPI PIN. You have to read this post till end so that learn everything about this crucial number. You can’t take it lightly.
What is UPI PIN?
If you want to open the lock of your vault, you have to use the key. Similarly, if you want to use money from your bank account, you have to use the UPI PIN. This is mandatory, if you want to access your funds through the UPI apps.
For all other payment methods such as ATM, Cheque. NEFT, IMPS and RTGS, you need separate keys. In fact, bank need to authenticate before giving you the access to the bank account. The UPI PIN is such an authentication method. It is just like the ATM PIN. So Be careful about it.
| Payment Means | First Authentication | Second Authentication |
| ATM | Your Own Debit Card | ATM PIN |
| Cheque | Cheque Leaf from your own Cheque Book | Signature |
| Net Banking | User ID and Password | OTP or Debit card Grid |
| Card Payment | Your Own Card | ATM PIN or OTP |
| UPI Apps | Your Registered Mobile Number | UPI PIN |
Also Read: What is UPI
UPI-PIN is a 4-6 digit secret code you create/set when you link a bank account with any of the BHIM UPI–App. So, Each linked bank account would have its own UPI PIN. It is used whenver you send money or check balance through a UPI app. It works only on UPI apps or *99# banking.
Full Form of the UPI PIN
The full form or UPI PIN is Unified Payment Interface Personal Identification Number.
Apps which Use this PIN
Following apps use the UPI PIN for authentication of fund transfer. I am listing only the big apps.
Why a New PIN
This is necessary to make the BHIM or any UPI app secure. You would agree that there should be a PIN before the final approval of the payment. The mobile wallets do not require such PIN, hence they are less secure.
Read: How much Can you Trasnfer Through BHIM?
Because of the UPI PIN, any other person can’t transfer money in case you have lost the smartphone. The app of your phone would ask for the UPI PIN which would be confidential to you. Besides this, Many UPI apps also ask a passcode before opening the app. Thus it gives you double security.
Also Read: Security of Tez App
In coming days, your fingerprints may replace this PIN. However, for that, you must have a fingerprint scanner phone or device. You may have used fingerprint authentication with the imobile app of ICICI Bank. Nowadays Phonepe also used the finger print verification.
UPI Transaction Limit of UPI and Other Banks
How To Reset/ Create UPI PIN
When you first time link a bank account to a app such as Phonepe, Google Pay, or Paytm, you have to create a UPI PIN. The process of first time creation and resetting of UPI PIN is the same. To reset the PIN, you must have the following information/things.
- Last 6 digits of your debit card
- Validity Date of your Debit card
- Access to the Mobile number which is linked to your bank account.
Once, you have the above details and mobile phone, you can proceed to reset. To show you the step by step method, I have taken the example of Phonepe.
How To Change UPI PIN Without the ATM Card
Steps to Reset UPI PIN through Phonepe
Learn step by step process of UPI PIN Resetting. The process is similar for Google Pay, Paytm, BHIM and SBI Pay.
- Reach To Bank Account Section
Open the UPI App (Paytm, Google Pay, phonepe) App and go to the Home Page. In the phonepe, you should Tap on the ‘My Money’. You can find this option at the bottom of the Home Page. For other apps, you should reach to the section where linked bank accounts are listed. - Choose Bank Account To Reset UPI PIN
Now you would see your linked Bank Account. There can be more than one account If you have linked them. Choose the bank account to which you want to reset the UPI PIN. Below Every bank account, you would see the option to CHANGE BHIM UPI PIN and RESET BHIM UPI PIN. Tap on the Reset BHIM UPI PIN. - Enter Debit Card Details
Now you have to enter the Debit card details in the Pop-up Box. Take out your debit card and enter the last 6 digits. As you may know that every debit card number has 16 digits.
Enter validity or expiry date of the debit card. It is written just below the debit card number. However, some SBI cards don’t have a validity date. In this case, you should enter 01/49. Tap on the ‘Continue’. - Enter New UPI PIN
Now, you would see a field for the OTP and new UPI PIN. The Phonepe System itself detect the OTP sent to your mobile number. Hence, you are not required to enter it. Once, you see that OTP is filled automatically, enter the desired 4/6 digit UPI PIN. Most of the banks
require 4 digit UPI PIN. You have to enter the new UPI PIN again to confirm it. Tap on the submit. - UPI PIN Reset Complete
This completes the Reset Process of UPI PIN, you would see a successful UPI PIN Reset message in the screen. The message disappears after few seconds. You may also receive an SMS from the bank in this regard.
How To Change PIN
Changing UPI PIN is quite easy. As it requires less information. To Change it, you have to only enter the existing UPI PIN. On the basis of existing PIN, you can set the new PIN.
1- Open the UPI App home page and go to bank account Section.
2- Tap on the Change BHIM UPI PIN, written at the bottom of your bank account detail. If there is more than one bank account, choose the account carefully.
3- Now, you have to enter the existing and New UPI PIN both. Confirm by entering it again. That’s it. You would see the success message on your screen.
UPI PIN in USSD banking
Just after the launch of BHIM app, BHIM USSD banking also changed. It has become simpler. Now there are new options. Instead of the term MPIN, now we can see the term UPI PIN. When you dial the *99#, you would see 7 options. The last option is for this PIN.
You can also reset and change the UPI PIN through the USSD banking. To Reset the PIN, you have to give the debit card details and enter the OTP. Changing the PIN in USSD is as easy as in the app. You must know that USSD banking works with feature phone without the internet.
UPI PIN, set through the USSD banking, can be used in the BHIM as well. Similarly, PIN set in the app can be also used for USSD transactions.
Further Reading – What is Contact-less Usage of Cards
FAQ
What if I enter the wrong PIN?
No problem, the app will prompt you to re-enter the correct PIN. Normally banks allow maximum 3 tries of PIN. After 3 wrong consecutive PINs, Your UPI PIN gets locked. It opens after 24 hours. Meanwhile, you can reset the PIN.
Does BHIM store my UPI PIN? How secure is it?
Bharat Interface for Money does not store or read your PIN details and your bank’s customer support will never ask for it.
Should I tell UPI PIN to the bank executive?
Never! you should not tell UPI PIN what if the bank manager asks. Please do not share your PIN with anyone.
What if my UPI PIN does not Work?
If BHIM app is not accepting your correct PIN you can contact customer care to resolve the issue.
Ha
सर मेरा upi पिन रीसेट नहीं हो रहा है मै reset करता हूं तो एटीएम पिन आता है उसके डालने के बाद पिन बनाते है तो गलत बता देता है
Can i reset the bhim upi pin in paytm app if so u suggest me
सर मेरा upi पिन रीसेट नहीं हो रहा है मै करू करता हूं तो एटीएम पिन आता है उसके डालने के बाद पिन बनाते है तो गलत बता देता है
Toll free number not working ,Dear team
From many days i try to login my app but showing password error, after i do forgot password , app want my account number , i write a/c number and than submit but apps shows try again try again.
Pls do the needful. your helpline number is not working. many time i call but not connected . i call on you 14444
Nice
Your helpful articles
Very nice and descriptive article , really helped.
It does not ask ATM PIN. Please check whether you are using original App.
After otp it questions for atm pin and when i fulfill, show wrong. Atm pin mean? Please answer me
Plz sir/medam UPI costumer care help line numbera in kannada
Call to the customer care of your bank.
When I set UPI pin after giving the last 6 digit of debit card and it’s expiry date it shows your debit card details are wrong. Why it is? Then ,how can I set my pin
Getting OTP for setting UPI PIN for the first time..but not able to submit it..Screen with OTP remains as it is..submission not possible for both BHIM SBI pay and Google pay app..pls help
When I set UPI pin after giving the last 6 digit of debit card and it’s expiry date it shows your debit card details are wrong. Why it is? Then ,how can I set my pen
बाल-बाल बच गए आप ! अपने मोबाइल पर आए ओटीपी या कोड को कभी किसी से शेयर नहीं करें। फिर चाहे वो रिजर्व बैंक के गवर्नर ही क्यों ना हों।
Some one cl me and asked me about my bank details and give me some massage which is Code nd told me this msg send me back at my other no. And I do it then 6 digit OTP generated so he again told me to give him OTP but then I don’t give him
I have given the last six digits from my rupay card but i couldn’t get the otp.. What should i do?
The system is managed by the NPCI. And NPCI is formed by the major banks of India. The RBI also supervises the NPCI.
You can’t create a UPI PIN without the debit card.
IS BHIM UPI UNDER CENTRAL GOVERNMENT SYSTEM OR PRIVATE?
I’ve no debit card with using account details to create upi wht process
Unable to setup UPIN. Showing error as ” wrong debit card details.
Try another day
I am not able to get my otp
Upi otp not received
Please help me
after entering the last 6 digit and exp. date of my card and when creating the upi pin A screen pops up “Oops! Something went wrong. Try again.”
i have tried more than 20 times, Otp comes from bank but i have no place to enter! help
I have given the last six digits from my rupay card but i couldn’t get the otp.. What should i do?
I even tried after a month also…
But its still the same msg displaying..
Failed to generate upi pin after thousand times trying. No call centres to resolve the issue. Bogus application
Whenever I try to set UPI pin.msg appears as wrong debit card details.I am trying to set it from last 1 month even I am using the same debit card without any problem.but Bhim app is not fetching my debit card. I’M Using yes bank rupay card
Whenever I try to set UPI pin.msg appears as wrong debit card details.I am trying to set it from last 1 month even I am using the same debit card without any problem.but Bhim app is not fetching my debit card. I’M Using hdfc master card
My payment was debited but payment was failed so any one can help
I am having a new debit card. The older debit card has expired and BHIM -UPI is not accepting new debit card details.
Please help
Not possible with out a debit card
Contact to branch or evaluate the whole issue . Is card working in ATMs
Just delete the bank account . And add it again with having registered mobile no.
By taking guidance from your post, I have successfully setup my upi. Thanks.
You can contact to the debit card issuing bank.
wrong debit card details error. is any one have solution for this???????
Whenever I try to set UPI pin.msg appears as wrong debit card details.I am trying to set it from a month even I am using the same debit card without any problem.but Bhim app is not fetching my debit card. I’M Using hdfc visa card
Whenever I try to set UPI pin.msg appears as wrong debit card details.I am trying to set it from a month even I am using the same debit card without any problem.but Bhim app is not fetching my debit card. I’M Using hdfc visa card
I link my HDFC account with PAYTM BHIM UPI.
Now i forgot the UPIN and cannot reset as it says Limit exceed for PIN.
Now how do i reset my PIN.
Sir. I donot have a debit card. How can i set a upi pin for my sbi account
Try After 24 hours
What is your specific problem? Try the above steps.
I forgot my upi pin and my pin is not regenerate please help
I forgot to set the upi pin after a while I tried to set again but it showed exceed attempts. what should I do?
I forgot my upi pin and then I am very frustrate last 2 month bcz my pin is not regenerate plz help
August 13, 2018 at 9:50 PM
Whenever I try to set UPI pin.msg appears as wrong debit card details.I am trying to set it from last 1 month even I am using the same debit card without any problem.but Bhim app is not fetching my debit card. I’M Using hdfc master card
Whenever I try to set UPI pin.i get a msg as wrong debit card details.I am trying to set it from so long, Bhim app is not fetching my debit card details. I’M Using hdfc master card, please resolve this asap
same problem I still face, no support, no guide, no root at this issue. this is bank management problem. stupid fellows.
Last 6 digit of my tjsb atm card are not recognized.
Shame condition, i am also trying since last one month
Whenever I try to set UPI pin.msg appears as wrong debit card details.I am trying to set it from last 1 month even I am using the same debit card without any problem.but Bhim app is not fetching my debit card. I’M Using hdfc master card
WHEN I SELECT FOR UPI PIN ALL THE DETAILS FILLED CORECTLY BUT IT SHOWING SOME ERROR IM TRYING FOR LAST 1 MONTH
Whenever I try to set UPI pin.msg appears as wrong debit card details.I am trying to set it from 2-3 days even I am using the same debit card without any problem.but Bhim app is not fetching my debit card.
Same issue, Are you using hdfc mastercard?
Any sucess with reseting UPI pin?
Whenever I try to set UPI pin.msg appears as wrong debit card details.I am trying to set it from last 1 month even I am using the same debit card without any problem.but Bhim app is not fetching my debit card.
I can not generate you pin.after done.all procedure you told.after getting 6 digit password from my bank.i put my koi pin but after this .there is error.and note.coudnot change hai pin.please help me.
For set my UPI thru kvb ,from kvb i am getting 8 digit otp but here only six digit option was there how can i feed this otp and set upi
I cant generate upi pin with my account after selection of my bank its reached starting position
Regenerate pass code not work
I want to new pin