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UPI PIN: How To Create and Change

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You would have to deal with the UPI pin if you are using the UPI Apps. Often, you forget the UPI PIN and want to know the process of Reset. Even you may need to change the existing UPI PIN as someone has known it. So In this post, I would tell you method of UPI PIN Reset and Change. Along with than you would also learn some useful information about this crucial number.

UPI PIN

What is UPI PIN

UPI PIN is the key to your bank account when you make a payment through the UPI App. Unless you enter the UPI PIN, the fund transfer would not take place. It is just like the ATM PIN. So Be careful about it.

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. This PIN is used whenver you send money or check balance through a UPI app. This PIN works only on UPI apps or *99# banking. 

Full Form of the UPI PIN

The UPI PIN is made up of two terms UPI and PIN. Thus the full form of the UPI PIN would be the full form of these two terms. Therefore the full form or UPI PIN is Unified Payment Interface Personal Identification Number.

Apps which Use UPI PIN

Following BHIM UPI apps use the UPIN PIN for authentication of fund transfer. I am listing only the big apps.

Why a New PIN

UPI PIN 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 mobie 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 UPI 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 would replace the UPI 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.

How To Reset/ Create UPI PIN

When you first time link a bank account to UPI 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 UPI 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 the UPI PIN. To show you the step by step method, I have taken the example of Phonepe.

learn step by step process of UPI PIN Resetting. The process is simlar to the Google Pay, Paytm, BHIM and SBI Pay.

  1. 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. Bank Account Section of UPI App

  2. 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. Reset UPI PIN

  3. 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’. debit card details

  4. 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. Reset UPI PIN

  5. 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.
    UPI PIN Reset Complete

How To Change UPI PIN

Changing UPI PIN is quite easy. As it requires less information. To Change UPI PIN of a bank account, you have to only enter the existing UPI PIN. On the basis of existing UPI PIN, you can set the new UPI 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 UPI PIN and New UPI PIN both. Confirm the new UPI PIN by entering it again. That’s it. You would see the success message on your screen.

UPI PIN in USSD banking

UPI PIN 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 UPI 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 UPI PIN is as easy as in the UPI 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, UPI PIN set in the UPI app can be also used for USSD transactions.

FAQ on UPI PIN

What if I enter the wrong UPI PIN?

No problem, the app will prompt you to re-enter the correct UPI-PIN. Normally banks allow maximum 3 tries of UPI PIN. After 3 wrong consecutive UPI PINs, Your UPI PIN gets locked. It opens after 24 hours. Meanwhile, you can reset the PIN.

Also Read: How To Set UPI PIN Tez App

Does BHIM store my UPI PIN? How secure is it?

Bharat Interface for Money does not store or read your UPI-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 UPI-PIN with anyone.

What if my UPI PIN does not Work?

If BHIM app is not accepting your correct UPI PIN you can contact customer care to resolve the issue.

About Chandrakant Mishra

Chandrakant Mishra is the Founder-Editor of the upipayments.co.in and PlanMoneyTax.Com. He has written more than 600 articles on payments, tax, investment, insurance and saving. He has been associated with the CNBC Aawaz Business Channel as Assistant Editor.

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Reader Interactions

Comments

  1. hussain (surat) says

    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

    Reply

  4. Avkash (Jaunpur) says

    After otp it questions for atm pin and when i fulfill, show wrong. Atm pin mean? Please answer me

    Reply

  6. AMOL (Pune.) says

    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

    Reply

  7. aaRATI (Mumbai) says

    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

    Reply

  8. Rekha (Kozhikode) says

    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

    Reply

  9. Saniya jamil (Lucknow) says

    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

    Reply

    • Chandrakant Mishra says

      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।

      Reply

    • Chandrakant Mishra says

      The system is managed by the NPCI. And NPCI is formed by the major banks of India. The RBI also supervises the NPCI.

      Reply

  15. keisam ulen says

    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

    Reply

  17. Himanshu Gupta says

    Failed to generate upi pin after thousand times trying. No call centres to resolve the issue. Bogus application

    Reply

  18. Srijana rai says

    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

    Reply

  19. Sandeep says

    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

    Reply

  21. Monalisa Moitra says

    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

    Reply

  24. Mohit Gera says

    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

    Reply

  25. Ketul Patel says

    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.

    Reply

  28. Vijay gurung says

    I forgot to set the upi pin after a while I tried to set again but it showed exceed attempts. what should I do?

    Reply

  30. Yashu says

    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

    Reply

  32. Yogesh Gaikwad says

    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

    Reply

  33. SANGAMESH says

    WHEN I SELECT FOR UPI PIN ALL THE DETAILS FILLED CORECTLY BUT IT SHOWING SOME ERROR IM TRYING FOR LAST 1 MONTH

    Reply

  34. Tejaswini Khobragade says

    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.

    Reply

  35. Digvijay says

    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.

    Reply

      • Ankita says

        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

        Reply

    • Mohit Gera says

      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

      Reply

  36. Rajendrasing s katyar says

    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.

    Reply

  37. T Gurusamy says

    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

    Reply

  38. Anurag Rathore says

    I cant generate upi pin with my account after selection of my bank its reached starting position

    Reply

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