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UPI Payments- Google Pay, Phonepe, Paytm, UPI PIN, UPI ID

All About Payments in India

What is UPI PIN | How To Create and Reset UPI PIN

By Chandrakant Mishra | Published On March 31, 2020

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.

UPI PIN

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 MeansFirst AuthenticationSecond Authentication
ATMYour Own Debit CardATM PIN
ChequeCheque Leaf from your own Cheque BookSignature
Net BankingUser ID and PasswordOTP or Debit card Grid
Card PaymentYour Own CardATM PIN or OTP
UPI AppsYour Registered Mobile NumberUPI 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.

  • BHIM App
  • Paytm
  • Google Pay
  • PhonePe
  • BHIM SBI Pay
  • BHIM PNB

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.

  1. Reach To Bank Account Section
    Bank Account Section of UPI App


    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.

  2. Choose Bank Account To Reset UPI PIN
    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.

  3. Enter Debit Card Details
    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’.

  4. Enter New UPI PIN
    Reset 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.

  5. UPI PIN Reset Complete
    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

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 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.

Filed Under: UPI- Unified Payment Interface

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. arundevda (No) says

    April 10, 2020 at 9:41 PM

    Ha

  2. Satendra (Gwalior ) says

    January 31, 2020 at 2:11 PM

    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

  3. Nirbhay Vishvakarma (Azamgarh) says

    November 15, 2019 at 7:42 AM

    Can i reset the bhim upi pin in paytm app if so u suggest me

  4. Aman Pratap Singh (fatehpur) says

    November 15, 2019 at 12:03 AM

    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

  5. hussain (surat) says

    November 7, 2019 at 11:06 AM

    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

  6. Umesh (Pune) says

    July 7, 2019 at 6:13 AM

    Nice
    Your helpful articles

  7. Neha (Pune) says

    June 20, 2019 at 1:59 PM

    Very nice and descriptive article , really helped.

  8. Chandrakant Mishra says

    May 17, 2019 at 10:57 AM

    It does not ask ATM PIN. Please check whether you are using original App.

  9. Avkash (Jaunpur) says

    May 12, 2019 at 2:32 PM

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

  10. Sanju a b (Mandya) says

    April 15, 2019 at 6:32 PM

    Plz sir/medam UPI costumer care help line numbera in kannada

  11. Chandrakant Mishra says

    February 6, 2019 at 9:32 PM

    Call to the customer care of your bank.

  12. AMOL (Pune.) says

    February 6, 2019 at 7:58 PM

    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

  13. aaRATI (Mumbai) says

    January 10, 2019 at 12:09 PM

    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

  14. Rekha (Kozhikode) says

    January 3, 2019 at 12:06 AM

    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

  15. Chandrakant Mishra says

    December 15, 2018 at 10:27 AM

    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।

  16. Saniya jamil (Lucknow) says

    December 15, 2018 at 9:12 AM

    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

  17. Rohit Kumar (PATNA) says

    December 14, 2018 at 4:34 AM

    I have given the last six digits from my rupay card but i couldn’t get the otp.. What should i do?

  18. Chandrakant Mishra says

    November 7, 2018 at 6:06 AM

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

  19. Chandrakant Mishra says

    November 7, 2018 at 5:44 AM

    You can’t create a UPI PIN without the debit card.

  20. PAPAY PRATIHAR says

    November 6, 2018 at 9:58 PM

    IS BHIM UPI UNDER CENTRAL GOVERNMENT SYSTEM OR PRIVATE?

  21. Prasanth bachan says

    November 6, 2018 at 12:51 PM

    I’ve no debit card with using account details to create upi wht process

  22. Roopa says

    November 4, 2018 at 11:01 PM

    Unable to setup UPIN. Showing error as ” wrong debit card details.

  23. Chandrakant Mishra says

    October 28, 2018 at 8:54 AM

    Try another day

  24. Manmadha says

    October 28, 2018 at 5:09 AM

    I am not able to get my otp
    Upi otp not received
    Please help me

  25. keisam ulen says

    October 25, 2018 at 10:00 AM

    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

  26. Jerome says

    October 21, 2018 at 11:54 PM

    I have given the last six digits from my rupay card but i couldn’t get the otp.. What should i do?

  27. Sridhar says

    October 21, 2018 at 8:27 AM

    I even tried after a month also…
    But its still the same msg displaying..

  28. Himanshu Gupta says

    October 20, 2018 at 9:48 PM

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

  29. Srijana rai says

    October 10, 2018 at 4:12 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 yes bank rupay card

  30. Sandeep says

    October 5, 2018 at 8:39 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

  31. Mohammed shahzama says

    October 4, 2018 at 12:14 AM

    My payment was debited but payment was failed so any one can help

  32. Monalisa Moitra says

    September 15, 2018 at 4:02 PM

    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

  33. ErFkhan says

    September 12, 2018 at 11:34 PM

    Not possible with out a debit card

  34. ErFkhan says

    September 12, 2018 at 11:33 PM

    Contact to branch or evaluate the whole issue . Is card working in ATMs

  35. ErFkhan says

    September 12, 2018 at 11:30 PM

    Just delete the bank account . And add it again with having registered mobile no.

  36. Parmeet Bhamra says

    September 12, 2018 at 5:22 PM

    By taking guidance from your post, I have successfully setup my upi. Thanks.

  37. Chandrakant Mishra says

    September 11, 2018 at 8:01 AM

    You can contact to the debit card issuing bank.

  38. Gaurav Rawat says

    September 9, 2018 at 2:12 PM

    wrong debit card details error. is any one have solution for this???????

  39. Mohit Gera says

    September 9, 2018 at 1:16 AM

    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

  40. Mohit Gera says

    September 9, 2018 at 1:03 AM

    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

  41. Ketul Patel says

    September 6, 2018 at 9:21 AM

    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.

  42. Thejas P says

    September 3, 2018 at 11:38 AM

    Sir. I donot have a debit card. How can i set a upi pin for my sbi account

  43. Chandrakant Mishra says

    September 2, 2018 at 9:33 AM

    Try After 24 hours

  44. Chandrakant Mishra says

    September 2, 2018 at 9:31 AM

    What is your specific problem? Try the above steps.

  45. Ankushrao Shankarrao Raskar says

    September 1, 2018 at 6:58 PM

    I forgot my upi pin and my pin is not regenerate please help

  46. Vijay gurung says

    August 28, 2018 at 9:52 AM

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

  47. Pawan says

    August 25, 2018 at 11:38 PM

    I forgot my upi pin and then I am very frustrate last 2 month bcz my pin is not regenerate plz help

  48. Ankita says

    August 24, 2018 at 7:20 PM

    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

  49. Yashu says

    August 24, 2018 at 11:57 AM

    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

  50. valavala prasad says

    August 24, 2018 at 12:07 AM

    same problem I still face, no support, no guide, no root at this issue. this is bank management problem. stupid fellows.

  51. Karishma says

    August 23, 2018 at 12:09 PM

    Last 6 digit of my tjsb atm card are not recognized.

  52. Anil says

    August 21, 2018 at 4:16 PM

    Shame condition, i am also trying since last one month

  53. Yogesh Gaikwad says

    August 20, 2018 at 7:11 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

  54. SANGAMESH says

    August 14, 2018 at 1:31 PM

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

  55. Tejaswini Khobragade says

    August 11, 2018 at 7:25 AM

    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.

  56. Aniket says

    August 10, 2018 at 10:34 AM

    Same issue, Are you using hdfc mastercard?
    Any sucess with reseting UPI pin?

  57. Digvijay says

    July 30, 2018 at 6:50 AM

    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.

  58. Rajendrasing s katyar says

    July 29, 2018 at 12:01 AM

    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.

  59. T Gurusamy says

    July 27, 2018 at 11:40 PM

    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

  60. Anurag Rathore says

    July 18, 2018 at 1:01 PM

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

  61. Sabbiralisk says

    July 14, 2018 at 6:57 PM

    Regenerate pass code not work

  62. Sabbiralisk says

    July 14, 2018 at 1:00 PM

    I want to new pin

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