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
Topics
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
- 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.
- 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 afterfew seconds. You may also receive an SMS from the bank in this regard.
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
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.
Avkash (Jaunpur) says
May 12, 2019 at 2:32 PMAfter otp it questions for atm pin and when i fulfill, show wrong. Atm pin mean? Please answer me
Chandrakant Mishra says
May 17, 2019 at 10:57 AMIt does not ask ATM PIN. Please check whether you are using original App.
Sanju a b (Mandya) says
April 15, 2019 at 6:32 PMPlz sir/medam UPI costumer care help line numbera in kannada
AMOL (Pune.) says
February 6, 2019 at 7:58 PMWhen 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
Chandrakant Mishra says
February 6, 2019 at 9:32 PMCall to the customer care of your bank.
aaRATI (Mumbai) says
January 10, 2019 at 12:09 PMGetting 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
Rekha (Kozhikode) says
January 3, 2019 at 12:06 AMWhen 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
Saniya jamil (Lucknow) says
December 15, 2018 at 9:12 AMSome 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
Chandrakant Mishra says
December 15, 2018 at 10:27 AMबाल-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।
Rohit Kumar (PATNA) says
December 14, 2018 at 4:34 AMI have given the last six digits from my rupay card but i couldn’t get the otp.. What should i do?
PAPAY PRATIHAR says
November 6, 2018 at 9:58 PMIS BHIM UPI UNDER CENTRAL GOVERNMENT SYSTEM OR PRIVATE?
Chandrakant Mishra says
November 7, 2018 at 6:06 AMThe system is managed by the NPCI. And NPCI is formed by the major banks of India. The RBI also supervises the NPCI.
Prasanth bachan says
November 6, 2018 at 12:51 PMI’ve no debit card with using account details to create upi wht process
Chandrakant Mishra says
November 7, 2018 at 5:44 AMYou can’t create a UPI PIN without the debit card.
Roopa says
November 4, 2018 at 11:01 PMUnable to setup UPIN. Showing error as ” wrong debit card details.
Manmadha says
October 28, 2018 at 5:09 AMI am not able to get my otp
Upi otp not received
Please help me
keisam ulen says
October 25, 2018 at 10:00 AMafter 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
Jerome says
October 21, 2018 at 11:54 PMI have given the last six digits from my rupay card but i couldn’t get the otp.. What should i do?
Chandrakant Mishra says
October 28, 2018 at 8:54 AMTry another day
Himanshu Gupta says
October 20, 2018 at 9:48 PMFailed to generate upi pin after thousand times trying. No call centres to resolve the issue. Bogus application
Srijana rai says
October 10, 2018 at 4:12 PMWhenever 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
Sandeep says
October 5, 2018 at 8:39 PMWhenever 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
Mohammed shahzama says
October 4, 2018 at 12:14 AMMy payment was debited but payment was failed so any one can help
Monalisa Moitra says
September 15, 2018 at 4:02 PMI am having a new debit card. The older debit card has expired and BHIM -UPI is not accepting new debit card details.
Please help
Parmeet Bhamra says
September 12, 2018 at 5:22 PMBy taking guidance from your post, I have successfully setup my upi. Thanks.
Gaurav Rawat says
September 9, 2018 at 2:12 PMwrong debit card details error. is any one have solution for this???????
ErFkhan says
September 12, 2018 at 11:33 PMContact to branch or evaluate the whole issue . Is card working in ATMs
Mohit Gera says
September 9, 2018 at 1:03 AMWhenever 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
Ketul Patel says
September 6, 2018 at 9:21 AMI 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.
Thejas P says
September 3, 2018 at 11:38 AMSir. I donot have a debit card. How can i set a upi pin for my sbi account
ErFkhan says
September 12, 2018 at 11:34 PMNot possible with out a debit card
Ankushrao Shankarrao Raskar says
September 1, 2018 at 6:58 PMI forgot my upi pin and my pin is not regenerate please help
Chandrakant Mishra says
September 2, 2018 at 9:31 AMWhat is your specific problem? Try the above steps.
Vijay gurung says
August 28, 2018 at 9:52 AMI forgot to set the upi pin after a while I tried to set again but it showed exceed attempts. what should I do?
Chandrakant Mishra says
September 2, 2018 at 9:33 AMTry After 24 hours
Sridhar says
October 21, 2018 at 8:27 AMI even tried after a month also…
But its still the same msg displaying..
Pawan says
August 25, 2018 at 11:38 PMI forgot my upi pin and then I am very frustrate last 2 month bcz my pin is not regenerate plz help
ErFkhan says
September 12, 2018 at 11:30 PMJust delete the bank account . And add it again with having registered mobile no.
Yashu says
August 24, 2018 at 11:57 AMWhenever 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
Karishma says
August 23, 2018 at 12:09 PMLast 6 digit of my tjsb atm card are not recognized.
Yogesh Gaikwad says
August 20, 2018 at 7:11 PMWhenever 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
SANGAMESH says
August 14, 2018 at 1:31 PMWHEN I SELECT FOR UPI PIN ALL THE DETAILS FILLED CORECTLY BUT IT SHOWING SOME ERROR IM TRYING FOR LAST 1 MONTH
Anil says
August 21, 2018 at 4:16 PMShame condition, i am also trying since last one month
valavala prasad says
August 24, 2018 at 12:07 AMsame problem I still face, no support, no guide, no root at this issue. this is bank management problem. stupid fellows.
Tejaswini Khobragade says
August 11, 2018 at 7:25 AMWhenever 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.
Digvijay says
July 30, 2018 at 6:50 AMWhenever 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.
Aniket says
August 10, 2018 at 10:34 AMSame issue, Are you using hdfc mastercard?
Any sucess with reseting UPI pin?
Ankita says
August 24, 2018 at 7:20 PMAugust 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
Mohit Gera says
September 9, 2018 at 1:16 AMWhenever 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
Chandrakant Mishra says
September 11, 2018 at 8:01 AMYou can contact to the debit card issuing bank.
Rajendrasing s katyar says
July 29, 2018 at 12:01 AMI 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.
T Gurusamy says
July 27, 2018 at 11:40 PMFor 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
Anurag Rathore says
July 18, 2018 at 1:01 PMI cant generate upi pin with my account after selection of my bank its reached starting position
Sabbiralisk says
July 14, 2018 at 6:57 PMRegenerate pass code not work
Sabbiralisk says
July 14, 2018 at 1:00 PMI want to new pin