Sometimes small things creates problem. For example if you have not remembered the UPI PIN, you would not be able to make payment through the Paytm or any other UPI app.
But in the beginning, often people don’t care about it. Or you may have forgot that. Don’t worry, the process to set or reset the UPI PIN is very easy. As you know that UPI system has a very simple interface.
But before going into the step by step process of UPI PIN Set and change, I would like to tell you some important fact about it. It would be helpful to you in the long term.

3 Most Important Facts About the UPI PIN
I have listed the five most important facts about the UPI PIN. It is applicable in Paytm and other apps as well. lets quickly go through it.
1. UPI PIN is Mandatory for Debit
UPI PIN is a 4-6 digit number. You have to enter this number to make a payment through the UPI App.
This number is set by you. No one else should know about it. You should also not share it.
The UPI PIN is similar to the ATM PIN. But It is only used in the UPI Apps. Paytm, Phonepe, Google Pay, SBI Pay etc are the UPI apps. You need this PIN to use all these apps.
2. Linked to Bank Account
The UPI PIN is the key to your bank account. Thus it is linked to the account only. Every bank account has only one UPI PIN at a time.
The UPI PIN of a bank account remains same irrespective of the UPI App. The UPI app only facilitates the setting and resetting of it.
Thus the same number can be used in Paytm, Phonepe, or any UPI App for the same bank account.
How To Link bank account in UPI Apps
3. Different PIN for Different Bank Account
As I have said every bank account would have its own UPI PIN. Therefore, if you have linked more than one bank account in your Paytm app, you have to set different PIN for them.
However, you can set same PIN for the different bank account. There would not be an issue. But for the sake of safety, you must have different personal identification number (PIN).
If you want to learn more about the UPI Payment system you can read my another post. In this post, I am telling you only the steps to set and change UPI PIN
Recommended- 4 best uses of UPI ID
Process to Set UPI PIN in Paytm
Paytm is one of the most popular UPI app. But it is not very user friendly app for the UPI functions. That is why often people struggle to find the link to change UPI PIN. But, I would tell you the shortest route.
You should note that the process is same whether you are setting a new PIN or resetting a forgot PIN. The Changing of old PIN is also almost same.
Note, You must have an active debit card to set or reset a new UPI PIN. The debit card details are required to set it. However, you can change it without the debit card.
To Set UPI PIN In Phonepe, you should read my another post
1. Go to UPI Money Transfer Page
So, open your Paytm App. You would see the UPI Money Transfer option in blue band. Tap on that. The next page lists the recent payees. You can also make payment from this page.
3. Head to UPI Settings Page
But, you have to look at top right corner. There you would find the settings icon. Tap on that.


After tapping, you would see the UPI Related services at one place. you would also see the linked bank accounts.
3. Choose Bank Account
Now tap on the bank account number for which you want to change the PIN. There can be more than one account.
The UPI system permits you to link many accounts which have the same mobile number. So Choose the correct bank account number.
4. Tap on Create New UPI PIN
As you tap on the chosen bank account, You would see 2-3 options. Among these tap on the Create New UPI PIN. The same link is also used to reset or change the PIN.


5. Enter Debit Card Details
In the next page you have to enter your debit card details. In the given box, enter the last six digits of your debit card.
Along with that, enter the month and year of your card expiry date. As you submit these details. New page opens.
How To Change UPI PIN Without the ATM Card
6. Set New UPI PIN
In this page you can set your new UPI PIN. But before that, you have to enter the OTP. The system would have sent an One time password to the registered mobile number. You have to enter the new UPI PIN twice.


It completes the process of setting a new UPI PIN. The same process can be used if you have forgot the PIN and want to reset it.
UPI Money Transfer Limit of Paytm and other Apps
How To Change UPI PIN
Friends! Changing the UPI PIN is easier than setting. As it does not require the debit card details. You can easily change it, if you know the existing one.
- To perform this task, you have to reach upto the page where you have to enter the debit card details. Refer to the steps, I have mentioned above.
- In this page don’t enter the debit card details, Rather, tap on the link “I Remember my old UPI PIN” .
- In the next page, you have to enter your old and new PIN both. It changes your PIN.


So, in this post I have told you the method to set, Reset and change the UPI PIN through the Paytm. You can change your PIN easily through other apps as well.
For that you have to reach the page where all the bank accounts are listed. You would find the option to change or set UPI PIN along with the bank account. If not, tap on the bank account.
Further, you would find the option to set UPI PIN. Follow the the instruction given above. You would able to change the PIN.
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