Have you noticed how all ATMs require a PIN before it lets you withdraw money? Similarly, if you're using UPI to transfer funds from your bank account or make payments, you must enter your UPI PIN. Your UPI PIN is a self-chosen combination of numbers — unique to your bank account & it helps authenticate transactions.
UPI (Unified Payments Interface) is a payment system in India that allows you to transfer funds between bank accounts using only a UPI ID and a 4 to 6-digit UPI PIN. Developed by the National Payments Corporation of India (NPCI), UPI eliminates the need for complex information like IFSC codes, account numbers, or net banking credentials. An UPI ID acts as a unique virtual payment address for a bank account on the UPI platform and combines the account holder's name with a distinct identifier such as a phone number, following the format "name@bank".
Here's how you can reset your UPI PIN:
Here's how you can change your UPI PIN:
And you're all set.
UPI is a leading cashless solution that enables 24/7 fund transfers without sharing bank details. It's secure, with two-factor authentication, and allows linking of multiple bank accounts for seamless transactions. UPI also offers convenient bill payments and mobile recharges, reducing reliance on physical payment methods.
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Here's how you can change your UPI PIN:
No. You have to create your own UPI PIN. This makes it easy to remember.
To get an UPI PIN, sign up on apps like Fi Money, PhonePe, Paytm, or Google Pay. Once you link your bank, you will be asked to set up an UPI ID, post which you'll be asked for a secure UPI PIN of your choice.