Linkage to Bank Account<\/strong><\/td>\n| It is linked to the bank account enabled through UPI.<\/td>\n | It is linked to the debit or credit card.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/span>Why Keeping Your UPI PIN Confidential is Crucial<\/strong><\/span><\/h3>\nYour UPI PIN acts as the barrier between any unauthorized access to your bank account. If someone gets access to your UPI PIN, they can easily make transactions without even you knowing. Know why it is essential to keep your UPI PIN confidential:<\/p>\n \n- Protects your bank account from fraud and any unauthorized access<\/li>\n
- Protection from scammers<\/li>\n
- Ensures secured digital transactions<\/li>\n<\/ul>\n
<\/span>How UPI PIN Works as a Security Feature<\/strong><\/span><\/h3>\nThe UPI PIN serves as an important security layer to verify the identity of the account holders before processing every transaction. This is the actual process of how UPI PIN works and ensures that each transaction is completed securely:<\/p>\n \n- User Authentication:<\/strong> Before completing the UPI payment, you are asked to enter the UPI PIN to confirm the transaction. This ensures user authentication and the security of every payment.<\/li>\n
- Prevention of Unauthorized Transactions: <\/strong>Without access to your correct UPI PIN, no one will be able to access your account or make any transaction. Thus, you are advised never to share your UPI PIN. Even if your phone gets stolen, no one will be able to make any transactions.<\/li>\n
- End-to-End Encryption:<\/strong> UPI transactions are encrypted, which ensures that your PIN is not stored anywhere and is not exposed during transitions.<\/li>\n<\/ul>\n
<\/span>How to Set or Generate a UPI PIN? <\/strong><\/span><\/h2>\nSetting your UPI PIN is easy. It allows you to initiate transactions and payments through UPI. The steps to generate the UPI PIN remain the same for all the UPI-enabled apps, whether you are using Google Pay, PhonePe, Paytm, or BHIM UPI. You can follow these steps to set your UPI PIN on all these apps:<\/p>\n <\/span>Step 1: Install your preferred UPI payment app<\/strong><\/span><\/h4>\nInstall the UPI app you prefer, such as Google Pay, PhonePe, BHIM UPI (the Official NPCI app), Paytm, Amazon Pay, or your bank\u2019s mobile banking app.<\/p>\n <\/span>Step 2: Link your bank account to the app<\/strong><\/span><\/h4>\nAfter the app is installed, register using the mobile number linked to your bank account. Enter your bank name and the registered mobile number, and the app will automatically fetch your bank details.<\/p>\n <\/span>Step 3: Input debit card details<\/strong><\/span><\/h4>\nThe app will require some details to verify your bank account:<\/p>\n \n- \n
\n- The last six digits of the debit card<\/li>\n
- The expiry date of your card<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
<\/span>Step 4: Receive OTP and verify your identity<\/strong><\/span><\/h4>\nThe bank will verify by sending a One-Time Password (OTP) to the registered mobile number. Use this OTP to continue the process of PIN setup.<\/p>\n <\/span>Step 5: Create a secure four or 6-digit UPI PIN\u00a0 <\/strong><\/span><\/h4>\nSet a UPI PIN of four or six digits. The PIN should be unique, easy to memories, but hard to guess by any other person. Avoid setting simple combinations as your PIN like 1111, 1234, or 4444 and also easy to guess such as your birthdate. The app will ask you to re-enter the PIN to confirm it.<\/p>\n After completing all these steps, you have successfully set your UPI PIN. You can now use it to authorize transactions. It’s your responsibility to keep this PIN confidential, not to anyone, even if they are claiming to be from your bank or payment services.<\/p>\n <\/span>How to Reset a UPI PIN <\/strong><\/span><\/h2>\nIf you cannot recall your UPI PIN, the UPI-enabled app provides you with the opportunity to reset it by following some simple steps. Here are the steps you can use to reset your UPI PIN and restore access to your UPI transactions.<\/p>\n <\/span>Step 1: Open Your UPI-Enabled App<\/strong><\/span><\/h4>\nOpen the UPI app that you are registered in like Google Pay, BHIM or PhonePe. On your mobile phone.<\/p>\n <\/span>Step 2: Go to the \u201cBank Account\u201d or \u201cSettings\u201d section<\/strong><\/span><\/h4>\nLocate the \u201cBank Account\u201d section in the \u201cSettings\u201d section within the app. There, you will find the list of linked bank accounts.<\/p>\n <\/span>Step 3: Select \u201cForgot UPI PIN\u201d<\/strong><\/span><\/h4>\nChoose the bank account for which you want to reset the UPI PIN and click on the \u201cForgot UPI PIN\u201d or \u201cResets UPI PIN\u201d option to start the process of resetting.<\/p>\n <\/span>Step 4: Validate Your Bank Account with Debit Card Credentials<\/strong><\/span><\/h4>\nThe app will need to validate the bank account details. To verify your identity, enter these details:<\/p>\n \n- \n
\n- The Last six digits of your debit card.<\/li>\n
- The expiry date of your debit card.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
<\/span>Step 5: Enter a New UPI PIN<\/strong> |