January 3, 2025 · 18 mins read
Santosh Kumar
Imagine this: you're ready to make a quick payment on your favourite online store checkout page, buying that one thing you have eyed for weeks. Opening the UPI app in the most confident of fashions, only to forget the UPI PIN. How annoying is that? The UPI PIN is a simple yet incredibly powerful security feature that lets your digital payments be safe and seamless.
With the rapid growth of digital payment systems, one cannot overemphasize the importance of knowing how to reset your UPI PIN. Whether it's a forgotten PIN or being cautious for security reasons, you will get question like how can I reset my UPI PIN. This article covers everything you'll need to know about resetting your UPI PIN on various platforms, keeping your PIN secure, and avoiding mishaps in the future.
A UPI PIN, or Unified Payments Interface Personal Identification Number, is a specific 4 or 6-digit code that appears as a security gateway for validating UPI transactions. Whether you are transferring some cash, paying electricity bills, or any other online purchase, the PIN ensures that these operations can only be made from your own bank account.
These UPI PINs are asked to enter before confirming every transaction for enhanced security purposes. Therefore, these PINs need to be confidential. You might need to reset it if you have forgotten it or find it easily suspectable, detect any unauthorized activity with your UPI linked bank account or to maintain security, you can change it one in a while
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The UPI PIN is very important in securing digital transactions and ensuring smooth payment experiences. Here's a detailed look at its significance:
You need to authenticate every transaction you make through UPI with your UPI PIN. Be it sending money to your friend, paying for grocery items, or shopping online, the PIN ensures that you can only do these actions. It works as a gatekeeper; hence, it blocks illegal transactions and provides full authority for your digital payments.
The PIN is a straight lock to your account, being a very high form of security that ensures access will never be made, even when trying to access with access granted to your UPI App or device if unknown or not known at that end. This digital lock guards your money, making UPI transactions one of the most secure forms of online payments.
The special structure that UPI provides eliminates the need to insert long card details again or wait for OTPs every time. Instead, a single PIN simplifies the process and enables quick payments with complete safety. The balance of safety and convenience makes the UPI PIN an essential feature for modern digital banking.
Regardless of how sophisticated the UPI platforms are, transactions will not be executed in the absence of a PIN. This will apply two verification layers to each and every transaction, hence effectively reducing the chances of any fraudulent transactions or illegal entry.
Resetting your UPI PIN may be because of several scenarios that call for instant action to keep the security and usability of your UPI account intact. Let's delve into the situations in detail:
Forgetting your UPI PIN is one of the most common issues that the user faces. Among so many passwords, PINs, and security codes required for different accounts, forgetting can easily happen. Losing your PIN may be very frustrating, but recovering it is quite simple.
Suspected PIN Compromise: If you believe your UPI PIN is compromised, if any individual compromises that, reset it straight away. Online threats often lie in cyber attacks against electronic payment channels; therefore, precaution is vital.
Routine Security Measures: No matter even when there hasn't been an attack on your UPI PIN. Periodically change your PIN. A periodic update ensures that even when your PIN has leaked for unintentional reasons, at least it will not work any longer. Security Enhancement
Proactively changing your UPI PIN further secures your account. A new PIN with security best practices reduces the probability of an unauthorized transaction to a significant extent. This is especially crucial if you’ve used the same PIN across multiple accounts, as overlapping credentials can create vulnerabilities.
Read More:: How to create a UPI ID and UPI PIN?
Here are some of the common reasons of how people forget their UPI PIN:
1: It can be due to the less frequent usage of UPI apps and payments using UPI apps.
2: Or else, it can be due to the confusion of which UPI PIN is for this specific account when you have so many UPI PINs to remember.
3: Forgetting the PINs due to some stress or accidentally.
4: Resetting your mobile phones or devices and the UPI apps without proper backup can lead to setting up of new UPI PIN which you need to remember
You may reset your UPI PIN through various methods, including those of the app you are using and the kind of platform. Here are the step-by-step procedures for three popular methods to change your UPI PIN:
Debit card information is accepted everywhere, through most of the leading apps for UPI like Google Pay, PhonePe, Paytm, and BHIM.
Step-by-Step Procedure:
1: Open UPI App: Open your application for UPI and look for its "Settings" or "Bank Account." Click on Reset PIN: Tap on the "Reset PIN" option. This generally appears under security settings. Input Debit Card Detail: Enter the last six digits of the debit card related to your account and debit card expiry date.
2: OTP Validation: The system generates OTP on your registered Mobile No. Enter the generated OTP in the application.
3: Change New PIN: Get a new PIN, again re-enter the same, and save.
Let’s check how you can reset your UPI PIN using your Aadhar card information:
1: You need to open your UPI app.
2: Then, go to the section of linked bank account settings.
3: Now, you have to select the bank account for which you want to reset its UPI.
4: Then, choose the option of set/reset UPI Pin and select Aadhar based verification option.
5: Enter your Aadhar number and enter the OPT for proper verification.
6: After this, you can set your new UPI PIN.
Some UPI applications enable Aadhaar authentication to reset the PIN while limiting themselves to debit card-based PIN resetting. This is helpful to users who have their debit cards but do not carry them along.
Procedure:
1: Open the UPI App: Tap to select the "Reset PIN" option
2: Authenticate using Aadhaar: Enter biometric details like fingerprint or face ID mapped with Aadhaar.
3: Set a New PIN: Choose a strong new PIN and enter it. Then, proceed.
In case the above solutions do not work, then contacting your bank is the most reliable alternative. Banks are authorized to reset a UPI PIN by following an easy procedure.
Steps:
1. Call Customer Support: Call the customer support number of your bank or log into its mobile banking app that usually has a chat option.
2. Enter Verification Details: Enter your account number, registered mobile number, and ID proof.
3. Follow Instructions: The bank representative will guide you through the process of changing your PIN.
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Now, let’s check how to reset your UPI PIN through the UPI apps like Google Pay, PhonePe, Paytm, and BHIM. For all the UPI apps, the resetting procedure is same. So here is a detailed overview of how you can reset:
1: First, open your UPI app like Google Pay, PhonePe, Paytm, or BHIM.
2: Go to your profile section from the viewing page of your UPI app.
3: Go to your Bank Accounts and select the bank account that needs a change with its UPI PIN.
4: If you click that, you can see either Forgot UPI PIN option or Reset UPI PIN option. You need to select it.
5: After this is the verification process. Here, you need to enter your Debit card details or Aadhar card details and you will receive an OTP.
6: Enter the OTP to complete the verification process successfully.
7: Now, you will be able to reset your UPI PIN. Enter the new PIN and confirm it.
If you want to reset your UPI PIN without a debit card detail, you can try it with your Aadhar card details. But before that, your bank account should be linked with that Aadhar number and verified mobile number. This is because you will receive the OTP to your registered and linked mobile number to successfully reset your UPI PIN.
Therefore, you can use the correct Aadhar details for easy UPI PIN reset procedure. If you find it difficult, you can visit your bank branch for useful assistance with your UPI PIN resetting process.
Resetting your UPI PIN is easy, but making it safe and accessible is a bit of work. Here are some crucial things to remember:
1: Avoid sequential numbers like "1111" or special dates like birthdays.
2: Choose a set of numbers that are random yet memorable for you but not easy for anyone else to guess.
3: Avoid using the same PIN on other services.
1: Never disclose your PIN to anyone, including Customer Care representatives.
2: Be aware of phishing attempts where fraudsters pretend to be a banking official or an app representative.
1: Always keep up with what is happening inside your account to detect discrepancies early on.
2: Immediately let your bank or the owner of the UPI know about such discrepancies.
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Resetting a UPI PIN is cumbersome, especially if it must be done too often. To prevent such situations, it's best to have proactive approaches toward remembering and storing it securely. Here are some efficient and practical tips so that you never again face the hassle of resetting your PIN:
Password Managers: These apps keep your UPI PIN safe with them. Choose a big and great password manager that provides end-end encryption and makes your PIN undisclosed. Managers can also create complex passwords.
Physical Storage: If you want to write your PIN, store it safely and privately. A locked drawer, a personal safe, or a secure box is ideal. Please do not keep it in easily accessible locations, such as in a notebook or on your phone screen. A key rule is never to leave it in plain sight.
Create a Mnemonic: A mnemonic is a simple but effective memory aid that can help you recall your PIN without effort.
Associate Numbers with Meaningful Phrases: For instance, if your PIN is “2468,” you could use a memorable phrase like, “Even numbers double their charm” or “Two owls, four legs, six feathers, eight wings.” The idea is to create a pattern or phrase that sticks in your mind. Tying your PIN to something familiar will make it easier to recall when needed.
Use Personal Associations: If the numbers in your PIN have meaning to you, such as birthdays, anniversaries, or good luck numbers, use those creatively to come up with a personal story or sentence using them.
Leverage PIN Reminder Apps: If you're someone who struggles to remember multiple PINs or passwords, PIN reminder apps can offer a helpful solution. However, it's crucial to use these apps cautiously.
Choose Reputable Apps: Only opt for apps with strong security features and positive reviews. Popular apps like LastPass, 1Password, or Dashlane store PINs and passwords using strong encryption and offer features such as two-factor authentication (2FA) to protect your data.
Enable Security Features: Ensure the app you choose has additional security measures, like biometrics (fingerprint or facial recognition) or a master password to access the stored information. This adds an extra layer of protection in case your device is lost or hacked.
Be Aware of App Permissions: Before downloading any PIN reminder app, carefully check the app permissions. Avoid apps that ask for excessive permissions that could jeopardize your data. Stick to apps that only ask for what’s necessary to function securely.
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We all have been there: trying to reset your UPI PIN, and things just don't seem to work. Don't worry, you're not alone! Here are some simple solutions to help you troubleshoot and get things back on track:
Check Your Network: Sometimes, the problem can be as simple as a weak network signal. Ensure that you have a stable connection. A weak signal will make the OTP take longer to arrive or may fail completely.
Verify your Registered Mobile Number: If you've recently changed your phone number, that's the problem. Verify that the bank has updated the current number on file. In case of a wrong number, you will never receive the OTP.
Try resending the OTP: Don't panic! If the OTP doesn't show up after a minute or two, just click the "Resend OTP" button. This will prompt the system to send you a fresh OTP, and hopefully you'll get it this time.
Confirm Your Bank Account Status: If there’s a problem with your account (like if it’s temporarily inactive or locked), the PIN reset might not go through. It’s a good idea to double-check with your bank to make sure everything’s fine on their end.
Clear Cache or Reinstall App: Sometimes, apps can get a little "clogged" with data. Clear the app's cache and see if that will resolve the problem. If not, delete the app and reinstall it. This should usually fix all technical glitches.
Check for App Updates: An outdated app can occasionally cause issues. Make sure you’re using the latest version of your UPI app. Developers regularly release updates that fix bugs and improve app functionality.
Verify Your Debit Card Details: If you’re resetting your PIN using your debit card, double-check that it’s still active and correctly linked to your UPI account. Make sure the card number and expiry date are entered correctly.
Aadhaar Authentication Not Showing Up: If you're using Aadhaar-based authentication and it's not an option, check that your Aadhaar number is linked to your bank account and that you've enabled biometric authentication. If you're not sure, you may need to visit your bank to ensure everything is in order.
Give It Some Time: If you’ve entered the wrong PIN too many times, your account might be temporarily locked for security reasons. Usually, the lock lasts about 24 to 48 hours. Just wait it out, and try again after the lock is lifted.
Still Stuck? Get in Touch with Customer Support: If you've tried everything and still can't reset your PIN, it's time to seek assistance. Call your bank's customer support team or use the in-app help feature. Ensure you have your account details and registered mobile number ready for verification—they will walk you through the process to reset your PIN smoothly.
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Your UPI PIN is the backbone of secure and frictionless digital transactions. Whether it's forgotten or needs a change for security reasons, the ways mentioned here ensure that a PIN reset is both swift and secure.
Observing best practices in terms of choosing a robust PIN, keeping it confidential, and monitoring your account makes it possible for you to receive the convenience of digital payments without much worry. Stay proactive and prioritize financial security.
What if I forget my debit card details?
Contact your bank to retrieve your debit card information or use Aadhaar-based authentication if supported.
What happens if I enter the wrong UPI PIN multiple times?
Most UPI apps temporarily lock your account after consecutive incorrect attempts. Wait for the cooldown period to reset your PIN.
Can I reset my UPI PIN more than once a day?
Yes, but frequent resets may raise security alerts. It’s advisable to avoid unnecessary PIN changes.
The UPI apps allow you to reset PIN a maximum of 3 times in a day. However, after 3 failed attempts to enter the UPI PIN, the UPI account will be blocked for 24 hours.
No. There is no charge for setting or resetting UPI PIN. Setting UPI PIN is done during the initiation of the UPI account and can be reset later on using the necessary credentials which is free of cost.
If the wrong OTP is entered more than once then the transaction will fail and the account will most likely be temporarily blocked after receiving an error message.
The following steps must be followed to reset UPI PIN
Step 1: Open the UPI app
Step 2: Go to profile or settings and select ‘Bank Account’ option
Step 3: Select the bank account of which the PIN has to be reset
Step 4: Select ‘Change UPI PIN’ option
Step 5: Enter old UPI PIN
Step 6: Enter new UPI PIN
Step 7: Enter the new UPI PIN again for confirmation.
When the attempts to enter UPI PIN have exceeded the limit
The user must wait for 24 hours before making any UPI transantions because when the UPI PIN attempts have exceeded the user will not be able to make any transactions using UPI.
Resetting the UPI PIN can be another option if the user does not want to wait for 24 hours to make transactions. Steps have to be followed to reset UPI PIN after which the user can make UPI transactions
Step 1: Open UPI app
Step 2: Go to Settings or Profile
Step 3: Find the option Reset UPI PIN or Change UPI PIN
Step 4: Follow the instructions as shown
If the user is unable to reset the UPI PIN or there is no change after 24 hours then they must contact the banks and ask for assistance.
Yes, you can easily reset your UPI PIN even though you don’t have your debit card. It can be done with the help of your Aadhar card details.
Yes, this option can be available if your respective bank allows Aadhar based resetting options. If it is there, you can change and reset your PIN using any UPI apps like Google Pay, PhonePe, BHIM or Patym. You can explore the section of how to reset UPI PIN in Google Pay for detailed steps.
No, changing your UPI PIN will never affect your transaction history or your account. It is only a security action and nothing beyond that.
Whenever you are feeling like why am I not able to reset my UPI PIN, you have to understand that it involves lot of security. You need to check if the registered mobile number is correct or check your network coverage and if the SIM is active. You can try restarting your mobile and trying it after sometime. If you still don’t receive the OTP, you can contact the bank’s customer support or UPI app’s support for the troubleshooting steps.
No, resetting your UPI PIN is a free process to manage and improve the security of your bank account. So, it doesn’t have any charge for resetting the PIN on different apps.
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