How to Create and Reset a UPI PIN

How to Create and Reset a UPI PIN

21 May 2024 | By INDIE

In today's digital India, just about anything is just a few clicks away.  One revolutionary invention that exemplifies this is the Unified Payments Interface (UPI). In this blog you will understand all about the world of UPI, explaining its core functionalities, exploring how to set up your UPI PIN, and highlighting the numerous benefits it offers.


Understanding UPI: A Digital Revolution

Imagine a single platform that seamlessly connects your bank accounts to various mobile applications, allowing instant money transfers using just your virtual address. That's the magic of UPI. Developed by the National Payments Corporation of India (NPCI), UPI empowers individuals to send & receive money, make bill payments online and shop online securely.

Benefits of Embracing UPI:

● Unmatched Convenience: Ditch the hassle of carrying cash. UPI transactions require only your virtual address and a secure PIN.

● Instantaneous Transfers: Unlike traditional methods, funds are transferred immediately using UPI, ensuring real-time settlements.

● Universal Acceptance: A widely adopted platform, UPI is integrated into numerous mobile wallets, banking apps, and merchant platforms, offering extensive reach.

● Enhanced Security: UPI leverages a two-factor authentication system which acts as an additional protective layer for transactions.


How To Create A New UPI PIN: A Step-by-Step Guide

Now that you're familiar with the advantages of UPI, here's how to set up your UPI PIN and unlock the world of digital payments:

1. Link your bank account:

● Open your bank's mobile application or internet banking portal.

● Navigate to the 'UPI' section and initiate the linking process.

● Select the right account to link from the options.

2. Create Your UPI PIN:

Using Debit Card:

● This method is applicable if your debit card is linked to your mobile banking account.

● Choose the "Create UPI PIN" option.

● Enter your debit card number’s last six digits and the card’s expiry date.

● You'll receive a one-time password (OTP) on your registered mobile number.

● Enter the OTP and create a secure 4-digit or 6-digit UPI PIN.

Using Aadhaar Card:

● Select the "Create UPI PIN using Aadhaar" option.

● Enter your 12-digit Aadhaar number and confirm.

● You'll receive an OTP on your Aadhaar-linked mobile number.

● Enter the OTP and set your desired UPI PIN.

Remember - Your UPI PIN is confidential. Never share it with anyone, not even to any bank representatives.

How to Reset Your UPI PIN:

In case you forget your UPI PIN, fret not! Here's how to reset it:

● Open your bank's mobile application or internet banking portal.

● Navigate to the 'UPI' section and select the "Forgot PIN" option.

● You might be required to enter your debit card details and the expiry date (if using the debit card method for creating the PIN).

● Alternatively, you might be able to reset the PIN using your Aadhaar number (if your bank offers this option).

● Enter the OTP sent to your registered mobile number and create a new secure UPI PIN.

Here's Why INDIE is Your Perfect Partner for Digital Payments:

● Lightning-Fast & Secure: INDIE utilises cutting-edge technology to safeguard your financial information, giving you peace of mind with every transaction.

● Bill Payments? A Breeze: Effortlessly schedule and automate your bill payments through INDIE, ensuring you never miss a beat.

● Rewards on Every Tap: Exclusive deals and rewards are just a tap away with INDIE.

● Designed for Everyone: Whether you're tech-savvy or a digital newbie, INDIE's intuitive interface makes navigating payments a smooth and enjoyable experience.

UPI has revolutionised the way we manage our finances. INDIE by IndusInd Bank takes it a step further. With its seamless UPI integration and additional features, INDIE offers an unmatched level of convenience for your digital payment needs.

Ready to simplify your financial life? Explore the world of UPI and choose INDIE for a hassle-free experience.



The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information.