How to reset UPI PIN? A step-by-step guide

What is the difference between resetting and changing a UPI PIN?

Although the terms are used interchangeably, changing and resetting a UPI PIN serve different purposes and have different processes. Your UPI PIN can be changed only if you remember your existing PIN and want to update it for security reasons. You need to reset your UPI PIN if you have forgotten your existing one and cannot authenticate transactions with your current PIN.

Here is the tabular difference between resetting and changing a UPI PIN:

Common reasons why you may need to reset your UPI PIN

There are multiple reasons why you may need to or should change or set a UPI PIN. Here are some of the common reasons for resetting your UPI PIN: 

• Forgot PIN: If you have forgotten your UPI PIN, you will have to reset it to authorise the transactions. 
• Security purpose: If you suspect that someone has gained access to your PIN, you may reset/change it for security reasons. 
• Enhanced protection: If your UPI PIN is very old and you have not changed it in a long time, you can change it to strengthen security.
• Switch device: If you have changed your phone or switched devices, you may need to reset/create a new PIN to reverify your account. This is done as a security measure by most banks and UPI apps.
• Reinstalling a UPI app: If you have reinstalled the app, you may need to generate a new PIN.
• Adding or changing the bank account linked to the UPI app: On third-party UPI apps, adding a new bank account or changing the bank account might require creating a fresh PIN for that particular bank account.

Things to keep in mind while resetting your UPI PIN

Now that you know how to reset UPI PIN, it is important to understand some security measures to ensure safer UPI transactions. After resetting your UPI PIN, do not share it with anyone to keep it secure and confidential. Also, create a PIN which is difficult to guess.

Reset or change your UPI PIN only through UPI apps or official banking apps to avoid misuse. Lastly, keep your registered mobile number active to receive the OTP required for the reset.

Frequently Asked Questions

1. Can you reset your UPI PIN without a debit card?

In many cases, banks require a debit card for resetting the UPI PIN. However, some banks and apps have introduced Aadhaar-based authentication for eligible customers. The Aadhaar card should be linked to the same mobile number that is registered with the bank account. Availability depends on the UPI platform and the bank’s policies.

2. How many times can you enter the wrong UPI PIN?

Most of the banks allow a limited number of wrong UPI PIN attempts. After multiple failures, the UPI services may be temporarily blocked for security reasons. The exact limit differs by UPI application and bank.

3. What should you do if you forget your UPI PIN?

If you forget your UPI PIN, you can generate a new one using your debit card details, including the last 6 digits of the card and its expiry date. Know the steps of how to change UPI password and follow them to change the PIN.

4. Can you use the same UPI PIN after resetting it?

Yes, you can use the same UPI PIN after resetting it, provided the UPI app or bank allows it.

5. Is UPI PIN the same as my ATM PIN?

No, the ATM PIN is different from the UPI PIN. The UPI PIN is used to authorise UPI transactions, and the ATM PIN is used for ATM services like withdrawals and debit card transactions.

6. Can you have different UPI PINs for different bank accounts?

Yes, you can have different UPI PINs for different bank accounts linked to UPI. This can help streamline payments across accounts.