How to Change Your UPI Pin?

Posted on Friday, January 24th, 2025 | By IndusInd Bank

Unified Payments Interface (UPI) offers a seamless and secure way to make payments. One aspect that makes UPI transactions safe is the UPI PIN. One needs to enter the PIN to authorise any UPI transaction and finalise the payment. If you have a UPI account, you will already know how to set the UPI PIN. 

However, for the general safety of one’s finances and other reasons, it is also crucial to know how to change or reset your UPI PIN. 

This article provides a guide to change your UPI PIN as well as points on when and why you should do it. Keep reading to know more. 

How to Reset Your UPI PIN?

Here’s a step-by-step guide on how to change your UPI PIN:

1. Launch your UPI-enabled app, such as the BHIM IndusPay UPI app, on your smartphone.

2. Go to the ‘Bank Accounts’ or ‘UPI Settings’ section of the app. 

3. Choose the bank account for which you want to reset the UPI PIN.

4. Look for the option to ‘Reset UPI PIN’ or ‘Forgot UPI Pin’.

5. Next, choose your method of authentication method, either via Debit Card or via your Aadhar number. Debit card authentication will require you to input your debit card number and its expiry date. Aadhar authentication will require you to verify using your Aadhar-linked mobile number.

6. Verify with the OTP received on your registered mobile number.  

7. Enter the new UPI PIN and confirm it by entering it again.

Once you submit, you will receive a confirmation stating that your UPI PIN has been reset.

Now that you know how to change a UPI PIN, let’s look at some reasons why it’s crucial to do so.

When and Why Should You Reset Your UPI PIN?

There are several reasons you should reset your UPI PIN:

1. Forgotten PIN

If you forget your UPI PIN, you will need to reset it to regain access to UPI services.

2. Security Concerns

If you suspect that your UPI PIN has been compromised, resetting it will help protect your account from unauthorised access.

3. Regular Security Practice

It is a good practice to change your UPI PIN at regular intervals to enhance the security of your digital transactions.

Knowing how to reset your UPI PINensures that you can make UPI transactions with confidence. However, did you know that beyond basic transactions, UPI offers a range of features that can simplify your financial life?

UPI Features to Ease Your Financial Management

UPI offers several features that enhance the user experience and provide additional security:

1. Multiple Bank Accounts

You can link multiple bank accounts to a single UPI ID and manage all of them from one app.

2. Transaction Limits

UPI has daily transaction limits to ensure security. Most apps allow transactions up to ₹ 1 lakh per day.

3. Bill Payments

You can use UPI to pay utility bills, recharge mobile phones, and pay for online services.

4. Set Up Auto-Pay Mandates

UPI allows you to set up auto-pay mandates for recurring payments such as subscriptions, utility bills, and more. This ensures timely payments without manual intervention.

These features make UPI a versatile and powerful tool for managing your finances.

By understanding how to reset your UPI PIN and adopting good security practices, you can navigate the world of digital payments with confidence. Remember, a few simple steps can go a long way in protecting your hard-earned money. 

Also Read:  5 Easy Steps to Register for IndusInd Bank UPI

Conclusion

Just like UPI allows you a safe and seamless payment experience, IndusInd Bank’s digital banking services make your banking journey smooth and secure. 

What’s more, with Savings Accounts from IndusInd Bank, such as the Indus Multiplier Max Savings Account, your account balance above ₹ 20,000 gets converted into fixed deposits. So, you can enjoy higher and better returns. Looking for even more benefits? We even allow you to choose an account number of your choice! 

So, what are you waiting for? Get started with opening your online Savings Account with IndusInd Bank now! 

Disclaimer: 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.