Reset UPI PIN: Steps if You Forgot It or Want to Change

If you have forgotten your PIN, you can reset UPI PIN in a few minutes from any UPI app. You will need your debit card details and the mobile number linked to your bank account. The steps below work for most apps, and only the menu names change.

How to reset UPI PIN when you forgot it

NPCI says a forgotten PIN can be regenerated using your debit card details, which means the last six digits of the card and its expiry date. The flow below follows the one IDFC FIRST Bank describes for its app.

1. Open the app and go to the UPI section, then Manage UPI.
2. Tap Forgot UPI PIN and pick the linked bank account.
3. Enter the last six digits of your debit card and the expiry date.
4. Enter the OTP sent to your registered mobile number.
5. Set a new PIN and confirm it.

PhonePe, Google Pay, BHIM and Paytm follow a similar path. Open the bank account in your profile or payment settings, then choose the reset option.

How to change your UPI PIN if you remember it

This is simpler, because you do not need card details. Go to Manage UPI, choose Change UPI PIN, and enter the old PIN. Then enter the new PIN twice. You should get an SMS or email confirmation afterwards.

What if you do not have a debit card?

NPCI describes PIN setup through debit card details on any app. So if you have no debit card, or it has expired, you may need to ask your bank. Options vary by bank, and some may offer another way to verify you.

Common problems and safety tips

Several wrong attempts can lead your bank to block UPI payments from that account for a while. The exact rule varies by bank, so wait and try again later instead of guessing.

Also, your bank’s MPIN is not the same as your UPI PIN. If you already set a UPI PIN in one app, you can use the same PIN in BHIM, as the NPCI FAQ explains.

• Never share your PIN. Bank support will never ask for it.
• You enter a PIN to send money, so be wary of any request to enter it to receive money.
• Check for a confirmation SMS after every change. An unexpected one is a warning sign.

If the reset keeps failing

First, check that the debit card is active and not expired. Then confirm that the mobile number in your app is the same one registered with the bank. If the OTP does not arrive, the SIM may be inactive or the number may have changed at the bank. So visit the branch or use the bank’s official app to update it.

Also make sure you enter the card details exactly. The last six digits mean the six digits at the end of the card number. The expiry date is printed on the front as month and year. However, if the card was replaced, use the new card, because the old details will not match.

Which app should you use?

Any UPI app linked to your account can reset the PIN. For example, you can use your bank’s app, PhonePe, Google Pay, BHIM or Paytm. The result is the same, because the PIN is stored by your bank. So pick the app you trust most and use only the official version from your phone’s app store.

Finally, set a PIN you can remember but others cannot guess. Avoid birthdays and repeated digits. Also never save the PIN in your notes or messages.

FAQ

Can I reset UPI PIN without an OTP?

No, the OTP is part of the standard flow. It goes to the mobile number linked to your bank account, so keep that SIM active.

Does a new PIN in one app change it everywhere?

The PIN belongs to your bank account. So you may use the same PIN across apps linked to that account, as NPCI notes for BHIM.

What should I do if my money was debited but the payment failed?

That is a separate issue from the PIN. Follow the refund steps in our guide linked below.