Table of Contents
Prerequisites Before Changing Your UPI PIN in PhonePe
1. Linked Mobile Number:
Your phone number must be linked to both your bank account and PhonePe App. Without this, you won’t be able to proceed.
2. Access to PhonePe Account:
Ensure you can log into your PhonePe account without issues and have access to the linked bank account details.
3. Verification Credentials:
Keep your debit or credit card details ready for verification. These may include the last six digits of your card and the expiry date.
How to Change UPI PIN in PhonePe?
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Go to Your Profile: Open the PhonePe app and tap your profile picture on the home screen.
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Access Bank Accounts: Tap on “Bank Accounts” and select the bank account for which you want to reset or change the UPI PIN.
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Choose “Reset/Set”: Tap the “Reset/Set” option next to the UPI PIN.
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Enter Debit Card Details: Provide the last six digits of your Debit/ATM card and the card’s expiry date (in MM/YY format).
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Input OTP: You’ll receive a 6-digit OTP on your registered mobile number. If SMS permissions are enabled, PhonePe may auto-fetch the OTP. To enable this, go to Phone Settings >> Apps & Notifications >> PhonePe >> Permissions.
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Enter ATM PIN: Input the 4-digit PIN of your Debit/ATM card to proceed.
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Set a New UPI PIN: Create a new 4 or 6-digit UPI PIN.
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Confirm the UPI PIN: Re-enter the new UPI PIN to confirm.
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Tap “Confirm”: After verifying all details, tap “Confirm” to save the new UPI PIN.
Common Mistakes to Avoid:
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Incorrect Mobile Number: Ensure your registered mobile number is active and linked to your bank account.
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Wrong Card Details: Double-check the debit card information before submitting it.
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OTP Timeout: Enter the OTP promptly to avoid redoing the process.
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Choosing Weak PINs: Avoid using simple combinations like “1234” or your birth year as the UPI PIN for better security.
How To Reset UPI PIN In PhonePe Using Aadhar Card?
Resetting your UPI PIN using your Aadhaar card is a simple and convenient option, especially if you don’t have your debit card handy. This method requires your Aadhaar number to be linked to your bank account and mobile number. Additionally, you must keep your Aadhaar card details available to ensure a smooth process.
Follow these steps to reset your UPI PIN using Aadhaar:
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Open the PhonePe App: Launch the app on your smartphone and log in.
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Access Bank Accounts: Tap on your profile picture on the home screen and select the “Bank Accounts” option.
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Choose a Bank Account: From the list of linked accounts, select the one for which you want to reset the UPI PIN.
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Select “Reset UPI PIN”: Tap on the “Set” or “Reset” option under UPI PIN for the chosen account.
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Choose Aadhaar-Based Reset: Select the option to reset the UPI PIN using your Aadhaar number and tap “Proceed.”
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Enter Aadhaar Details: Input the first six digits of your Aadhaar number to begin the verification process.
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Authenticate with OTPs: You will receive two OTPs—one from your bank and another from UIDAI—on your registered mobile number. Enter both OTPs carefully to promptly verify your identity and avoid delays or errors.
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Set a New UPI PIN: Create a secure UPI PIN by entering it twice to confirm. Choose a PIN that is easy for you to remember but hard for others to guess.
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Confirm and Save: Tap “Confirm” to complete the process. Your UPI PIN is now successfully updated.
How to Reset UPI PIN in PhonePe Using Debit/ATM Card?
Resetting your UPI PIN in PhonePe using a Debit/ATM card is a quick and secure method. Follow these steps to reset your UPI PIN effortlessly:
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Open the PhonePe App: Launch the PhonePe app on your smartphone. Ensure you are connected to the internet.
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Navigate to Bank Accounts: Tap on your profile picture on the home screen, then select “Bank Accounts” from the menu.
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Choose a Bank Account: Select the bank account for which you wish to reset the UPI PIN.
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Select “Reset/Set”: Tap the “Reset/Set” option next to the UPI PIN for the selected bank account.
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Enter Debit/ATM Card Details: Input the last six digits of your Debit/ATM card number and the card’s expiry date in MM/YY format. If your card doesn’t have an expiry date, use the default code “00/49”.
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Receive and Enter OTP: A One-Time Password (OTP) will be sent to your registered mobile number. Enter this OTP in the provided field. If SMS permissions are enabled, PhonePe may auto-fetch the OTP for you.
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Set a New UPI PIN: Create a new UPI PIN (4 or 6 digits) and confirm it by re-entering the same PIN. You must choose a PIN that is easy to remember but hard for others to guess.
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Tap “Confirm”: Once all the details are verified, tap “Confirm” to complete the process.
Key Tips for UPI PIN Security
1. Choose a Strong PIN:
Always select a PIN that is hard to guess. Avoid using easily identifiable numbers such as your birthdate or simple sequences like “1234.”
2. Never Share Your PIN:
Keep your UPI PIN confidential and never share it with anyone, even with individuals claiming to be from your bank or PhonePe. Avoid sharing it over phone calls, messages, or emails.
3. Enable Biometric Authentication:
Use the PhonePe app’s biometric authentication features, such as fingerprint or face ID, for added security. This adds extra protection and prevents unauthorised access to your account.
4. Regularly Update Your PIN:
Change the UPI PIN periodically to minimise the risk of unauthorised access. Updating your PIN ensures that even if your previous PIN is compromised, your account remains secure.
Troubleshooting Tips
1. Forgotten UPI PIN:
If you cannot recall your UPI PIN, reset it by following the steps outlined earlier. Ensure you have the necessary details, such as your debit card or Aadhaar card information, for verification.
2. Cannot Change PIN:
Verify that your mobile number is linked to your bank account and that UPI services are enabled. If the number is not linked, contact your bank to update it.
3. Error Messages:
For errors like “Unable to process request,” check your network connection and ensure you have a stable internet connection. Restarting the app often resolves such issues.
4. PhonePe Not Responding:
If the app becomes unresponsive, ensure it is updated to the latest version available on your device’s app store. Restarting your phone can also help resolve app-related glitches.
Frequently Asked Questions (FAQs)
1. How to check the UPI PIN in PhonePe?
For security reasons, you cannot directly view your UPI PIN on PhonePe. However, if you’ve forgotten it, you can reset your UPI PIN by following the steps outlined in this article.
2. How often can I change my UPI PIN in PhonePe?
You can change your UPI PIN as often as you like, though it’s advisable to do so periodically for added security. Ensure that you remember the new PIN each time you reset it.
3. What should I do if my UPI PIN change attempt fails?
If your attempt to change your UPI PIN fails, double-check your details (such as card numbers and expiry date) and ensure your internet connection is stable. If the problem persists, contact your bank’s customer support for further assistance.
4. How long does it take for a UPI PIN change to reflect in PhonePe?
Once you successfully change your UPI PIN, the change should reflect immediately in PhonePe. However, your bank may take a few minutes to process the update.
5. How many attempts do I get to enter the correct UPI PIN?
You are allowed up to 3 incorrect attempts to enter your UPI PIN. After 3 failed attempts, your account may be temporarily locked for security reasons.
6. Can I set the same UPI PIN in PhonePe as before?
No, for security reasons, you must create a new UPI PIN that is different from your previous one to enhance the safety of your transactions.