Why am I not getting OTP for UPI? Solutions and fixes

Facing OTP issues while setting up or using UPI? Discover common reasons for missing OTPs and practical solutions to resolve them quickly.
Why am I not getting OTP for UPI? Solutions and fixes
SET UP UPI
5 mins
9 January 2025

UPI (Unified Payments Interface) transactions are instant, real-time payments made through a secure digital platform. They allow users to transfer funds between bank accounts using a UPI ID or mobile number without sharing sensitive details like account numbers.

UPI supports features like bill payments, online shopping, and QR code transactions. It is accessible 24/7 and enables seamless, cashless payments, ensuring security through PIN and OTP authentication.

What is OTP in UPI transactions?

One-Time Password (OTP) in UPI transactions is a unique code sent to a user's registered mobile number by their bank to authenticate transactions. It is a crucial security measure that ensures only the authorised user can approve a payment or set up a UPI PIN. The OTP is time-sensitive and usually expires within a few minutes, adding an extra layer of protection against fraud.

During UPI PIN setup or transactions, users must enter the OTP to validate their identity and authorise access to their linked bank account. Without the OTP, the transaction or setup cannot be completed. This process safeguards sensitive financial details and prevents unauthorised usage. With platforms like Bajaj Pay integrating OTP-based security, users can enjoy seamless and secure UPI transactions.

Common reasons for not receiving OTP for UPI PIN

Network issues: Weak or unstable mobile network can delay or block OTP delivery.

Wrong mobile number: OTPs are sent to the registered mobile number; errors can prevent receipt.

SMS service block: Disabling SMS services or insufficient SMS balance can hinder OTP reception.

DND settings: Enabling 'Do Not Disturb' (DND) might block transactional messages.

Bank server downtime: Temporary banking system issues can interrupt OTP dispatch.

Steps to fix OTP issues for UPI PIN setup

Check network: Ensure a strong mobile signal and switch to another network provider if needed.

Verify registered number: Confirm that the correct mobile number is linked to your bank account.

Re-enable SMS services: Ensure SMS services are active and that there’s sufficient balance for messages.

Disable DND: Temporarily turn off DND settings to receive transactional messages.

Restart device: A simple reboot can resolve software or network-related glitches.

Wait and retry: In case of server downtime, wait a while and retry the OTP request.

Update bank details: Update your mobile number with the bank if recently changed.

How to contact your bank for OTP issues

Customer care helpline: Call your bank’s toll-free number and explain the OTP issue for assistance.

Visit the branch: For persistent issues, visit your nearest branch to resolve the matter in person.

Email support: Write to your bank’s official support email detailing the problem and providing relevant information.

Mobile banking app: Use the bank's app to raise a service request regarding OTP problems.

Chat support: Some banks offer chatbot or live chat services on their website or app for quick assistance.

Social media: Many banks address customer issues via verified social media accounts.

Why is OTP important for UPI security?

Prevents fraud: OTP ensures that only authorised users can complete transactions.

Adds a security layer: A dynamic code valid for a limited time reduces the risk of interception.

Identity verification: Confirms that the transaction initiator is the rightful account owner.

Protects sensitive information: Prevents unauthorised access to bank accounts via stolen credentials.

Enhances user confidence: With OTP, users feel secure while transacting digitally.

Mandatory for setup: OTP is essential for setting up or changing UPI PINs, ensuring secure account access.

Conclusion

OTP plays a pivotal role in the security and smooth functioning of UPI transactions, ensuring users’ financial data remains protected.

Platforms like Bajaj Fiinserv provide an additional layer of safety by integrating OTP-based authentication into their digital payment services. Bajaj Finserv’s robust solutions ensure seamless UPI experiences, reinforcing trust and convenience for users.

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

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Frequently asked questions

Can I complete a UPI transaction without an OTP?
No, completing a UPI transaction without an OTP is not possible. The OTP serves as a crucial security measure to authenticate the transaction, ensuring that only authorised users can proceed with financial activities.

What should I do if I still don’t receive OTP after troubleshooting?
If you still do not receive the OTP after troubleshooting, ensure your tariff plan is active, check network connectivity, and clear your messaging app cache. As a last resort, consider resetting your network settings to resolve persistent issues.

Does DND affect receiving OTPs for UPI?
Yes, DND (Do Not Disturb) can affect receiving OTPs for UPI transactions. If your number is on the DND list, you may not receive promotional messages, but essential transactional messages like OTPs should still come through.

What should I do if I forget my UPI PIN?
If you forget your UPI PIN, you can reset it using the app linked to your UPI account. Typically, this involves verifying your identity through a registered mobile number and following the prompts to create a new PIN securely.

Can I use UPI without a registered mobile number?
You cannot use UPI without a registered mobile number, as it is essential for receiving OTPs and transaction notifications. Ensure that your mobile number is linked to your bank account to facilitate smooth transactions.

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