Unable to Set UPI PIN? Common Issues & Fixes

Having trouble setting up your UPI PIN? It could be due to OTP issues, incorrect details, or bank server errors. Here’s how to fix it.
Unable to Set UPI PIN? Common Issues & Fixes
5 mins
17 February 2025

Common reasons why you cannot set a UPI PIN

Setting a UPI PIN is a crucial step in enabling digital transactions. However, several factors may prevent users from completing this process. Here are some common reasons:

Incorrect debit card details – Entering incorrect card details, such as an invalid card number, expiry date, or CVV, can hinder PIN setup.

OTP not received – A delay or failure in receiving the OTP from the bank can stop the verification process.

Bank server issues – Technical glitches in the bank’s server may prevent the authentication process.

Aadhaar-based UPI PIN setup challenges – Users opting for Aadhaar-based authentication may face delays or failure in verification.

App-specific issues – Some UPI apps may have bugs or compatibility issues with certain devices.

Security concerns – Users should remain cautious of fraudulent activities and avoid sharing sensitive details.

Addressing these issues promptly ensures a smooth and secure digital payment experience.

Incorrect debit card details

Issue:

The user enters incorrect debit card details, such as an invalid number, incorrect expiry date, or wrong CVV.

The debit card may be expired or blocked, making it unusable for setting up a UPI PIN.

Solution:

Double-check the card number, expiry date, and CVV before proceeding.

Ensure the card is valid and not expired.

If the card is blocked, contact the bank to issue a new one.

Use an alternative debit card if available.

OTP not received

Issue:

The user does not receive the OTP required for verification.

Poor network connectivity or outdated mobile numbers linked to the bank account could be the cause.

Solution:

Ensure the registered mobile number is active and has network coverage.

Check if the number linked to the bank account is updated.

Request the OTP again after waiting for a few minutes.

If the issue persists, contact the bank’s customer support.

Bank server issues

IssueSolution
Temporary server downtime prevents UPI PIN setup.Try again after some time or use a different bank account.
High server traffic causes delays in OTP verification.Wait for a few minutes and retry the process.
Bank system maintenance disrupts transactions.Check the bank’s website for scheduled downtime alerts.


Aadhaar-based UPI PIN setup

IssueSolution
Aadhaar-linked mobile number is not active.Update the mobile number linked to Aadhaar and retry.
Biometric authentication fails.Ensure fingerprint scanning devices are working properly.
Bank does not support Aadhaar-based UPI PIN setup.Use a debit card to set the UPI PIN instead.


App-specific issues

IssueSolution
UPI app is outdated.Update the app from the Play Store or App Store.
App crashes frequently.Clear the app cache or reinstall the application.
Compatibility issues with the device.Try using a different UPI app or another device.


Contacting support

IssueSolution
Unable to resolve issues independently.Contact the bank’s customer support via their helpline or website.
The UPI app does not work properly.Report the issue via the app’s support section.
Persistent errors in UPI transactions.Visit the bank branch for further assistance.


Security concerns: Why you should never share your UPI PIN

IssueSolution
Fraudulent calls requesting UPI PIN details.Never share the UPI PIN with anyone, even if they claim to be from the bank.
Phishing scams trick users into revealing their UPI PIN.Always verify messages or emails before clicking on links.
Transactions initiated without user knowledge.Enable transaction alerts and report unauthorised activity immediately.


Conclusion

Setting up a UPI PIN is a straightforward process, but users may encounter difficulties due to incorrect details, technical issues, or security concerns.

By following the solutions outlined in this article, one can resolve these challenges effectively. Using a reliable UPI payment platform like Bajaj Finserv BBPS ensures secure and seamless transactions.

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

What should I do if my bank account is not linking for UPI PIN setup?
Ensure the mobile number linked to the bank account is active and try again. If the issue persists, contact the bank’s support.

Can I reset my UPI PIN without a debit card?
Yes, some banks allow users to set their UPI PIN using Aadhaar-based authentication. However, this may not be available for all banks.

Why am I not receiving an OTP while setting my UPI PIN?
Check if the registered mobile number has network connectivity and is updated with the bank.

What is the safest way to use UPI for transactions?
Always keep the UPI PIN confidential, enable transaction alerts, and avoid clicking on suspicious links.

Can I use multiple UPI apps with the same bank account?
Yes, but each app will require separate authentication, and users must ensure security settings are enabled.

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