UPI PIN Change

Securely reset your UPI PIN without the need for a debit card. Do not let a forgotten PIN halt your transactions.
UPI PIN Change
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3 min
21 November 2024

UPI PIN Change: Keeping your money safe with a secure PIN

The widespread adoption of UPI (Unified Payments Interface) in India has revolutionised how we manage our finances. Sending and receiving money is faster and more convenient than ever. But with great convenience comes great responsibility! A strong UPI PIN is your first line of defense against unauthorised access to your hard-earned cash. This guide explores how to change your UPI PIN, emphasising its significance for secure transactions.

How to set a UPI PIN?

Whether you are new to UPI or have not set a PIN yet, here is a quick overview:

  1. Open your UPI app (like Bajaj Finserv app or any another reputable app)
  2. Locate the ‘SETTINGS’ or ‘PROFILE’ section
  3. Find the option related to UPI PIN or Manage UPI PIN
  4. You might be prompted to enter your debit card details linked to your UPI account for verification
  5. Choose the option to "SET / CREATE UPI PIN"
  6. Create a strong 4-digit PIN. Remember, avoid easily guessable numbers like your birthday or 1234
  7. Re-enter the PIN to confirm

What is the importance of a UPI PIN?

Think of your UPI PIN as your digital signature for UPI transactions. Just like your ATM PIN, it authorises every payment you initiate. Here is why keeping a strong and unique UPI PIN is vital:

  • Prevents unauthorised transactions: A strong UPI PIN significantly reduces the risk of someone else accessing your account and making unauthorised payments, even if they know your UPI ID.
  • Safeguards your money: A secure UPI PIN acts as a shield, protecting your hard-earned money from falling into the wrong hands.

UPI PIN change: Maintaining security

While UPI offers the flexibility to change your PIN anytime, it is recommended to do so periodically, especially if you suspect a security breach. Here is a general guide on how to change your UPI PIN:

  1. Open your UPI app
  2. Navigate to ‘SETTINGS’ or ‘PROFILE’
  3. Look for the option related to UPI PIN or Manage UPI PIN
  4. Enter your existing UPI PIN
  5. Select the option to ‘CHANGE / RESET UPI PIN’
  6. You might be prompted to enter your debit card details linked to your UPI account for verification.
  7. Create a new, strong 4-digit PIN (different from your previous PIN).
  8. Re-enter the new PIN to confirm.

How to avoid unauthorised payments?

Ensuring the security of your UPI transactions is crucial to avoid unauthorised payments. Here are some essential tips to help you safeguard your UPI account:

  1. Keep your UPI PIN confidential: Never share your UPI PIN with anyone, including friends, family, or bank representatives. Your UPI PIN is like the key to your account, and sharing it can lead to unauthorized access.
  2. Use strong PINs: Create a strong and unique UPI PIN that is difficult to guess. Avoid using easily identifiable numbers such as your birthdate, phone number, or repetitive sequences.
  3. Regularly change your UPI PIN: Periodically changing your UPI PIN can add an extra layer of security. This practice helps in minimizing the risk of unauthorised access if your PIN has been compromised.
  4. Beware of phishing scams: Be cautious of unsolicited messages, emails, or calls asking for your UPI details. Always verify the authenticity of the source before providing any information.
  5. Enable app lock: Use the app lock feature available on your UPI app to add an additional layer of security. This ensures that even if someone has access to your phone, they cannot open the UPI app without the app lock PIN or biometric authentication.
  6. Monitor your transactions: Regularly check your bank statements and UPI transaction history for any suspicious activity. Promptly report any unauthorised transactions to your bank.
  7. Use trusted devices: Avoid using public or shared devices to access your UPI account. Always use your personal device to ensure that your account details remain secure.
  8. Update your app: Keep your UPI app updated to the latest version. Updates often include security enhancements that protect your account from new threats.

The Bajaj Finserv BBPS platform simplifies the bill payment process by offering a comprehensive platform that includes UPI payments. With BBPS, you can make payments for various services such as electricity, water, gas, and insurance, among others, with ease and convenience. The platform ensures a secure and seamless payment experience, with the added benefit of UPI payments that allow for quick and easy 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.

Frequently asked questions

Can we change the UPI pin to 4 digit?

Yes, UPI PINs are always 4 digits. You can change your existing UPI PIN to a new 4-digit PIN using the steps mentioned above.

How do I change my UPI ID on my phone?

Unfortunately, UPI IDs are linked to your bank account and cannot be directly changed. However, you can create a new UPI ID by linking a different bank account to your UPI app.

What is the 6 digit UPI pin?

There is no such thing as a 6-digit UPI PIN. UPI PINs are always 4 digits. Be wary of any information suggesting a 6-digit UPI PIN, as it might be a phishing attempt.

Remember, security is paramount! When it comes to bill payments within your UPI app, consider Bajaj Finserv's BBPS platform. It integrates seamlessly with UPI, allowing you to pay various bills directly using your UPI ID. This eliminates the need for multiple apps and simplifies your bill payment process. But don't forget to prioritize a strong and unique UPI PIN for secure transactions.

How to change a UPI PIN from 6 digits to 4 digits?

To change your UPI PIN from 6 digits to 4 digits, follow these steps:

  1. Open your UPI app: Launch the UPI app on your smartphone.
  2. Go to the UPI settings: Navigate to the settings or account section where you can manage your UPI PIN.
  3. Select 'Change UPI PIN': Choose the option to change your UPI PIN.
  4. Enter your current PIN: Input your existing 6-digit UPI PIN.
  5. Set a new 4-digit PIN: Enter the new 4-digit PIN you want to use and confirm it.
  6. Verify with OTP: You may need to verify the change with an OTP sent to your registered mobile number.
How do I change my UPI ID on my phone?

To change your UPI ID on your phone, follow these steps:

  1. Open your UPI app: Launch the UPI app where your current UPI ID is registered.
  2. Go to the profile or settings section: Navigate to the section where you can view and manage your UPI ID.
  3. Select 'Edit UPI ID': Choose the option to edit or create a new UPI ID.
  4. Enter the new UPI ID: Input the new UPI ID you want to use. Ensure it follows the format provided by your UPI app.
  5. Save the changes: Confirm and save the new UPI ID. You may need to verify the change with an OTP.
Are ATM PIN and UPI PIN the same?

No, ATM PIN and UPI PIN are not the same. Here are the differences:

  • ATM PIN: This is a 4-digit code used to authenticate transactions at ATMs and for card-based transactions at point-of-sale (POS) terminals.
  • UPI PIN: This is a 4 or 6-digit code used to authenticate UPI transactions made through UPI apps. It is specific to your UPI account and is used for authorising payments and transfers.
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