Here is the complete guide how you can set and change your UPI PIN

UPI PIN is Unified Payment Interface Personal Identification Number, it can be used for further transactions through mobile applications like BHIM, Phone Pe, Google pay so on….

It is very much secure other than ATM PIN, you have to create or set the UPI PIN before using the app like BHIM or Phone Pe, Google pay so on.

To set the UPI PIN you must have the bank debit card with you. Without bank debit card, your not able to set your UPI PIN. It means you cannot access or use any UPI app without the bank debit card. Follow below simple steps to set your UPI PIN in BHIM app.

This is the example of BHIM app

Download and Open BHIM APP


Enter Passcode 

BHIM App - passcode

Go to the ‘Bank account’ 

Tap on the ‘Reset UPI PIN’. 

Enter the last 6 digits of your bank debit card number.

After the submission, you will receive an OTP in your registered phone.

Enter this OTP and submit.

Here is the last step to set your new UPI PIN. This UPI pin would be of 4-6 digits. 

SET UPI PIN through USSD bankingYou can set your BHIM UPI PIN using mobile banking, just after launch of BHIM app, BHIM USSD banking also changed. When you dial the *99#, you would see 7 options. The last option is for UPI PIN.

You must know that USSD banking works with feature phone without the internet. You can also change and reset the UPI PIN through the BHIM USSD banking. To Reset the PIN, you have to enter the debit card details along with OTP which is sent to your register mobile number.