Digital payments have become a daily habit for millions of Indians, and UPI plays a major role in making instant bank transfers smooth and reliable. However, the safety of these transactions depends heavily on one critical element—your UPI PIN. If you’ve forgotten your PIN or want to change it for security reasons, the BHIM UPI app makes the process quick and hassle-free.
With cyber fraud cases on the rise, financial experts strongly recommend updating your UPI PIN from time to time. Let’s understand how you can easily reset your UPI PIN using the official BHIM app.
What Is UPI and Why Is the PIN Important?
The Unified Payments Interface allows users to send and receive money instantly between bank accounts using a mobile phone. Your UPI PIN acts as the final security lock that authorises every transaction. Without it, no payment can be completed.
The UPI ecosystem is operated by the National Payments Corporation of India, ensuring secure and regulated digital payments across banks.
Things You Need Before Resetting Your UPI PIN
Before starting the reset process on the BHIM UPI app, keep the following details ready:
- The last six digits of your debit card
- The expiry date of the debit card
- A mobile number linked to your bank account
- Active internet connection
These details help your bank verify your identity during the PIN reset process.
Step-by-Step Guide: How to Reset UPI PIN Using BHIM App
- Open the BHIM UPI app on your smartphone
- Tap on the menu icon and select Bank Account
- Choose the bank account linked with your UPI
- Tap on Reset UPI PIN
- Enter the last six digits and expiry date of your debit card
- An OTP will be sent to your registered mobile number
- The app will auto-detect the OTP or ask you to enter it
- Set a new UPI PIN of your choice
- Re-enter the PIN to confirm
Once confirmed, your new UPI PIN becomes active immediately.
Why You Should Change Your UPI PIN Regularly
- Protects you from unauthorised transactions
- Reduces the risk of digital fraud
- Keeps your bank account secure even if your phone is lost
Apps like Google Pay, PhonePe, Paytm, and BHIM all follow the same UPI security standards, making PIN updates easy across platforms.
Common Questions About Resetting UPI PIN
Can I recover my old UPI PIN?
No. For security reasons, UPI PINs cannot be retrieved—only reset.
What if my debit card is expired?
You will need a valid debit card to reset the PIN. Contact your bank if the card has expired.
Is BHIM different from UPI?
Yes. UPI is the payment system, while BHIM is an app that allows users to access UPI services.
Resetting your UPI PIN through the BHIM app is a simple yet powerful step toward securing your digital payments. As online transactions continue to grow, staying alert and proactive with financial security is essential. A regularly updated PIN can save you from major financial trouble.
