How to Reset UPI PIN: A Ultimate Guide


How to Reset UPI PIN

At, our mission is to empower individuals with practical knowledge and step-by-step instructions to master a wide array of skills and tasks. In this detailed guide, we not only walk you through the process of resetting your UPI PIN but also delve into advanced security features and cybersecurity awareness for UPI users.


In the rapidly evolving digital landscape, UPI (Unified Payments Interface) has become an integral part of our financial transactions. As we delve into the intricacies of UPI, it’s crucial to understand the significance of a secure UPI PIN and why resetting it periodically is essential.

Understanding UPI PIN

Your UPI PIN is the key to safeguarding your digital transactions. Think of it as the digital signature that ensures the authenticity of every payment you make. Regularly updating or resetting your UPI PIN adds an extra layer of security to your financial interactions.

Reasons for Resetting UPI PIN

Lost or Forgotten UPI PIN

It happens to the best of us. Misplacing or forgetting your UPI PIN can be inconvenient, but the reset process is here to help.

Compromised UPI PIN

Security is paramount. If you suspect your UPI PIN has been compromised, resetting it promptly is the best course of action.

Changing Banks or Mobile Numbers

Life changes, and so do our banking relationships. If you’ve switched banks or changed your mobile number, resetting your UPI PIN is a necessary step to keep your financial information updated.

Prerequisites for UPI PIN Reset

Before embarking on the UPI PIN reset journey, ensure you meet the following prerequisites:

Stable Internet Connection

A secure and uninterrupted internet connection is crucial for a smooth reset process.

Access to Registered Mobile Number

You’ll need access to the mobile number linked to your UPI account to receive OTPs and confirmations.

Validating Personal Information

Be prepared to validate your personal information during the reset process to enhance security.

Step-by-Step Guide to Resetting the UPI PIN

A. Accessing the UPI App

Start by launching the UPI-enabled app on your device. Once logged in securely, you’re ready to initiate the reset process.

B. Navigating to UPI PIN Reset Section

Look for the ‘Forgot UPI PIN’ or a similar option in the app menu. Select the bank account for which you wish to reset the UPI PIN.

C. Verification Process

Confirm your identity by entering the OTP sent to your registered mobile number. Additionally, authenticate personal details to ensure the security of the reset process.

D. Creating a New UPI PIN

Now comes the critical step: creating a new UPI PIN. Choose a robust combination, confirm it, and you’re done! Your UPI PIN has been successfully reset.

Read more: How to Factory Reset Google Home Mini: Ultimate Guide

Change your UPI PIN using Google Pay.

  1. Open Google Pay.
  2. At the top right, tap your photo.
  3. Tap the bank account.
  4. Tap the bank account you want to edit.
  5. Tap More Moreto change the UPI PIN.
  6. Create a new UPI PIN.
  7. Enter the same UPI PIN again.

Note: If you enter the wrong UPI PIN more than three times, you must reset your PIN or wait 24 hours to make your next transaction. You can’t send or receive money during this time.

Change your UPI PIN using PhonePe.

How to Reset UPI PIN
Image Via Phonepe
  1. Go to the My Money page, and under Payment Methods, select Bank Accounts
  2. Select your bank Select the bank account for which you want to set a UPI pin. You will see a Set option in case you have never set a UPI pin for the bank account. Otherwise, you will see a Reset option to set a new UPI Pin for the bank account
  3. Enter debit or ATM card details Enter the last six digits of your debit or ATM card number and the expiration date (in case your card does not have an expiration date, try entering 00/49). Use the OTP you received to set your UPI PIN
  4. OTP sent out to registered numberIn the next screen, enter the OTP and the new UPI Pin you want to set for the account, and click submit
  5. UPI Pin set upYou have successfully set a UPI pin for your bank account! You can now send money and make payments directly from your bank account in the PhonePe app by authenticating using your UPI Pin

Tips for a Secure UPI PIN

Choose a Complex PIN

Opt for a PIN that combines numbers, letters, and special characters for added complexity.

Avoid Easily Guessable Combinations

Steer clear of birthdays, anniversaries, or easily guessable sequences to enhance the security of your UPI PIN.

Regularly Update UPI PIN

Make it a habit to update your UPI PIN regularly. It’s a simple yet effective way to stay one step ahead of potential security threats.

Troubleshooting Common Issues

OTP Not Received

If you encounter issues receiving the OTP, check your internet connection and ensure your mobile number is active.

Failed Verification Attempts

In case of failed verification attempts, review the entered information and try again. If issues persist, contact your bank’s customer support.

Additional Troubleshooting Steps

For a seamless reset process, ensure that your mobile device has the latest UPI app update. Clearing the cache and restarting the app can also resolve common issues.

Best Practices After UPI PIN Reset

Check PIN Functionality

After resetting your UPI PIN, perform a test transaction to ensure the functionality of the new PIN.

Review Transaction History

Regularly review your transaction history to spot any unauthorized activities and report them promptly.

Implement Additional Security Measures

Explore advanced security features within the UPI app, such as biometric authentication and device binding, for enhanced protection.

Detailed Explanation of UPI PIN Security

A. Encryption and Tokenization

When you reset your UPI PIN, the information is transmitted securely through advanced encryption methods. Additionally, tokenization ensures that your UPI PIN remains protected even in transit.

B. Two-Factor Authentication

The combination of OTP and UPI PIN creates a robust two-factor authentication system, adding an extra layer of security to your digital payments. This dual verification process minimizes the risk of unauthorized access.

Advanced Security Features in UPI Apps

A. Biometric Authentication

Many UPI apps now incorporate biometric features, such as fingerprints or facial recognition, to enhance security. Biometric authentication adds a unique layer of protection, making it harder for unauthorized users to access your UPI account.

B. Device Binding

In the security game, UPI apps can bind themselves to a specific device. This means that transactions can only be authorized from the registered device, adding an additional safeguard against unauthorized access.

Cybersecurity Awareness for UPI Users

In an era of digital transactions, awareness is your best defense. Stay informed about common cyber threats related to UPI, such as phishing attempts. Recognizing potential risks and practicing online vigilance will contribute to a safer digital experience.

As technology advances, so does the landscape of UPI security. Keep an eye on emerging trends, such as advanced biometrics and artificial intelligence, which promise to further fortify the security of UPI transactions.


In conclusion, your UPI PIN is the linchpin of your digital transactions. Regularly resetting is a proactive step towards securing your financial interactions. By following our comprehensive guide, implementing advanced security features, and staying informed about cybersecurity, you ensure a robust defense against potential security threats.


How often should I reset my UPI PIN?

It’s advisable to reset your UPI PIN at least once every three to six months for enhanced security.

Can I reset my UPI PIN without a registered mobile number?

No, a registered mobile number is crucial for receiving OTPs and ensuring the security of the reset process.

What should I do if I forget my new UPI PIN after resetting?

If you forget your new UPI PIN, you can follow the same reset process outlined in this guide.

Is there a specific format for creating a secure UPI PIN?

While there’s no specific format, it’s recommended to choose a combination that includes numbers, letters, and special characters.

Can I reset my UPI PIN if I’ve changed my device?

Yes, you can reset your UPI PIN even if you’ve changed your device. Follow the same process on your new device.

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