How to Change UPI PIN: A Step-by-Step Guide

Unified Payments Interface (UPI) has modernised how India transacts digitally. Whether you have to send money to a friend or pay for groceries, UPI makes payments effortless. Central to the security of UPI transactions is the UPI PIN, a secret code designed to authenticate digital fund transfers.

Forgetting your UPI PIN can block you from making online payments. However, in such cases, you can easily change or reset it seamlessly. In this blog, we will guide you through how to change UPI PIN across different UPI platforms like Google Pay, Paytm, and more.

What is a UPI PIN?

UPI (Unified Payments Interface) is a payment system in India that allows you to transfer funds between bank accounts using only a UPI ID and a UPI PIN. Developed by the National Payments Corporation of India (NPCI), UPI eliminates the need for complex information like account numbers, IFSC codes, or net banking credentials.

A UPI PIN is a secure 4 to 6-digit numerical code used to authorize UPI payments. Linked directly to a specific bank account, it is essential to verify any fund transfer made through the UPI platform. The users themselves set the UPI PIN, and it is only known to the account holder.

Why is the UPI PIN Important?

The UPI PIN is of utmost importance for the following reasons:

• Transaction security: Your UPI PIN is a key security layer to authenticate payments.

• Prevent unauthorised access: Even if someone gets hold of your phone, the PIN prevents payments without your consent.

• Easy verification: It simplifies the process of confirming money transfers.

Ensure that you keep your UPI PIN confidential and update it frequently for added security.

How to change UPI PIN in Google Pay?

If you use Google Pay (GPay), here’s how to change your UPI PIN:

• Open Google Pay and tap your profile picture
• Click on ‘Payment methods’
• Choose the bank account for which you want to change the UPI PIN
• Tap on ‘More’ (three dots) and select ‘Change UPI PIN’
• Enter your current UPI PIN, then your new PIN
• Confirm the new PIN, and you’re all set

How to change UPI PIN in PhonePe?

For PhonePe users, changing your UPI PIN is just as simple:

• Open the PhonePe app and go to the ‘My money’ section
• In the ‘Bank accounts’ section, select the account to change the UPI PIN
• Tap on ‘Change PIN’
• Enter the last 6 digits of your debit card number and the expiry date
• Enter your current UPI PIN, followed by the new PIN of your choice
• Confirm the new PIN, and the change is complete

How to change UPI PIN in Paytm?

To change your UPI PIN on the Paytm app, follow these steps:

• Launch the Paytm app and tap on your profile
• In the left sidebar, scroll down and click ‘Payment settings’
• Select the bank account you want to change and tap ‘Change UPI PIN’
• Enter the last 6 digits of your debit card, its expiry date, and proceed
• Enter your old UPI PIN, then set and confirm your new PIN
• You will be notified of your UPI PIN change

How to change UPI PIN in BHIM App?

Here are the steps to change your UPI PIN in the BHIM app:

• Open the BHIM app and click on ‘Bank Account’
• Select the bank account for which you want to change the PIN
• Choose the ‘Reset UPI PIN’ or ‘Change UPI PIN’ option
• Enter the last 6 digits and the expiry date of your debit card
• An OTP will be sent to your mobile number. Enter it to verify
• Set your new UPI PIN and confirm it

FAQs on How to Change UPI PIN

1. How do I create a new UPI PIN?

   To create a new UPI PIN, open a UPI app (like Google Pay or PhonePe), go to bank account settings, select ‘Set UPI PIN’, enter the requested details of your debit card, and confirm your new PIN.

2. What happens if I enter the wrong UPI PIN multiple times?

   If you enter the wrong UPI PIN too many times, your UPI access may be temporarily locked as a security measure. You’ll need to wait or reset your PIN to unlock it.

3. Can I use the same UPI PIN across different apps?

   Yes, the UPI PIN is linked to your bank account, not the app. So, if you use multiple UPI apps like Google Pay and PhonePe for the same bank account, the UPI PIN remains the same.

4. How often should I change my UPI PIN?

   It's good to change your UPI PIN every few months, especially if you notice unusual activity or have shared your phone.

Changing your UPI PIN might sound like a small thing, but it plays a big role in keeping your digital payments secure. If you've forgotten your UPI PIN or simply want to enhance your account's security, follow the steps mentioned in the blog to reset or change it easily.

Practicing safe habits like keeping your PIN private, avoiding scams, and monitoring transactions can protect your finances. Stay one step ahead of fraud and keep your money safe—because smart payments start with strong PINs.

Also Read: 10 Ways to Protect Yourself from Bank Fraud