UPI transactions have significantly changed our daily lives. Whether shopping at small stores or large malls, we now use UPI to make payments for our purchases.
Similarly, when sending money to someone, it’s crucial to ensure that their mobile number or UPI ID is correct for a smooth transaction.
For each UPI transaction, a 4 to 6-digit UPI PIN must be entered. In the past, setting this PIN required a debit card. However, setting a UPI PIN without a debit card is now possible. Let’s explore how this works.
Previously, creating a UPI PIN was a lengthy process. Now, several methods exist to generate this PIN. The UPI PIN can be created by entering a debit card’s card number and expiration date.
The National Payments Corporation of India (NPCI) has made it easier by providing an option to set up a UPI PIN without a debit card.
How to Set a UPI PIN?
There are two methods to set your UPI PIN:
- Using a Debit Card: When creating a UPI PIN with a debit card, you must provide the card number, expiration date, and the account holder’s name.
- Using Aadhaar OTP: You can also set your UPI PIN without a debit card using your Aadhaar number. First, ensure your mobile number is linked to your Aadhaar card and bank account.
Steps to Set a UPI PIN Without a Debit Card
To set a UPI PIN using your Aadhaar, follow these easy steps:
- Launch your UPI app and enter your bank account details.
- Select the UPI PIN settings option, then choose to set your UPI PIN.
- Select ‘Aadhaar’ and grant the necessary permissions.
- Enter the first six digits of your Aadhaar number.
- You will receive an OTP on your Aadhaar-linked mobile number. Enter this OTP.
- Click on the “Create New UPI PIN” button.
- Enter the OTP and your new UPI PIN again to complete the setup.
Following these simple steps, you can generate your UPI PIN without needing a debit card. Now, you can effortlessly make cashless transactions using UPI.
This guide lets you quickly set your UPI PIN and enjoy seamless cashless transactions using your mobile number and Aadhaar.