Setting up your UPI PIN has become easier than ever, and now you can do it without a debit card! The National Payments Corporation of India (NPCI) offers a simple solution using your Aadhaar-linked mobile number. Here’s a quick guide on how to get started.

UPI: A Convenient Way to Make Payments

Unified Payments Interface (UPI) has revolutionized the way we make everyday transactions. Whether you’re paying for groceries or sending money to a friend, all you need is the recipient’s mobile number or UPI ID. However, every UPI transaction requires authentication through a 4-6-digit UPI PIN. While setting up this PIN traditionally required a debit card, you now have an alternative.

Two Ways to Set Your UPI PIN

There are two methods to create a UPI PIN:

1. Using a Debit Card

2. Using Aadhaar OTP

Let’s focus on how to set up your UPI PIN without a debit card by using Aadhaar OTP.

Requirements for Setting UPI PIN via Aadhaar OTP

Before you begin, make sure:

1. Your mobile number is linked to your Aadhaar.

2. Your mobile number is registered with your bank account.

Step-by-Step Guide to Set UPI PIN Without a Debit Card

Follow these easy steps to set up your UPI PIN using your Aadhaar:

1. Open UPI App: Launch your UPI app and enter your bank account details.

2. Choose UPI PIN Setup: Select the option to set your UPI PIN.

3. Select the Aadhaar Option: When given a choice, select the ‘Aadhaar’ option and provide your consent.

4. Aadhaar Verification: Enter the first six digits of your Aadhaar number to proceed.

5. OTP Authentication: You will receive an OTP on the mobile number linked to your Aadhaar. Enter the OTP to verify.

6. Create Your UPI PIN: Once verified, you will be prompted to create a new UPI PIN.

7. Confirm: Re-enter the OTP and your UPI PIN to finalize the setup.

And that’s it! You’ve successfully created your UPI PIN without needing a debit card. Now you’re ready to make seamless UPI transactions effortlessly.