How to Reset UPI PIN in PhonePe App (Step-by-Step Guide 2025)
How to Reset UPI PIN in PhonePe App (Step-by-Step Guide 2025)
Updated for 2025 | Works for all banks linked with PhonePe
Introduction
If you use the PhonePe app for money transfers, bill payments, or online shopping, you must have a UPI PIN (a 4 or 6-digit secret code) linked with your bank account.
But what if you forget your UPI PIN or it stops working? Don’t worry — resetting your UPI PIN in PhonePe is very easy.
This guide will show you how to reset or change your UPI PIN step-by-step, even if you don’t remember the old one.
What Is a UPI PIN?
A UPI PIN (Unified Payments Interface Personal Identification Number) is a 4 or 6-digit secret code used to authorize money transfers and payments from your bank account.
Every bank account linked with PhonePe has its own UPI PIN.
When You Need to Reset Your UPI PIN
You should reset your UPI PIN if:
✅ You forgot your current UPI PIN.
✅ You entered the wrong PIN multiple times and your account got locked.
✅ You changed your mobile number linked with the bank.
✅ You just want to change your PIN for security reasons.
Requirements Before Resetting UPI PIN
Before you start the process, make sure you have:
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Your PhonePe app updated to the latest version.
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The mobile number linked with your bank account (SIM must be in the same phone).
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Debit/ATM card details of the linked bank account (last 6 digits and expiry date).
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Stable internet connection (mobile data or Wi-Fi).
Step-by-Step Process to Reset UPI PIN in PhonePe
Follow these simple steps carefully 👇
Step 1: Open PhonePe App
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Launch the PhonePe app on your Android or iPhone.
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Make sure you are logged in with your registered mobile number.
Step 2: Go to “Bank Accounts” Section
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Tap on the profile icon (top left corner).
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Select “Bank Accounts”.
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You’ll see the list of bank accounts linked with your PhonePe app.
Step 3: Choose the Bank Account
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Tap the bank account whose UPI PIN you want to reset.
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It will open the account details.
Step 4: Tap on “Reset UPI PIN”
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Under the selected bank account, tap “Reset UPI PIN”.
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You will be asked to enter your debit/ATM card details.
Step 5: Enter Debit Card Details
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Enter the last 6 digits of your debit card number.
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Enter the expiry date (MM/YY).
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Tap “Continue”.
Step 6: Verify OTP
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You will receive a One-Time Password (OTP) on your registered mobile number.
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Enter the OTP correctly in the given box.
Step 7: Create New UPI PIN
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Now enter your new 4 or 6-digit UPI PIN (as per your bank’s rule).
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Re-enter it to confirm.
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Tap on Submit / Confirm.
Step 8: UPI PIN Reset Successful!
You’ll see a success message:
“UPI PIN successfully set.”
Now your new PIN is ready to use for all payments, transfers, and online transactions.
Tips for Choosing a Strong UPI PIN
🔹 Don’t use your birth date or easy numbers like 1234.
🔹 Use a random combination of digits.
🔹 Never share your UPI PIN with anyone.
🔹 Avoid writing it down — memorize it.
Troubleshooting — Common Problems During UPI PIN Reset
| Problem | Possible Reason | Solution |
|---|---|---|
| OTP not received | Network issue or SIM not active | Try again after a few minutes or restart your phone |
| “Card details invalid” error | Wrong digits entered | Recheck your debit card number and expiry date |
| “Unable to reset PIN” | Server error | Wait for 5–10 minutes and retry |
| SIM not detected | Bank-linked SIM not in same phone | Use the phone with the registered SIM inserted in SIM slot 1 |
What is UPI PIN? Complete Explanation (2025 Guide)
In today’s digital world, online transactions have become an essential part of our daily lives. Whether it’s sending money to a friend, paying electricity bills, or shopping online — everything can now be done in just a few taps. One of the most important technologies that made this possible is UPI (Unified Payments Interface). And at the heart of every UPI transaction lies a crucial security feature known as the UPI PIN.
🔹 What is a UPI PIN?
UPI PIN (Unified Payments Interface Personal Identification Number) is a 4 or 6-digit secret code that you create while setting up your UPI account. It is used to authorize all your UPI-based transactions — whether you are sending money, checking your account balance, or paying at a merchant shop.
You can think of your UPI PIN just like your ATM or debit card PIN — it is a personal password that confirms your identity and ensures that only you can access your bank account through the UPI app. Without entering the correct UPI PIN, no money can be transferred from your account.
🔹 Why is the UPI PIN Important?
The UPI PIN acts as a security shield for your bank account. Since UPI transactions are instant and take place 24×7, the PIN ensures that even if someone gets access to your mobile phone, they still cannot send money without knowing your secret PIN.
Here are a few key reasons why UPI PIN is so important:
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Security – It prevents unauthorized access to your account.
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Verification – Every time you make a payment, your bank verifies the transaction using this PIN.
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Authentication – It ensures that the transaction request is made by you, not anyone else.
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Convenience – Once your PIN is set, you don’t need to use OTPs or passwords for every transfer.
🔹 How to Set Up a UPI PIN?
Setting up your UPI PIN for the first time is quite simple. Here’s the step-by-step process (it works similarly across apps like PhonePe, Google Pay, BHIM, and Paytm):
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Open your UPI app and go to “Bank Account” or “Add Bank Account.”
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Select your bank name from the list.
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The app will automatically fetch your bank account details linked to your mobile number.
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Click on “Set UPI PIN” or “Create PIN.”
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Enter the last six digits of your debit card number and the expiry date.
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You’ll receive an OTP (One Time Password) on your registered mobile number.
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Enter the OTP and create your 4 or 6-digit UPI PIN.
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Confirm the PIN by re-entering it.
That’s it — your UPI PIN is now created, and you can start making secure digital payments instantly.
🔹 When Should You Change or Reset Your UPI PIN?
You should reset or change your UPI PIN in the following cases:
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If you forgot your existing UPI PIN.
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If you think someone else might know your PIN.
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If your mobile phone is lost or stolen.
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As a good practice, change your PIN periodically for extra security.
Every UPI app provides a simple “Reset UPI PIN” option under settings or bank account details. You just need your debit card details and registered mobile number to generate a new PIN.
🔹 Tips to Keep Your UPI PIN Safe
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Never share your UPI PIN with anyone — not even with your bank.
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Do not enter your PIN on suspicious websites or apps.
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Avoid saving your PIN in your phone’s notes or gallery.
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Use biometric lock or screen lock on your phone for added protection.
Conclusion (Nishkarsh)
Resetting your UPI PIN in PhonePe is a safe and quick process.
All you need is your debit card details, registered mobile number, and a few minutes.
Just follow the step-by-step guide above, and you can easily create a new UPI PIN even if you’ve forgotten the old one.
Always remember: your UPI PIN is private — don’t share it with anyone, not even with PhonePe or bank employees.
FAQ – Frequently Asked Questions
Q1: Can I reset UPI PIN without a debit card?
➡️ No, you must have your debit card linked to the bank account to reset your UPI PIN.
Q2: Can I reset my UPI PIN if my number is changed?
➡️ You’ll first need to update your new number at your bank branch, then register again on PhonePe.
Q3: Is resetting UPI PIN safe?
➡️ Yes, it’s 100% safe if you do it within the official PhonePe app. Never share OTP or PIN with anyone.
Q4: How many times can I reset my UPI PIN?
➡️ There’s no limit, but for security, don’t change it too often unless necessary.
Q5: What to do if I still can’t reset the UPI PIN?
➡️ Contact PhonePe Customer Care via the app → Help → Bank Account Issues → UPI PIN → “Contact Support”.
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