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How to reset your UPI password without a debit card

Key Takeaways

  • Several banks now allow customers to reset their UPI PIN using Aadhaar authentication, eliminating the need for a debit card. This makes the process more convenient and hassle-free.
  • Users can reset their UPI PIN by entering the first six digits of their Aadhaar number and authenticating the process via an OTP received on their registered mobile number.
  • Ensuring that the mobile number is linked to both the Aadhaar card and bank account allows for smooth authentication and secure transactions without interruptions.
27 May 2025 by Team FinFIRST
Rest of UPI Password
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Unified Payments Interface (UPI) is a seamless digital payment system from NPCI (National Payments Corporation of India) that enables instant fund transfers between bank accounts using a mobile device. It eliminates the need for traditional banking details, offering a fast and secure transaction experience. To ensure security, every UPI transaction requires a UPI PIN, a unique code that authorises payments. If you forget your UPI PIN or need to reset it for security reasons, banks offer multiple methods, including debit card or Aadhaar OTP-based authentication. Read on to learn how to reset your UPI PIN without a Debit Card. 

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How to reset UPI PIN without a debit card?


A few banks now allow users to change their UPI PIN through Aadhaar authentication. Rather than using their debit card, customers may enter the first six digits of their Aadhaar number and authenticate through OTP. This is hassle-free and more convenient for users who do not always have their debit card handy.

Here are the steps to follow for your question, ‘How to set a UPI PIN without a debit card?’


1. Open any UPI app (PhonePe, Gpay, etc.) that you use.

2. Navigate to the section where your linked bank accounts with UPI are displayed.

3. Choose the option to set or reset your UPI PIN for the desired bank account.

4. Click on Aadhaar based verification.

5. Enter the first six digits of the Aadhaar number in the given field.

6. Enter the OTP received on the registered mobile number linked with your Aadhaar and bank account.

7. After successful verification, create a new PIN and confirm it.

Always ensure that your mobile number is linked to both your Aadhaar and bank account to facilitate seamless authentication.

Modern banking is all about convenience—resetting your UPI PIN without a debit card ensures uninterrupted access to secure digital payments.


Secure digital transactions with IDFC FIRST Bank


With RBI’s advancements in UPI infrastructure, resetting your UPI PIN without a debit card is faster and more convenient. A well-suited Savings Account ensures that your digital payments remain secure.

IDFC FIRST Bank offers a Savings Account with ₹10,000 AMB (Average Monthly Balance) for customers who rely on UPI payments. It provides zero-fee banking on IMPS, RTGS, NEFT, and UPI payments along with daily transaction limits of up to ₹4 lakhs and a cash withdrawal limit of ₹1 lakh via debit card. Moreover, UPI PIN generation/reset is immediate with Aadhaar authentication. Additionally, the interest credits for the month help users save more money.

For customers requiring more banking privileges, another variant of a savings account with ₹25,000 as AMB is the ideal choice. It takes digital transactions to newer heights with higher purchase limits allowing daily transactions of up to ₹6 lakhs and cash withdrawals of up to ₹2 lakhs per day via debit card. The account is secure with multi-factor authentication, offering fraud-free transactions. It also offers complimentary discounts and vouchers periodically for its users, with unlimited ATM withdrawals.

Conclusion


With online payments being the backbone of everyday transactions in this era, UPI PIN change without a debit card resolves payment issues quickly. The right savings account choice only enhances the experience.

IDFC FIRST Bank Savings Accounts provide smooth digital payments. Having a bank account that is quick, safe, and easy to transact is of utmost importance in the digital payments industry.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.

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