For this you only need to have a registered mobile number or UPI ID. But for every UPI transaction you need a 4 or 6 digit UPI PIN, which confirms that the person making the payment is the right person. Till now, traditionally, a debit card was used to set the PIN, but now you have another option. And that option is your Aadhaar card.

Yes, you can set UPI PIN even without your debit card. In fact, very few people know that National Payments Corporation of India (NPCI) gives you two options to set UPI PIN. The first is the option of debit card and the second is the option of setting PIN through Aadhaar Card. Let us tell you how you can set your PIN number even without a debit card.

Here are the things required to set UPI PIN through Aadhaar card :

1. Your phone number must be linked to your Aadhaar number.

2. Your mobile number must be registered with your bank account.

How to set UPI PIN without debit card :

1. Open the UPI app and enter your bank account details.

2. Select the option to set up UPI PIN.

3. In this you have to select the Aadhaar option.

4. Enter the first 6 digits of the Aadhaar number to verify.

5. An OTP will come on your mobile, enter it.

6. You will be asked to create your UPI PIN.

7. Set up a new PIN and re-enter the OTP and your UPI PIN.

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It is possible to change UPI PIN even without debit card

Let us tell you that changing the PIN from time to time reduces the possibility of fraud. Earlier, you had to use a debit card to change the UPI PIN, but now it is possible to change the PIN even without it, but for this you must have an Aadhaar card. Let us tell you that the National Payment Corporation of India (NPCI) has allowed setting UPI PIN through Aadhaar card. After this change, digital transactions will become even easier and more and more people will be able to take advantage of the UPI payment system.

Step by step process to set UPI PIN with Aadhaar card

If you want to set UPI PIN without debit card, then first check that your mobile number is linked to your Aadhaar card and the same mobile number should also be registered in your bank. Because if you do not have the same mobile number registered in the bank or Aadhaar card, then you will not be able to take advantage of this facility. If you have the same mobile number registered in both the bank and Aadhaar card, then you can set your PIN by following the steps given below

Step 1- First of all open the UPI app on your smartphone and then link your bank account to the app

Step 2- After adding the bank account, select the option to set UPI PIN.

Step 3- Now you will see two options, Debit Card and Aadhaar OTP.

Step 4- From both the options, choose the option of setting UPI PIN through Aadhaar OTP.

Step 5- After this, validate your Aadhaar by entering the first six numbers of your Aadhaar.

Step 6- Then an OTP (One-Time Password) will be sent to the mobile number registered in your bank account, which you will have to enter and verify.

Step 7- After OTP is verified, you will get the option to set a new UPI PIN. In this way, you can set your UPI PIN even without the help of a debit card.

Change in UPI transaction limit

Let us tell you that the government also wants more and more people to use UPI transactions. Recently, RBI has increased the transaction limit of UPI Lite from Rs 500 to Rs 1000 per transaction. At the same time, the limit of UPI Lite Wallet has also been increased from Rs 2000 to Rs 5000. Not only this, the Reserve Bank of India has increased the transaction limit of UPI 123 PAY from Rs 5,000 to Rs 10,000 per transaction.

Under the new rules, now you can make UPI payments up to Rs 5 lakh per transaction for three categories: Consumer Tax Payment, Hospital and Educational Services and IPO and Government Securities.

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To authorize any transaction through the payment app, a UPI PIN is required which is set by the user. Users need to link their bank account with UPI apps including PhonePe, Paytm and Google Pay and set up a PIN at the same time.

Very important UPI PIN:

If you think that your UPI PIN has been tampered with, you can reset the UPI PIN using UPI apps including Google Pay, BHIM and PhonePe. However, to reset the UPI PIN, you must also have a debit card with you. But if you do not have a debit card and still want to change your UPI PIN, today we are telling you the easy way.

Change your UPI PIN without debit card:

Step 1: Open the Paytm app and click on the profile icon.

Step 2: Tap on UPI & Payment Settings.

Step 3: Open the UPI & Linked Bank Accounts menu.

Step 4: Select the bank account and then tap on Change PIN.

Step 5: Then there will be an option given below I remember my old UPI PIN, tap on it.

Step 6: After this enter your old PIN and set new PIN.

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The total number of UPI transactions in October 2022 crossed the figure of 730 crore with an increase of 7.7 percent, which was valued at Rs 12.11 lakh crore. Let us tell that in September 2022, there were a total of 678 crore UPI transactions, whose value was Rs 11.16 crore. Where on one hand the use of UPI is increasing in the country, on the other hand there is an increase in the cases of frauds due to it.

UPI PIN is never required to receive money

In most of the cases of fraud through UPI, it is seen that people fall for the fraudsters without thinking and enter their 4 or 6 digit UPI PIN to receive the reward amount in their account. Let’s put After entering the UPI PIN, when the money goes away instead of coming into their account, then they come to know that they have become a victim of cyber fraud.

Users transacting through UPI should always keep in mind that we do not need to enter UPI PIN to receive money anytime. UPI PIN is always entered for payment.

Never enter a UPI pin to receive money.#UPI #becybersafe #cybersecurityawareness #cyberfraud #cybersecurity #cybercrime #cybersafe #JagoGrahakJago #AapkiApniJagriti@PiyushGoyal @AshwiniKChoubey @SadhviNiranjan @rohitksingh @IndianStandards @PIB_India @mygovindia @upichalega pic.twitter.com/vEI1MDLO1H

— Consumer Affairs (@jagograhakjago) November 17, 2022

Ministry of Consumer Affairs warned

The Ministry of Consumer Affairs has warned people to beware of fraudsters and cyber scams through UPI. The Department of Consumer Affairs has also told in a tweet on its official Twitter account that never enter UPI PIN to receive money through UPI. If you do this then all your hard earned money deposited in your bank account can be wiped out in a jiffy and you will be left with no other option but to repent.

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According to the recent decision taken by the Reserve Bank of India (RBI), there will be no fee on UPI for transactions up to Rs 2,000 on the use of Rupay Credit Card. Instructions have been given in this regard in the recently issued circular by RBI.

Let us tell you that the order of the circular came into effect from October 4,
Rupay credit card is in circulation for the last four years. All the major banks of the country are connected to it. RBI’s circular issued on Tuesday (October 4) said, ‘The process of linking the credit card on the app and generating the UPI PIN requires the consent of the customer to enable the credit card in all types of transactions.’

2,000 or less, NPCI said the existing process of the app for international transactions would be applicable to credit cards as well. It also said that zero merchant concessional rate (MDR) will be applicable for this category up to transaction amount of Rs 2,000 or less.

In the information given by RBI, it was said that this circular will be applicable from the date of issue. That is, this rule has come into effect from 4 October. RBI also said that members are requested to take note of this and bring the contents of this circular to the notice of the concerned stakeholders.

RBI Deputy Governor T Ravi Shankar had earlier said, “The purpose of linking credit cards with UPI is to provide a wider choice of payment options to the customer. Presently UPI is linked to savings accounts or current accounts through debit cards.

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A UPI PIN (a four or six digit number set by the user) is required to authorize any transaction through the payment app. Users will have to set the PIN while linking their bank accounts with UPI apps including PhonePe, Paytm and Google Pay.

Your UPI PIN has been compromised?

You can reset the UPI PIN using UPI apps including Google Pay, BHIM and PhonePe. Users can select a bank account on the Google Pay app and select ‘Forgot UPI PIN’ to reset. But they may have to enter their debit card details. However, unlike the first time, users can modify their UPI PIN without entering their debit card details on Paytm with their previous PIN.

How to change your UPI PIN on Paytm:

• Step 1: Open Paytm App and Click on Profile Icon.
• Step 2: Select ‘UPI & Payment Settings’ which will direct you to the payment settings.
• Step 3: Open the ‘UPI & Linked Bank Accounts’ menu.
• Step 4: Select the bank account and tap on the text ‘Change PIN’.
• Step 5: Click on “I remember my old UPI PIN” option and enter the PIN.
• Step 6: Now set a new PIN and confirm the change.

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Verify UPI ID before transacting

Before making any payment, verify the UPI ID twice. Similarly, whenever you are getting money, always share the correct UPI ID.

This will help you avoid wrong transactions and send money to someone else. You can send or receive as little as Rs 1 for confirmation.

Never share your UPI PIN with anyone

Never share your 6 or 4 digit UPI PIN with anyone. Scammers asking for your card/bank account details including PIN, OTP, Password etc., pretending to be a bank person. So make sure you never share this sensitive information with anyone.

Have proper security on your phone

Your screen must be locked before you can use all UPI, including Gpay and PhonePe. The lock screen reduces the chances of fraud in case the phone is stolen or misused. It is also suggested to change the lock screen password frequently.

Avoid using more than one UPI app

Using multiple UPI apps is of no use. Instead, it leads you to make a mistake. Hence, it is better to use the same UPI ID.

Do not click on unverified links

You may receive fraudulent links on your phone via SMS, WhatsApp or email. Avoid clicking on links that aren’t verified or seem phishy, ​​instead delete them.

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