Learn the new process to set UPI PIN using only your Aadhaar and OTP. A step-by-step guide for creating your UPI PIN without a physical debit card.

Set Your UPI PIN Using Aadhaar Card Instead of a Debit Card

You can create your Unified Payments Interface personal identification number using your Aadhaar credentials through the BHIM application or your bank's mobile service.

Setting Up UPI PIN Using Aadhaar Authentication

To create your unique payment identifier using Aadhaar, first ensure your Aadhaar is linked to your bank account and the same mobile number is registered with both. Open a supported payment application like BHIM, PhonePe, or GPay. Navigate to the "Add Bank Account" section and select your bank. The system will automatically fetch your account details via your mobile number.

When prompted for a method to create a new personal code, choose the "Aadhaar" option. You will be required to input the initial six digits of your 12-digit Aadhaar number for validation. Following this, an OTP (One-Time Password) will be dispatched to your Aadhaar-registered mobile number from the Unique Identification Authority of India (UIDAI). Enter this UIDAI-sent password.

After successful validation, you will receive a second OTP, this time from your bank. Input this bank-sent password. You will then be directed to a screen to establish your new 4 or 6-digit transaction authenticator. Confirm the chosen digits, and your payment authenticator creation process will be complete, enabling immediate transactions directly from your account.

Aadhaar-Based Authenticator Creation Steps
Step	Action Required	Key Detail
1	Select Bank & Choose Aadhaar Option	Your mobile number must match bank and Aadhaar records.
2	Enter Aadhaar Details	Provide the first 6 digits of your Aadhaar number.
3	Submit UIDAI OTP	A one-time password sent from UIDAI to your registered mobile.
4	Submit Bank OTP	A second one-time password sent from your banking institution.
5	Establish New Authenticator	Create and confirm your new 4 or 6-digit payment code.

Verifying Aadhaar linkage with your bank account

Confirm your Aadhaar is linked to your bank account directly through the Unique Identification Authority of India (UIDAI) portal. Navigate to the official UIDAI website and find the "Check Aadhaar/Bank Linking Status" service under the "My Aadhaar" section. You will need to enter your 12-digit Aadhaar number and the security captcha. An OTP will be dispatched to your registered mobile number. After entering the received OTP, the system displays the name of the bank most recently linked to your Aadhaar. If https://pixbet-login.app shows your intended bank, the connection is active.

Another method involves using the *99# USSD service. From your registered mobile number, dial *99*99*1#. This specific code is designed for checking the Aadhaar linkage status. After you enter your 12-digit Aadhaar number and confirm, the system will show if your account is seeded. If the service returns an error or indicates no linkage, you must visit your bank branch.

Alternatively, many banking applications feature a direct option to check this status. Open your bank's mobile app, go to the profile or services section, and look for an option like "Aadhaar Seeding" or "View Aadhaar Details". This will instantly show if your Aadhaar is connected to that specific account. For a physical confirmation, visit your bank branch with your Aadhaar document and passbook. Request a status check from a bank official. They can provide a definitive answer and initiate the linkage process if it's not already completed.

Step-by-step guide for creating a UPI PIN with Aadhaar OTP in the BHIM app

Initiate a new authentication code for your bank account in the BHIM application using your Aadhaar credentials by following this specific sequence:

Open the BHIM application on your smartphone.

Select your desired bank account from the main screen. Tap on it to view account options.

Choose the "Forgot Authentication Code" (or a similarly phrased option) to begin the reset procedure.

You will see two choices for verification: one for your ATM plastic and another for Aadhaar. Select the "Aadhaar Number" option.

Acknowledge the consent prompt. The application needs your permission to validate your details using the UIDAI database. Tap "Proceed".

Enter the final six digits of your 12-digit Aadhaar number for verification.

Your device will receive a one-time password (OTP) from UIDAI to the mobile number linked with your Aadhaar.

An additional OTP will be sent from your bank to the same mobile number.

Input both received OTPs in their respective fields. First the Aadhaar OTP, then the bank's OTP.

You will now be prompted to establish a new 4 or 6-digit confidential number. Enter your chosen digits.

Confirm the new confidential number by re-entering it on the next screen.

Your new transaction authentication code is now active. You can immediately use this new number for all financial transactions through the BHIM application for this specific account.

Requirement: Your bank account and Aadhaar must be linked to the same mobile number.

Compatibility: This feature's availability is dependent on your financial institution's support for Aadhaar-based authentication. Check the NPCI website for an updated list of participating banks.

Troubleshooting common Aadhaar OTP verification errors

Ensure the mobile number registered with your Aadhaar is the same one currently active in your smartphone. Mismatched numbers are the primary cause of One-Time Password delivery failure. Verify your linked number on the official UIDAI website using the 'Verify Email/Mobile Number' service. If it's incorrect, you must visit an Aadhaar Enrolment Center to update it; this change cannot be performed online.

If the mobile number is correct but the OTP doesn't arrive, check your device's network signal strength. Poor reception can delay or block SMS delivery. Move to an area with better coverage or toggle airplane mode on and off to re-establish a connection with the cellular network. Also, inspect your phone's messaging app for any active SMS blockers or spam filters that might be intercepting the message from UIDAI.

When you receive an "Invalid OTP" message despite entering the code correctly, it's often due to a time-out. Each Aadhaar OTP is valid for only 10 minutes. If you exceed this window, the code expires. Request a new one immediately. Attempting to use an old or expired OTP will consistently result in a verification failure. Be prepared to enter the code as soon as it arrives.

Multiple failed attempts can lead to a temporary block on your Aadhaar authentication. If you've tried several times unsuccessfully, wait for at least 30 minutes before initiating a new request. This cooling-off period allows the system to reset. Continuously requesting codes in rapid succession can be flagged as suspicious activity by the UIDAI system, extending the lockout duration.

For persistent issues where all the above checks pass, consider that the UIDAI servers might be experiencing high traffic or temporary downtime. You can check the status of Aadhaar online services through official channels or social media updates. If the service is down, the only solution is to wait and try the verification process again later.

Activating UPI Through Bank-Specific Net Banking Portals

Access your financial institution's internet banking dashboard to begin the Unified Payments Interface registration. Locate the section dedicated to payment services or value-added features. Within this menu, find the option labeled for managing your Virtual Payment Address (VPA) or Bhim registration. You will be prompted to create your unique VPA, which serves as your payment identifier, for example, yourname@bankhandle.

Following VPA creation, the portal will guide you to generate a transaction credential. This process typically involves authenticating your identity using your internet banking login password and a One-Time Password (OTP) sent to your registered mobile number. For some banks like HDFC, this action is found under the "Third Party Transfer" section, while for institutions like ICICI Bank, it is listed directly under a dedicated Unified Payments Interface management tab. This generated credential functions as your authorization key for all future transactions made through any compliant payment application.

After establishing the credential via the net banking portal, open your preferred payment application on your smartphone. Add your bank account. When the application requests the creation of a transaction authorization key, select the option indicating you already possess one. Enter the credential you formulated on the bank's website. This final step syncs your net banking-generated authorization key with the mobile application, completing the linkage and enabling instant fund transfers. No physical plastic money is required for this entire procedure.

How to set up upi pin without debit card

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