How To Set UPI PIN Without Debit Card: Step-By-Step Guide
Very few people know that the NPCI offers two options for setting a UPI PIN; one through the traditional debit card method and the other using an Aadhaar card

There is no doubt that the Unified Payments Interface (UPI) has transformed the world of daily transactions. Where once everyone used to carry cash, now a mobile phone is all you need. From buying groceries to sending money to someone, UPI allows you to complete transactions in seconds. All you need is a registered mobile number or UPI ID.
However, for every UPI transaction, one must enter a four or six-digit UPI PIN, which verifies that the payment is being made by the rightful user. Traditionally, a debit card has been used to set this PIN, but now there is another option — an Aadhaar card.
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Surprisingly, very few people know that the National Payments Corporation of India (NPCI) offers two options for setting a UPI PIN: the traditional debit card method and an alternative using an Aadhaar card. Here is how you can set your PIN without a debit card.
Essential Requirements For Setting A UPI PIN Via Aadhaar:
- Your phone number must be linked to your Aadhaar number.
- Your mobile number must be registered with your bank account.
Steps To Set A UPI PIN Without A Debit Card:
- Open your UPI app and enter your bank account details.
- Select the option to set up a UPI PIN.
- Choose the Aadhaar option.
- Enter the first six digits of your Aadhaar number for verification.
- Enter the OTP you have received on your registered mobile number.
- You will then be asked to create a UPI PIN.
- Set up a new PIN, re-enter the OTP, and confirm your UPI PIN.
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