Changing your UPI PIN is a good security practice, but there is a limit to how many times you can do it. Banks place these restrictions to prevent misuse, fraud, or suspicious activity on your account. Understanding these limits helps you avoid temporary blocks and ensures smooth UPI access.
How Many Times Can You Change Your UPI PIN?
Limited Attempts Per Day
Most banks allow only a limited number of UPI PIN changes within 24 hours.
If you exceed that number, you’ll be blocked from trying again until the next day.
Reason Behind the Limit
This limit is designed to:
- Prevent unauthorized access
- Reduce risk after a device theft or SIM swap
- Avoid repeated incorrect PIN resets that look like fraud attempts
What Happens If You Try Changing the PIN Too Many Times?
Temporary Lock on PIN Change
If you exceed the allowed attempts, the system places a temporary restriction.
You’ll need to wait 24 hours before trying again.
OTP or Verification Failure
Multiple failed attempts may also lead to temporary OTP blocks for your safety.
Situations That May Trigger Additional Restrictions
Recent Device or SIM Change
If you recently changed your phone or SIM card, the system may limit PIN updates temporarily.
Multiple Incorrect Debit Card Entries
Entering wrong debit card details while trying to change the PIN can trigger additional security blocks.
Suspicious Activity on the Account
Unusual login attempts or device switches may cause banks to restrict PIN changes for a short period.
Tips to Avoid Hitting the Limit
Keep Your Debit Card Details Handy
Correct card number and expiry date ensure smooth verification.
Ensure SMS Verification Works
Keep SMS permissions enabled and maintain enough balance to send verification messages.
Wait If You’re Blocked
If you’ve hit the limit, avoid repeated attempts—wait 24 hours for the system to reset.
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