How to Set up a UPI PIN Using an Aadhaar Card?

byDilip PrasadLast Updated: February 5, 2024
How to Set up a UPI PIN Using an Aadhaar Card?

In the era of digital transactions, the Unified Payments Interface (UPI) has revolutionized how we handle our financial interactions. At the core of UPI lies the UPI PIN, a vital secure element that validates transactions. Leveraging your Aadhaar card to establish your UPI PIN has the potential to be a transformative step, combining convenience with enhanced security. In the following article, we’ll guide you through the essential steps of setting up your UPI PIN using your Aadhaar card, ensuring you’re equipped for seamless and safeguarded mobile payments.

Set Up UPI PIN Using Aadhaar Card

Step 1: Select a UPI-enabled app from your bank

  • Open your smartphone’s app store.
  • Find your bank’s official UPI-enabled app.
  • If you haven’t already, download and install the app.
  • Launch the app and tap “Register” or “Sign Up.”
  • Enter the mobile number which is registered with your bank.
  • Enter the OTP (One-Time Password) that was delivered to your phone number.
  • Connect your bank account by giving the essential information.

Step 3: Obtain UPI services

  • Log in with your credentials in the app.
  • Navigate to the area for UPI services. Typically, this is available under choices such as “UPI,” “Payments,” or “Transactions.”

Step 4: Create a UPI PIN using your Aadhaar card

  • Select the option to create your UPI PIN.
  • Make “Using Aadhaar Card” your preferred method.

Step 5: Verify your identity with your Aadhaar card

  • Enter your Aadhaar number’s last six digits.
  • Your bank will make a request for verification to UIDAI (Unique Identification Authority of India).
  • An OTP will be sent to your registered mobile number connected to Aadhaar.

Step 6: Make your UPI PIN

  • In the app, enter the obtained OTP.
  • Set a 4-6 digit numeric UPI PIN that is easy to remember but difficult for others to guess.
  • Enter the UPI PIN again to confirm.

Step 7: Verify and begin doing transactions 

  • The app will confirm the successful setup once your UPI PIN has been entered.
  • You are now ready to begin safe transactions with UPI.

Step 8: Perform a small transaction test

  • Begin a tiny transaction with a trustworthy acquaintance or merchant to create trust.
  • When asked, enter the UPI PIN to authorise the transaction.

Step 9: Investigate additional UPI features

  • UPI also provides services other than payments, such as bill payments, recharges, and much more.
  • To make the most of UPI, become acquainted with these features.


To sum up, the Unified Payments Interface (UPI) has changed how we do digital transactions. The UPI PIN is crucial for secure transactions, and using your Aadhaar card to set it up brings both ease and safety. This article guided you through the steps of setting up your UPI PIN with your Aadhaar card. Now, you’re all set for quick and secure mobile payments, making your digital transactions smoother and more protected.


What is a UPI PIN and why does it matter?

A UPI PIN (Unified Payments Interface Personal Identification Number) is a 4-6 digit code that guarantees the security of your UPI transactions. It serves as a password for transaction authorisation, offering an extra degree of protection to your digital payments.

Can I set up a UPI PIN with my Aadhaar card?

Yes, you may set a UPI PIN for your bank account using your Aadhaar card. Many UPI-enabled applications allow you to set your UPI PIN using your Aadhaar card, which makes the procedure more convenient and safe.

Is it safe to set up a UPI PIN with an Aadhaar card?

Yes, using an Aadhaar card to create a UPI PIN is deemed safe. To validate your Aadhaar data, the procedure requires encryption and a secure connection with UIDAI (Unique Identification Authority of India). Furthermore, best practices such as avoiding revealing your UPI PIN and adopting a strong, unique PIN may enhance security even more.

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