Changing your UPI PIN is a simple security step, but sometimes users face errors or are unable to update it for several reasons. Understanding why this happens helps you fix the issue quickly and keep your payments secure.
Common Reasons You Can’t Change Your UPI PIN
Incorrect Debit Card Details
UPI PIN creation and change require correct debit card information.
If the card number or expiry date is wrong, the system blocks the process.
Unsupported or Expired Debit Card
UPI works only with active, valid debit cards.
If your debit card has expired or is not UPI-enabled, you won’t be able to set or change the PIN.
Bank Server Downtime
Sometimes bank servers may be unavailable due to maintenance or temporary issues.
During this time, changing your UPI PIN will fail automatically.
SIM Not Inserted in the Registered Mobile
Your UPI app verifies your number using the SIM linked to your bank account.
If that SIM is not in the phone, or you are using a different number, UPI PIN changes won’t work.
SMS Permission Not Allowed
UPI needs to send an SMS to verify your mobile number.
If SMS permissions are disabled or your phone lacks balance to send SMS, the PIN change will fail.
Daily Limit for PIN Changes
Banks impose a limit on the number of times you can change your UPI PIN in a day.
If you exceed this limit, you must wait 24 hours to try again.
Incorrect OTP Entry
Entering the wrong OTP multiple times causes the system to temporarily block PIN modification for security reasons.
Recent SIM Swap or Device Change
If you recently changed your SIM card or phone, banks may temporarily restrict UPI PIN changes to prevent fraud.
How to Fix Issues While Changing Your UPI PIN
Check Your Debit Card Status
Ensure your debit card is active and not expired.
Insert the Registered SIM
Only the mobile number linked to your bank account will work.
Allow Required Permissions
Give the UPI app access to SMS, phone, and network.
Maintain SMS Balance
At least one outgoing SMS is needed for verification.
Wait for 24 Hours if Blocked
If you attempted multiple incorrect tries, wait for the cooling period to reset.
Try Again After Server Issues
If the bank server is down, wait a few minutes and retry.
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