Are ATM card PIN and UPI PIN the same?

No, the ATM PIN and UPI PIN are different security codes. An ATM PIN is typically provided by your bank and is used for physical debit card transactions, like cash withdrawals at an ATM or purchases at a Point of Sale (POS) terminal. The UPI PIN is set up by the user when registering for a UPI service and is used to authorize digital payments and money transfers via a UPI application, such as Paytm. They serve distinct purposes for securing different transaction types.