How can I activate UPI without going to bank?

You can activate UPI without physically visiting a bank by using your bank's mobile app or any UPI-enabled payment app. Download the app, enter your bank-registered mobile number, and verify it using the OTP. The app will fetch your bank account details. If you lack a debit card, some banks and apps, like Paytm, now allow Aadhaar-based OTP verification for setting up your UPI PIN.