How to create a UPI PIN without an ATM card?

You can create a UPI PIN without an ATM card by using your Aadhaar details, provided your mobile number is linked to both your bank account and Aadhaar.

• Select your bank account in a UPI-enabled app and choose the Set PIN option.
• Choose the Aadhaar Card option for verification instead of a debit card.
• Enter the first six digits of your Aadhaar number as prompted.
• Input the OTPs received from both UIDAI and your bank for verification.
• Create and confirm your new 4 or 6-digit UPI PIN to complete the setup.