How to use UPI without an ATM card?

You can use UPI without an ATM or debit card by using Aadhaar-based OTP authentication. This feature, introduced by NPCI, allows you to set or reset your UPI PIN using your Aadhaar details. To set up your account:

• Select the Aadhaar-based verification option in your UPI app.
• Enter the first six digits of your Aadhaar number.
• Validate the request using the OTPs received on your mobile number registered with both Aadhaar and your bank.
• Create your secure UPI PIN to start making digital payments.