Is the UPI PIN the same as an ATM PIN?

No, your UPI PIN and ATM PIN are different security codes used for distinct purposes. While both are linked to your bank account, they serve different functions:

• UPI PIN: Set by the user to authorize digital payments and money transfers via mobile apps.
• ATM PIN: Issued by the bank to facilitate physical transactions, such as cash withdrawals at ATMs or payments at merchant terminals.

Maintaining separate PINs enhances security by ensuring that a compromise in one channel does not automatically expose your entire account.