What is a UPI PIN in a bank?

A UPI PIN (Unified Payments Interface Personal Identification Number) is a secure 4 or 6-digit passcode used to authorize digital fund transfers from your linked bank account. You create this PIN during your first registration on any UPI-enabled app using your debit card details. Key features include:

• Authentication: It acts as a digital signature required for every transaction to ensure security.
• Confidentiality: It should never be shared with anyone, as it is the final step to debit money from your account.
• Uniqueness: The PIN is specific to each bank account linked within the UPI system.