In a transfer to empower extra individuals to make use of digital and cashless funds, the National Payments Corporation of India (NCPI) has give you a system to allow UPI funds even with out holding a debit card. Known because the Aadhaar card-based UPI PIN service, customers registering with this service can provoke UPI funds just by linking their Aadhaar quantity with the involved checking account. With the service already reside on some apps and banks, on this information we’ll take you thru the step-by-step process on how one can set a UPI PIN with out a debit card and garner all the advantages of UPI-based funds. So with none additional ado, let’s start.

What is Aadhaar card-based UPI PIN service?


In order to make the UPI infrastructure extra handy for the customers, the federal government has give you a service that can permit UPI ID holders with out a debit card to pay different people and retailers. With this UPI-based fee system, customers can hyperlink their UPI ID with an Aadhaar card as a substitute of a debit card, which at all times has been the standard means. The prerequisite right here is that UPI ID holders want to make sure they’ve registered the identical cell quantity with each their Aadhaar card and checking account. With this service in place, the federal government goals to encourage individuals with out a debit card to execute cashless transactions through UPI and in flip cut back the burden of carrying round money even for micropayments.

How to set UPI PIN utilizing Aadhaar card on PayTM, Google Pay, and extra

The UPI governing authority, National Payments Corporation of India (NCPI) has laid out a easy process for any particular person to set a UPI PIN through linking their Aadhaar card with a UPI ID. The course of is as follows.

  • Download BHIM UPI or any UPI-enabled app equivalent to PayTM, Google Pay, PhonePe and so on. from the Google Play Store or App Store
  • Open the app and discover the choice so as to add a UPI ID. Subsequently, you’ll be required to pick your registered checking account
  • Now create a UPI ID in response to the app’s requirement and verify its availability
  • Once you’ve give you a UPI ID, within the subsequent step choose ‘Aadhaar based verification’ and settle for & conform to all of the phrases and situations

  • Moving forward, you’ll be required to validate your Aadhaar quantity by getting into the primary 6 digits on the Aadhaar card. Once finished, hit ‘confirm’
  • Next, you may set a 4-digit or 6-digit UPI PIN relying upon the app you’re establishing the Aadhaar primarily based UPI ID
  • Now it’s possible you’ll obtain an OTP on the cell quantity linked together with your Aadhaar card. Enter the OTP quantity by typing it if it’s not auto-fetched by the app
  • To finish the Aadhaar-based UPI ID registering course of, enter the UPI PIN you had set earlier for the ultimate affirmation.
  • Once finished and verified, now you can use the newly created UPI ID to make funds to any UPI-enabled cell quantity and scan QR codes as properly

Do notice that this Aadhaar card-based UPI PIN service will not be out there to register inside all UPI-based apps. Also, the consumer’s financial institution additionally must allow the service from their finish to permit checking account holders to create and register for UPI through Aadhaar-based verification. So far solely 11 banks have enabled the choice to generate a UPI pin utilizing Aadhaar card. 

Which banks help the Aadhaar-based UPI PIN service?

Currently, there are a handful of banks that help the brand new Aadhar-based UPI PIN service. If you’ve acquired a checking account in one in every of these banks, it’s best to be capable of set and register your UPI PIN through Aadhar card. The banks are as follows.

  • Central financial institution of India
  • Cosmos Cooperative Bank
  • IndusInd Bank
  • Kerala Gramin Bank
  • Karnataka Gramin Bank
  • Canara Bank
  • Karur Vysya Bank
  • Rajasthan Cooperative Bank
  • UCO Bank
  • Punjab Sind Bank
  • Suryoday Small Finance Bank Ltd

To arrange and create an Aadhaar linked UPI ID, you may obtain the BHIM UPI app from the Play Store and App Store and choose one of many aforementioned banks.


1. How is Aadhaar card UPI PIN completely different from debit card?

Since the inception of UPI, a consumer prepared to create a UPI ID is at all times required to have a debit card or a bank card (added later) with a purpose to reap its advantages. But with the introduction of the Aadhaar-based UPI PIN service, the best way UPI is used may change for the reason that newly made system doesn’t require the checking account holder to have any debit card. All the funds made through this UPI service will likely be straight routed from a checking account to the payee’s account. An Aadhaar primarily based UPI ID additionally brings a number of advantages to the consumer equivalent to making UPI funds to others even with out a debit card, or completely eliminating a debit card and going all in with cashless funds through UPI which in flip can save up on annual upkeep prices charged by the financial institution for sustaining a debit card.

2. Are there any hidden prices for utilizing or paying by way of Aadhaar card-linked UPI?

No, all UPI-based providers at present in operation are freed from cost regardless of the third occasion UPI enabled app you utilize for making and receiving funds. Furthermore, the Finance Ministry has claimed “UPI is a digital public good with immense convenience for the public and productivity gains for the economy. There is no consideration in Govt to levy any charges for UPI services. The concerns of the service providers for cost recovery have to be met through other means.” With this assertion, customers can relaxation assured no extra prices must be borne by them for utilizing the Aadhaar card-based UPI PIN service or any UPI-related service for that matter.


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Published by Mahesh Darji

Hello, I'm Mahesh Darji, a student from Montreal with a passion for technology and a love for discovering new products. As the founder of Reviews Duniya, I created this website to share my knowledge and help others make informed decisions about the products they purchase. My goal with Reviews Duniya is to provide honest and unbiased reviews of the latest products and services. I believe that consumers deserve to know the truth about the products they're considering, and my team and I are committed to testing each product thoroughly and providing detailed feedback. I'm excited to be on this journey with you, and I look forward to sharing my insights with you through Reviews Duniya. Whether you're looking for the latest tech gadget or the best beauty product, I hope you'll find the information you need on our website. Thank you for visiting!

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