UPI Without Debit Card: How to Set & Reset UPI PIN Without Debit Card

In India, you would notice that most vendors now accept digital payments, no matter how small the business. From small vendors not even having a bank account to everyone now using digital payment modes, we have come a long way. And this has been possible because of UPI. Unified payment interfaces at our disposal today have become extremely convenient, helping us go completely digital. For example, did you know that you no longer need a debit card to set or reset the UPI PIN?

In this article, we explore how to set UPI without debit card. Let’s get started.

Can I Use UPI Without Debit Card?

Users may now register for UPI even if they do not have debit cards. After introducing Aadhar-based verification, users can simply use their Aadhar cards to create a UPI PIN. And, to be able to use this facility, all you need to do is link your bank account and Aadhar card to the cell phone number that you want an ID with.

How to Setup UPI Without Debit Card?

If you’re thinking “Is debit card necessary for UPI” or “How to use UPI with debit card”, look no further. Here are the steps to set UPI PIN without debit card:

• Open your UPI payment app and log in
• After logging in, click on the option ‘Add UPI ID’
• Now, select the bank account you wish to link to the UPI; make sure it is linked with a phone number that is also linked to your Aadhar
• Create a UPI ID that complies with the character and format specifications for passwords in the UPI app of your choice
• Select the option 'Aadhaar-based verification' and agree to the terms and conditions
• After this, enter the first six digits of your Aadhaar number to verify your identity and click on ‘Proceed’
• Set a secure UPI PIN for your account, which may be 4 or 6 digits depending on the platform you’re using
• Enter the One-time Password (OTP) you may have received on your Aadhar-linked mobile number
• Proceed by entering the UPI PIN that you previously created

How to Reset UPI PIN Without Debit Card?

Just like how you can create a UPI PIN without a debit card, you can also reset or change the UPI PIN using just an Aadhar card. Here are the steps:

• Go to the payment methods tab which may be labeled My Money, My Payments, or Payment Method depending on the app you’re using
• Choose the option 'Set/Reset UPI PIN’
• Select the bank account you wish to link
• You will receive an SMS from the UPI app to confirm the registered mobile number
• In the next step, select the latter of the two options - Debit Card-based UPI PIN generation and Aadhar Card-based UPI PIN generation
• Input the first six or the first four numbers of your Aadhar card depending on what your UPI app asks for
• Your bank and UIDAI will send you OTPs for authentication; put in both OTPs and your initial UPI PIN will be shown
• Enter a fresh, four or six-digit UPI PIN
• Re-enter the PIN you just established
• Select CONFIRM

Banks That Support Aadhar-Based UPI PIN Service

There are a number of Indian banks that allow users to benefit from Aadhaar-based UPI PIN services and set UPI PIN without debit card, including:

• AU Small Finance Bank
• Karnataka Bank Limited
• Bandhan Bank Ltd
• Karur Vysya Bank
• Bank of Maharashtra
• Kotak Mahindra Bank
• Canara Bank
• State Bank of India
• Central Bank of India
• Paytm Payments Bank
• City Union Bank
• Punjab & Sind Bank
• Federal Bank
• Punjab National Bank
• Equitas Small Finance Bank
• SBM Bank
• ICICI Bank
• Shivalik Small Finance
• HDFC Bank
• Jio Payments Bank
• Indian Bank
• UCO Bank
• Indian Overseas Bank
• Union Bank of India
• IndusInd Bank
• Yes Bank

What Do You Need to Set UPI PIN Without Debit Card?

For a few reasons, you may not want to use debit cards on your UPI but you can still use UPI applications with ease. Now that you know the answer to the question "how to set UPI PIN without debit card," let’s understand what you will need. Here are a few things you must ensure to be able to use the Aadhar-based bank verification method:

• Your bank account must be connected to your Aadhaar card
• Your bank account and Aadhaar card should be linked to your cell phone number
• The bank account linked with your Aadhar must be used when creating the UPI PIN

FAQs

1. Can I create UPI without debit card?

   Yes, a UPI ID and PIN can be created without a debit card. For this, you must choose the Aadhar card option when setting up your account in the Payments tab and provide the required details.

2. How can I use my Aadhar card to set up a UPI PIN?

   In the UPI app, you should choose Aadhar-based verification instead of debit card verification in order to create a UPI PIN using an Aadhar card. You will be asked to input the first six digits of your Aadhar card as well as the OTP received on your mobile number when setting UPI using this method.

3. How to set up Google Pay (GPay) without a debit card?

   Choose your bank account under the ‘Payment Methods’ option and get your bank account verified. In the next step, select the Aadhar-based verification method and input the first six numbers of your Aadhar card. You will then be prompted to create a UPI PIN and enter the OTP to validate your Aadhar card. Once this process is complete, you may start making payments with GPay.

4. How long does setting up a UPI PIN with an Aadhar card take?

   It just takes a few minutes to set up an Aadhar card-based UPI PIN. However, you must ensure that your bank account and Aadhar are linked to your mobile number in order to utilize this service.

5. Can I set up a UPI ID without a debit card and Aadhar card?

   Without an Aadhar card or debit card, you cannot create a UPI ID with the NPCI. Using Aadhar cards and debit cards are the only two methods available for creating a UPI ID.