UPI
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 Set UPI Pin 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
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
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FAQs
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.
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.
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.
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.
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.
Naina Rajgopalan
Naina Rajgopalan has a thing for numbers and a deep fascination to learn about all things finance. She's been money-wise from a young age and has always shared her knowledge and tips with those around her. Being a part of the content team at Freo, a neobank that offers flexible and customised financial products, along with benefits such as insurance on balance, safe & secure banking, and so on, Naina stays updated with the latest of what happens in the banking and fintech industries. She has taken upon herself to share her knowledge with readers across all walks of life to help them manage their finances and budgets better, so they can make better decisions while spending, borrowing, investing and saving.
