How to set UPI PIN without Debit Card using Aadhaar card

Understanding the procedure to set UPI PIN without Debit Card.

Key Takeaways

You can set UPI PIN without Debit Card using your Aadhaar Card.
NPCI introduced the registration option without Debit Card in September 2021.
To use your Aadhaar for setting UPI PIN, you can opt for Aadhaar-based verification on the UPI-enabled app.
The Aadhaar Card you use must be linked with your mobile number registered with the bank.
You can confirm your UPI PIN with Aadhaar-verification using the first six digits of your Aadhaar number and Aadhaar-based OTP.

Digital payments have become an integral part of our lives in recent years. The convenience, speed, and security of paying money digitally within minutes is the prime reason. The introduction of the Unified Payment Interface (UPI) in 2016 further accelerated the growth of digital transactions in India. When the launch of UPI, all you need to do is link your bank account to your preferred UPI-enabled apps and start sending and receiving payments.

The process essentially involved selecting your bank and entering the debit cards details like the 16-digit Debit Card number, expiry date and CVV. The process is still relevant, but if you are wondering – is Debit Card necessary for UPI, the good news is there is an alternative. Keep reading to know the detailed steps to follow to use UPI without Debit Cards.

How to use UPI Without Debit Card?

The National Payments Corporation of India (NPCI) realised the need for an alternative to registering for UPI for those who do not hold Debit Cards. Hence, the NPCI introduced the Aadhaar-based verification method, allowing interested individuals to register for UPI in September 2021.

All you need to do to activate this facility is to link your Aadhaar to the UPI app. Additionally, you should link the phone number registered with the UIDAI (Unique Identification Authority of India), the Aadhaar issuing entity, to the UPI app. You must also register the same Aadhaar-linked mobile number as the Registered Mobile Number (RMN) with your bank to receive OTPs and verify transactions. After completing this one-time process, you can conduct UPI transactions in the future without entering your bank account details.

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How to get UPI PIN without Debit Card?

You can get the UPI PIN without a Debit Card by registering your Aadhaar Card and following these simple steps:

Download your preferred UPI-enabled app on your smartphone.
Navigate to the ‘Add UPI ID’ or ‘Add Bank Account’ option in the settings.
Select your bank name and proceed to set the UPI PIN.
You will now be redirected to the verification section in the app.
Click on the ‘Aadhaar-based Verification’ option.
Accept the terms & conditions of the UPI-enabled app.
Next, you need to validate your Aadhaar details by entering the first six digits of your Aadhaar number.
After successful validation, you must decide and type in your four or six-digit UPI PIN.
Now you need to enter the one-time password received on your mobile number registered with the UIDAI.
If your number is the same as the one registered with the bank, the app will auto-read and validate the Aadhaar OTP.
After OTP verification, you can once again enter your UPI PIN for confirmation.
Upon successful registration, you can begin using your UPI ID to make payments to peers and merchants anywhere across India.

Note the same process can be followed for registering multiple Bank Accounts on the same UPI-enabled app or various apps. The navigation and order of steps may slightly vary depending on the user interface of your chosen app. But the overall process remains similar and is rather easy to follow. After registration, you can use your Virtual Payment Address (VPN) or UPI ID to make payments with a few clicks. Such a hassle-free digital payment system makes it easier to shop and transfer funds on the go without having to carry cash.

Final Note:

The NPCI introduced Aadhaar-based registration for UPI ID for people with bank accounts that come without Debit Cards facilities. Additionally, it was proposed as an initiative for financial inclusion since Debit Card-based registrations may seem like a hassle in rural India. With Aadhaar-based registration, you not only set up UPI PIN without Debit Card, but also enjoy convenience.

There is no hassle of looking for your Debit Card. Even if you do not have access to it, you can easily register anywhere, anytime. As for the Aadhaar number, the M-Aadhaar card available digitally eliminates the need for a physical Aadhaar Card. Hence, overall, getting the UPI PIN with Aadhaar is a quick and effortless process.

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*Disclaimer: This article is for information purposes only. We recommend you get in touch with your income tax advisor or CA for expert advice.