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Understanding the procedure to set UPI PIN without Debit Card.
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.
Digital payments have revolutionized the way we make transactions, offering unmatched convenience, speed, and security. The Unified Payment Interface (UPI), launched in 2016, has played a key role in driving India’s shift towards digital payments. Traditionally, using UPI required linking a debit card to your UPI-enabled app. However, with the introduction of Aadhaar-based verification in September 2021, you can now set up UPI PIN without a debit card. This new method opens up UPI to more users, allowing seamless transactions without the need for a physical debit card. Read on to learn how to set up and use UPI without a debit card.
If you're looking to set up UPI PIN without debit card, here's a straightforward guide to help you get started, along with the key requirements:
To set UPI PIN without debit card, ensure your Aadhaar card is linked to your bank account. This connection is vital for identity verification and aligning your bank details with your Aadhaar number. Be sure that your Aadhaar details are up-to-date and properly linked to your account to avoid any issues while setting up UPI PIN without debit card.
Your mobile number must be registered both with your Aadhaar card and your bank account. Since UPI PIN setup requires OTPs (One-Time Passwords) sent to your mobile number for authentication, make sure your phone number is active and correctly linked to both your Aadhaar and bank to ensure smooth verification.By ensuring these prerequisites, you can easily set up 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:
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.
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Changing your UPI PIN without debit card is a simple process that doesn’t require a physical debit card. Follow these steps to change UPI PIN without debit card:
Now, your UPI PIN is changed, and you can continue using UPI without a debit card. This simple method ensures you can change UPI PIN without debit card easily!
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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Yes, you can use UPI without a debit card. You can create UPI ID without debit card by linking your Aadhaar card and mobile number to your bank account. This allows you to make transactions and manage your UPI PIN without needing a physical debit card.
You can verify your identity using your Aadhaar card linked to your bank account. The UPI PIN setup process may involve OTP verification sent to your registered mobile number. This ensures secure identity verification without requiring a debit card.
No, you cannot create a UPI ID without debit card or Aadhaar card. Both are necessary for linking your bank account to the UPI system. If you don’t have an Aadhaar card, you can link your bank account with other valid identification options provided by your bank.
No, you cannot use UPI effectively without linking your Aadhaar card to your bank account. This link is necessary for identity verification and enabling UPI services. If your Aadhaar is not linked, you will need to update your bank account details to proceed with UPI transactions.
*Disclaimer: This article is for information purposes only. We recommend you get in touch with your income tax advisor or CA for expert advice.
