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HDFC UPI PIN - Create & Reset

HDFC provides UPI (Unified Payments Interface) service using which you can quickly and easily access your HDFC accounts on your mobile and perform financial transactions. HDFC UPI is a very useful service so that you can perform all financial transactions directly on your mobile instead of visiting the branch or ATM.


But to perform transactions via HDFC UPI you have to create a secure banking PIN called as the HDFC UPI PIN. This PIN helps you perform all financial transactions on your mobile and keeps your account safe as without knowing your UPI PIN no one can transact from your account.


To generate HDFC UPI PIN you don’t have to visit the branch or ATM and can instead quickly create your HDFC Bank UPI PIN online using our mobile app. After downloading our mobile app you can immediately create UPI PIN for your bank account and instantly start performing financial transactions from your HDFC account.


You can perform following types of transactions after creating HDFC UPI PIN:
  1. Check account balance
  2. Instant fund transfer to anyone in India in real-time. Transfer upto Rs. 1,00,000 per day
  3. Credit card bill payment
  4. Electricity bill payment
  5. Gas bill payment
  6. Mobile recharge & mobile post-paid bill payment
  7. DTH recharge
  8. Mediclaim (Health Insurance) premium payment
  9. Buy insurance
  10. Donate money
  11. Book fixed deposit

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How to create and reset your HDFC UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your HDFC account. One SMS will be sent from your phone to verify your mobile number
  3. Select HDFC for BHIM registration
  4. All your bank accounts will be registered and activated for HDFC BHIM services
  5. Select Generate UPI PIN option
  6. Enter your debit card last 6 digits and expiry date
  7. You will get OTP from HDFC for creating your UPI PIN
  8. Enter UPI PIN you want to set
  9. Confirm UPI PIN again
  10. Your UPI PIN will be registered with HDFC and you can now use it to perform financial transactions on your mobile

After this your HDFC Bank UPI registration process is complete and you can start performing BHIM UPI transactions such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

UPI PIN Features


Create HDFC UPI PIN online

UPI PIN can be created online using our mobile app. This is the biggest advantage of UPI wherein the secure banking PIN can be generated directly on your mobile without visiting the branch or ATM.

Separate UPI PIN for each HDFC account

If you have more than one account with HDFC Bank then you have to generate a separate UPI PIN for each account. This ensures that your HDFC BHIM PIN remain fully safe and secure and no one can transact on your behalf.

Mandatory for any financial transaction

The biggest safety feature of HDFC Bank UPI PIN is that it is required for each transaction. Meaning, for performing any financial transaction you have to authenticate yourself with the help of HDFC BHIM PIN. Without entering your HDFC UPI PIN no transaction can go through. This ensures your HDFC account remain 100% safe and only you perform transactions from it.

Easily regenerate UPI PIN if you forget your old PIN

If you ever forget your HDFC Bank UPI PIN then you can easily create a new UPI PIN using our app. You don’t have to register a new PIN request with HDFC. By using our mobile app you can directly create a new UPI PIN and start performing transactions again.

Easily change UPI PIN

If you ever want to change your HDFC Bank BHIM PIN for any reason, you can easily do so using our mobile app. Without going to the branch or ATM you can easily change your UPI PIN. After changing your HDFC BHIM PIN you have to use your new PIN while performing transactions.

UPI PIN Benefits

One can enjoy multiple benefits from HDFC UPI PIN service:

Time saving: As HDFC UPI PIN can be generated on your mobile using our app, you can save a lot of time which otherwise would have gone in visiting the branch or ATM to generate a banking PIN. After creating your own HDFC BHIM PIN you can immediately start performing transactions using UPI.

Security: All UPI transactions are 100% secure due to linking of your account on your mobile number and your HDFC UPI PIN. Transactions are processed as success only if you enter your correct UPI PIN. If you enter incorrect HDFC BHIM PIN then your transactions will fail.

Multi Purpose: HDFC Bank UPI allows you to perform multiple transactions such as balance check, fund transfer, recharge, bill payment, etc. so that in one single place you can manage your HDFC account.

UPI PIN security

HDFC UPI PIN service is fully secured in the following ways:

  1. UPI registration for your HDFC accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. For using HDFC Bank BHIM services, you have to create a new UPI PIN using your debit card
  3. For performing any type of transaction you have to then use HDFC Bank UPI PIN. No transaction will go through without this secure UPI PIN
  4. For additional security, you can also set up app password so that no one can even open the app without knowing your app password
  5. For enhanced safety, you can also create a PIN or pattern lock for your phone so that no one can open your mobile

Timing of UPI PIN Generation Service

  • HDFC UPI services are available on all days, including Saturday and Sunday
  • Advantage of HDFC BHIM is that it can be used at night as well
  • As banking is extremely important in day to day life, you can use HDFC UPI facility even on bank holidays and public holidays
  • HDFC BHIM services can be availed throughout the year

Eligibility for using UPI PIN Creation Service

To use HDFC UPI PIN creation service you have to meet the following requirements:

  • You should have a savings or current account with HDFC
  • Your mobile number should be registered with HDFC
  • You should have a atm/debit card associated with your HDFC Bank account
  • You should have Android or iPhone mobile phone
  • You should have an internet connection either via SIM card or WiFi

Limitations of UPI PIN Generate Service

Following are the limitations of HDFC Create UPI PIN service:

  • It will only work if your mobile number is registered with HDFC
  • It will not work without an active HDFC atm/debit card
  • It will not work without Android or iPhone mobile phone
  • It will not work without internet connection
  • You can only transfer upto Rs. 1,00,000 per day per HDFC Bank account under UPI facility

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