IDFC Logo

IDFC UPI PIN - Create & Reset

IDFC provides UPI (Unified Payments Interface) service using which you can quickly and easily access your IDFC accounts on your mobile and perform financial transactions. IDFC 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 IDFC UPI you have to create a secure banking PIN called as the IDFC 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 IDFC UPI PIN you don’t have to visit the branch or ATM and can instead quickly create your IDFC 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 IDFC account.


You can perform following types of transactions after creating IDFC 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

Download App For


How to create your IDFC UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your IDFC account. One SMS will be sent from your phone to verify your mobile number
  3. Select IDFC for BHIM registration
  4. All your accounts will be registered and activated for IDFC 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 IDFC 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 IDFC and you can now use it to perform financial transactions on your mobile

This completes the process for IDFC UPI registration and you can immediately start performing BHIM UPI transactions such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

Features of UPI PIN


Create IDFC 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 IDFC account

If you have more than one account with IDFC Bank then you have to generate a separate UPI PIN for each account. This ensures that your IDFC 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 IDFC 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 IDFC BHIM PIN. Without entering your IDFC UPI PIN no transaction can go through. This ensures your IDFC 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 IDFC 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 IDFC. 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 IDFC 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 IDFC BHIM PIN you have to use your new PIN while performing transactions.

UPI PIN Benefits

One can enjoy multiple benefits from IDFC UPI PIN service:

Time saving: As IDFC 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 IDFC 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 IDFC UPI PIN. Transactions are processed as success only if you enter your correct UPI PIN. If you enter incorrect IDFC BHIM PIN then your transactions will fail.

Multi Purpose: IDFC 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 IDFC account.

Security of UPI PIN

IDFC UPI PIN service is fully secured in following ways:

  1. UPI registration for your IDFC accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. To use IDFC Bank BHIM services, you have to create a new UPI PIN using your debit card
  3. To perform financial transaction you have to use your IDFC UPI PIN. Without this PIN, no transaction will go through
  4. You can also set up app password so that no one can even open the app without knowing your app password
  5. 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

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

UPI PIN Generation Service Eligibility

For using IDFC create UPI PIN service you have to meet the following requirements

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

Limitations of UPI PIN Generate Service

Following are the restrictions in IDFC generate UPI PIN service:

  • Your mobile number must be registered with IDFC
  • It requires an active IDFC atm/debit card
  • It requires Android or iPhone mobile phone
  • It will not work without internet connection
  • Transfer upto Rs. 1,00,000 per day per IDFC Bank account are allowed under UPI facility

Download App For