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IDFC UPI PIN - Create & Reset

IDFC UPI (Unified Payments Interface) facility is designed to help IDFC customers easily and safely perform financial transactions on their mobile. Hence after registering for IDFC UPI you don’t have to visit the branch or ATM to perform banking transactions and can instead use your mobile and perform all types of financial transactions.


To keep your IDFC account safe and secure while performing financial transactions on your mobile, you have to create a secure banking PIN for your IDFC account. This PIN is called as the IDFC UPI PIN and it helps you easily and safely perform financial transactions from your bank account.


IDFC UPI PIN can be created online using our mobile app and you don’t have to visit the branch or ATM for generating your IDFC Bank UPI PIN. After downloading our app, you can instantly create your UPI PIN and then immediately start performing banking transactions.


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

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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
  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

After this step your IDFC Bank UPI registration process is over. You can then immediately start performing all your banking transactions on mobile such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

UPI PIN Features


Create IDFC UPI PIN online

Without visiting the branch or ATM, you can create your own UPI PIN using our mobile app. This feature enables you to create your own PIN on your own mobile, making it completely flexible and secure.

Separate UPI PIN for each IDFC account

For customers who have multiple accounts with IDFC Bank, they have to create separate UPI PIN for each account. As each account will have a separate PIN, you can be 100% assured about the safety of your account and can easily perform financial transactions using your IDFC BHIM PIN.

Mandatory for any financial transaction

Most important safety feature of IDFC Bank UPI is the use of UPI PIN during each transaction. This ensures that you have to use your secret banking PIN during each transaction and your transactions will go through only if you enter correct UPI PIN for every transaction. This ensures that your IDFC account remains 100% safe and secure and no unauthorized personnel can transact on your behalf.

Easily recreate UPI PIN if you forget your old PIN

Sometimes you may forget your IDFC Bank UPI PIN and may want to generate a new IDFC BHIM PIN. For such cases, you can easily create a new UPI PIN using our app. You don’t have to visit the branch or ATM and can instead create a new UPI PIN directly on your mobile.

Easily change UPI PIN

Due to some reason if you want to change your IDFC BHIM PIN then you can use our mobile app for instantly changing your IDFC Bank UPI PIN. Your new PIN will be immediately registered in your IDFC account and you can use it for performing financial transactions.

Benefits of UPI PIN

There are many benefits to using IDFC UPI PIN services such as:

Time saving: Using our mobile app you can create your own IDFC UPI PIN online directly on your mobile. This helps you save a lot of time as you don’t have to visit the branch or ATM to generate your IDFC BHIM PIN.

Security: All UPI transactions are 100% secure due to linking of your account on your mobile number and your UPI PIN. Transactions will be successful only if you enter your correct UPI PIN.

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

100% security for IDFC UPI PIN service is ensured in the 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. Before using IDFC Bank BHIM services, you must create a new secure UPI PIN using your debit card
  3. While performing transactions on your mobile you have to use your IDFC UPI PIN. No transaction will go through without this secure UPI PIN
  4. App password can be created so that no one can even open the app without knowing your app password
  5. PIN or pattern lock can be created for your phone so that no one can open your mobile

UPI PIN Creation Services Timing

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

Eligibility for using UPI PIN Creation Service

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

  • You should have a savings or current account with IDFC
  • Your mobile number should be registered with IDFC
  • You should have a atm/debit card associated with your IDFC 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

Please keep in mind the following limitations of IDFC UPI PIN creation service:

  • It will not work if your mobile number is not registered in IDFC
  • You cannot use it if you don’t have a IDFC atm/debit card
  • Without Android or iPhone mobile phone, it will not work
  • Without internet connection, it will not work
  • One can only transfer upto Rs. 1,00,000 per day per IDFC Bank account under UPI facility

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