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IDFC UPI PIN - Create & Reset

IDFC UPI (Unified Payments Interface) facility provides an easy and quick way to access your IDFC account on your mobile and perform transactions from it. But in order to perform any financial transaction you need to create IDFC UPI PIN for your account. This is a secure PIN which helps you safely perform transactions from your IDFC account.


IDFC UPI PIN can be created online and you don’t have to visit the branch or ATM for generating it. To create UPI PIN all you need is a debit or ATM card which is linked to your bank account. You can download our mobile app and then quickly create your IDFC Bank UPI PIN and start performing transactions from your bank account.


After generating your IDFC UPI PIN you can perform following types of transactions:
  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 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

Using our mobile app, you can easily create IDFC UPI PIN for your bank account. You don’t have to visit the branch or ATM and can instead create your own IDFC BHIM PIN online.

Separate UPI PIN for each bank account

For the safety of your IDFC Bank accounts you have to create separate UPI PIN for each account. This ensures that all your bank accounts remain safe and secure and no authorized personnel can perform transactions on your behalf.

Mandatory for any financial transaction

The most important safety aspect of UPI is the use of IDFC UPI PIN for each transaction. As per UPI guidelines, you cannot perform any transaction without IDFC BHIM PIN. Hence without knowing your UPI PIN no one can transact from your account. So please do not share your UPI PIN with anyone, this will ensure your IDFC account remains 100% secure.

Easily recreate IDFC UPI PIN if you forget your old PIN

In case you forget your old IDFC Bank UPI PIN then you can again use our mobile app to generate a new UPI PIN. This also can be done completely online and you don’t have to visit the branch or ATM.

Easily change IDFC UPI PIN

If you want to change your IDFC Bank BHIM PIN for any reason then you can easily do so using our app. All you have to do is enter your existing UPI PIN and then enter the new PIN that you want to set. Your new PIN will be immediately registered in your IDFC account and you can use the new UPI PIN for performing financial transactions.

UPI PIN Benefits

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.

UPI PIN security

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

UPI PIN Creation Services Timing

  • You can use IDFC UPI services on all days, including Saturday and Sunday
  • IDFC BHIM can be used at night as well
  • As banking is very crucial, you can use IDFC UPI facility even on bank holidays and public holidays
  • You can use IDFC BHIM services throughout the year

UPI PIN Generation Service Eligibility

In order to use IDFC UPI PIN generation service you must meet the following requirements:

  • A savings or current account with IDFC
  • Mobile number should be registered with IDFC
  • ATM/Debit Card associated with your IDFC Bank account
  • Android or iPhone mobile phone
  • 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

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