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Jana Bank UPI PIN - Create & Reset

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


You can perform following types of transactions after creating Jana Bank 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 your Jana Bank UPI PIN:

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

After this step your Janalakshmi Small Finance 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 Jana Bank 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 Jana Bank account

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

Benefits of UPI PIN

One can enjoy multiple benefits from Jana Bank UPI PIN service:

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

Multi Purpose: Janalakshmi Small Finance 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 Jana Bank account.

UPI PIN security

Jana Bank UPI PIN service is fully secured in following ways:

  1. UPI registration for your Jana Bank accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. To use Janalakshmi Small Finance 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 Jana Bank 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

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

UPI PIN Generation Service Eligibility

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

  • A savings or current account with Jana Bank
  • Mobile number should be registered with Jana Bank
  • ATM/Debit Card associated with your Janalakshmi Small Finance Bank account
  • Android or iPhone mobile phone
  • Internet connection either via SIM card or WiFi

Limitations of UPI PIN Generate Service

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

  • It will not work if your mobile number is not registered in Jana Bank
  • You cannot use it if you don’t have a Jana Bank 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 Janalakshmi Small Finance Bank account under UPI facility

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