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Karnataka Bank UPI PIN - Create & Reset

Karnataka Bank UPI (Unified Payments Interface) facility is designed to help Karnataka Bank customers easily and safely perform financial transactions on their mobile. Hence after registering for Karnataka Bank 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 Karnataka Bank account safe and secure while performing financial transactions on your mobile, you have to create a secure banking PIN for your Karnataka Bank account. This PIN is called as the Karnataka Bank UPI PIN and it helps you easily and safely perform financial transactions from your bank account.


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


Karnataka Bank 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 and reset your Karnataka Bank UPI PIN:

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

After this step your KBL 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 Karnataka Bank UPI PIN online

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

Separate UPI PIN for each bank account

For the safety of your KBL 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 Karnataka Bank UPI PIN for each transaction. As per UPI guidelines, you cannot perform any transaction without Karnataka Bank 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 Karnataka Bank account remains 100% secure.

Easily recreate Karnataka Bank UPI PIN if you forget your old PIN

In case you forget your old KBL 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 Karnataka Bank UPI PIN

If you want to change your KBL 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 Karnataka Bank account and you can use the new UPI PIN for performing financial transactions.

UPI PIN Benefits

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

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

Multi Purpose: KBL 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 Karnataka Bank account.

UPI PIN security

100% security for Karnataka Bank UPI PIN service is ensured in the following ways:

  1. UPI registration for your Karnataka Bank accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. Before using KBL 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 Karnataka Bank 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

Timing of UPI PIN Generation Service

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

Eligibility for using UPI PIN Creation Service

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

  • You must have a savings or current account with Karnataka Bank
  • Your mobile number must be registered with Karnataka Bank
  • You must have a debit associated with your KBL 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 limitations of Karnataka Bank Create UPI PIN service:

  • It will only work if your mobile number is registered with Karnataka Bank
  • It will not work without an active Karnataka Bank 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 KBL account under UPI facility

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