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OBC UPI PIN - Create & Reset

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


OBC 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 Oriental Bank of Commerce UPI PIN and start performing transactions from your bank account.


After generating your OBC 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 OBC UPI PIN:

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

After this step your Oriental Bank of Commerce 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.

Features of UPI PIN


Create OBC UPI PIN online

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

Separate UPI PIN for each bank account

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

Easily recreate OBC UPI PIN if you forget your old PIN

In case you forget your old Oriental Bank of Commerce 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 OBC UPI PIN

If you want to change your Oriental Bank of Commerce 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 OBC account and you can use the new UPI PIN for performing financial transactions.

UPI PIN Benefits

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

Time saving: Using our mobile app you can create your own OBC 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 OBC 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: Oriental Bank of Commerce 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 OBC account.

UPI PIN security

OBC UPI PIN service is fully secured in following ways:

  1. UPI registration for your OBC accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. To use Oriental Bank of Commerce BHIM services, you have to create a new UPI PIN using your debit card
  3. To perform financial transaction you have to use your OBC 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

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

Eligibility for using UPI PIN Creation Service

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

  • You should have a savings or current account with OBC
  • Your mobile number should be registered with OBC
  • You should have a atm/debit card associated with your Oriental Bank of Commerce 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

Following are the restrictions in OBC generate UPI PIN service:

  • Your mobile number must be registered with OBC
  • It requires an active OBC 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 Oriental Bank of Commerce account are allowed under UPI facility

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