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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 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. One SMS will be sent from your phone to verify your mobile number
  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

This completes the process for OBC 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.

UPI PIN Features


Create OBC 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 OBC account

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

UPI PIN Benefits

One can enjoy multiple benefits from OBC UPI PIN service:

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

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.

Security of UPI PIN

OBC UPI PIN service is fully secured in the 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. For using Oriental Bank of Commerce BHIM services, you have to create a new UPI PIN using your debit card
  3. For performing any type of transaction you have to then use Oriental Bank of Commerce UPI PIN. No transaction will go through without this secure UPI PIN
  4. For additional security, you can also set up app password so that no one can even open the app without knowing your app password
  5. For enhanced safety, you can also create a PIN or pattern lock for your phone so that no one can open your mobile

Timing of UPI PIN Generation Service

  • 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

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

  • A savings or current account with OBC
  • Mobile number should be registered with OBC
  • ATM/Debit Card associated with your Oriental Bank of Commerce 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 OBC UPI PIN creation service:

  • It will not work if your mobile number is not registered in OBC
  • You cannot use it if you don’t have a OBC 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 Oriental Bank of Commerce account under UPI facility

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