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OBC UPI PIN - Create & Reset

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


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


OBC 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 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 bank 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 your Oriental Bank of Commerce UPI registration process is complete and you can 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 OBC UPI PIN online

Without visiting the branch or ATM, you can create your own UPI PIN using our mobile app. This feature enables you to create your own PIN on your own mobile, making it completely flexible and secure.

Separate UPI PIN for each OBC account

For customers who have multiple accounts with Oriental Bank of Commerce, they have to create separate UPI PIN for each account. As each account will have a separate PIN, you can be 100% assured about the safety of your account and can easily perform financial transactions using your OBC BHIM PIN.

Mandatory for any financial transaction

Most important safety feature of Oriental Bank of Commerce UPI is the use of UPI PIN during each transaction. This ensures that you have to use your secret banking PIN during each transaction and your transactions will go through only if you enter correct UPI PIN for every transaction. This ensures that your OBC account remains 100% safe and secure and no unauthorized personnel can transact on your behalf.

Easily recreate UPI PIN if you forget your old PIN

Sometimes you may forget your Oriental Bank of Commerce UPI PIN and may want to generate a new OBC BHIM PIN. For such cases, you can easily create a new UPI PIN using our app. You don’t have to visit the branch or ATM and can instead create a new UPI PIN directly on your mobile.

Easily change UPI PIN

Due to some reason if you want to change your OBC BHIM PIN then you can use our mobile app for instantly changing your Oriental Bank of Commerce UPI PIN. Your new PIN will be immediately registered in your OBC account and you can use it 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

100% security for OBC UPI PIN service is ensured 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. Before using Oriental Bank of Commerce 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 OBC 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

UPI PIN Creation Services Timing

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

UPI PIN Generation Service Eligibility

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

  • You must have a savings or current account with OBC
  • Your mobile number must be registered with OBC
  • You must have a debit associated with your Oriental Bank of Commerce account
  • You must have either Android or iPhone mobile phone
  • You must have an internet connection either via SIM card or WiFi

Create UPI PIN Service limitations

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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