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Saraswat Bank UPI PIN - Create & Reset

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


Saraswat Bank 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 Saraswat UPI PIN and start performing transactions from your bank account.


After generating your Saraswat Bank 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 Saraswat Bank UPI PIN:

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

This completes the process for Saraswat Bank 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.

Features of UPI PIN


Create Saraswat 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 Saraswat Bank account

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

Benefits of UPI PIN

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

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

Multi Purpose: Saraswat 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 Saraswat Bank account.

Security of UPI PIN

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

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

UPI PIN Creation Services Timing

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

Eligibility for using UPI PIN Creation Service

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

  • You should have a savings or current account with Saraswat Bank
  • Your mobile number should be registered with Saraswat Bank
  • You should have a atm/debit card associated with your Saraswat account
  • You should have Android or iPhone mobile phone
  • You should have an internet connection either via SIM card or WiFi

Create UPI PIN Service limitations

Following are the restrictions in Saraswat Bank generate UPI PIN service:

  • Your mobile number must be registered with Saraswat Bank
  • It requires an active Saraswat Bank 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 Saraswat account are allowed under UPI facility

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