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Saraswat Bank UPI PIN - Create & Reset

Saraswat Bank provides UPI (Unified Payments Interface) service using which you can quickly and easily access your Saraswat Bank accounts on your mobile and perform financial transactions. Saraswat Bank UPI is a very useful service so that you can perform all financial transactions directly on your mobile instead of visiting the branch or ATM.


But to perform transactions via Saraswat Bank UPI you have to create a secure banking PIN called as the Saraswat Bank UPI PIN. This PIN helps you perform all financial transactions on your mobile and keeps your account safe as without knowing your UPI PIN no one can transact from your account.


To generate Saraswat Bank UPI PIN you don’t have to visit the branch or ATM and can instead quickly create your Saraswat UPI PIN online using our mobile app. After downloading our mobile app you can immediately create UPI PIN for your bank account and instantly start performing financial transactions from your Saraswat Bank account.


You can perform following types of transactions after creating Saraswat Bank UPI PIN:
  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 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.

UPI PIN Features


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

Saraswat Bank UPI PIN service is fully secured in 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. To use Saraswat BHIM services, you have to create a new UPI PIN using your debit card
  3. To perform financial transaction you have to use your Saraswat Bank 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

Timing of UPI PIN Generation Service

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

Limitations of UPI PIN Generate Service

Please keep in mind the following limitations of Saraswat Bank UPI PIN creation service:

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

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