Step 1. Download & install Cointab app for Android or iPhone

Step 2. Verify your mobile number

Step 3. Add your Saraswat Bank account

Step 4. Select Generate / Reset / Forgot BHIM UPI PIN option

Step 5. Enter your Saraswat Bank debit card's last 6 digits and expiry dates

Step 6. You'll receive one OTP from Saraswat Bank on your registered mobile number. Enter it in the app

Step 7. Enter UPI PIN you want to set

Step 8. Your UPI PIN is registered with your bank and you can use it to check account balance and transfer money

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