How to Set UPI PIN without Debit Card

Most of us are now going cashless and using UPI payment apps for daily transactions and this is possible only by using the UPI PIN number. 

But if you are wondering ‘is debit card necessary for UPI’, the answer is ‘No’. Here’s how you can generate a UPI PIN even if you don’t have a debit card.

Can I use UPI Without Debit Card?

If your query is - ‘how to generate UPI PIN without debit card’, follow the step by step guide given below. All you will need is your Aadhaar card .

STEP- 1: Login to your preferred UPI app and find the ‘Add UPI ID’ option. 

STEP- 2: Choose the bank account that is linked to your Aadhaar card for the process.

STEP- 3: Create a UPI ID according to the app, and check if it is available. 

STEP- 4: Now select the ‘Aadhaar based verification’ option, and accept the terms and conditions.

STEP- 5: Enter the first 6 digits of your Aadhaar number to validate and click on ‘Confirm’.

STEP- 6: Set your 4-digit UPI PIN. 

STEP- 7: You will receive an OTP on your registered mobile number which you need to enter.

STEP- 8: Then, enter the UPI PIN you set in the previous step and click on ‘Confirm’ to complete the registration process.  

Things Required to Set UPI PIN without Debit Card

You may not be a debit card user for various reasons, but you can still use UPI apps easily. Now that you have the answer to ‘how to set UPI PIN without debit card’, here is a list of all the prerequisites- 

  1. Your Aadhaar card must be linked to your bank account

  2. Your mobile number should be linked to both your Aadhaar card and your bank account

  3. You need to use the linked bank account while setting up your UPI ID

Benefits of Using UPI for Payments

If you are not a debit card user, chances are that you use cash for most of your regular transactions. But there are many benefits of going cashless and embracing UPI. 

Take a look at the benefits of using UPI for payments-


Thanks to the easy access to smartphones and the internet, it is not a surprise that we use them for all kinds of services. The most recent addition to the list is making payments through our phones using UPI apps. It is secure, and saves you from the hassle of carrying cash of various denominations with you. The best part? Even if you don’t have a debit card, you can still use UPI for payments.

Set UPI PIN without Debit Card - FAQs

Yes, you can use your UPI ID to receive payments as well. Please note that your UPI PIN and ID are different, and you should refrain from sharing your UPI PIN with anyone.

There is no cost involved in setting up and using UPI for payments.

The limit of daily transactions on your UPI app will depend on your bank. It can vary from Rs.25,000 to Rs.1 Lakh. 

Unfortunately, no. The only way to set up a UPI ID without a debit card is to use your Aadhaar card. If you don’t have either of them, you won’t be able to set up your UPI ID.

You can set up your UPI payments in a matter of minutes. If your Aadhaar card and bank account are linked to your phone number, you can set up your UPI ID almost immediately.


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