Do these 3 things before closing this tab:
1Repair Windows errors before they cause bigger problems2Scan for outdated or missing drivers - takes under a minute3Clear out junk files and repair common Windows errorsTo secure UPI, protect the PIN, lock the phone, check the authentication options and limits available in your own app, and know how to block the linked number if the phone is lost. These controls are not interchangeable: a phone lock protects access to the device, while UPI authentication authorizes eligible payments. Exact menus and account limits vary by bank, app, handset and payment type.
How should you protect your UPI PIN?
- Never tell anyone your PIN. NPCI defines it as a 4- or 6-digit passcode and says not to share it. A caller or message sender claiming to be bank support does not need it. NPCI’s BHIM-UPI Guidelines, updated 4 June 2026, say: “Enter UPI PIN only on UPI PIN page”.
- Use the PIN only to authorize a payment. NPCI’s guideline says: “Only sending money requires UPI PIN”. You do not enter it to receive money. Stop if someone asks you to enter it to collect a refund or accept a payment.
- Keep OTPs private too. NPCI advises users not to share OTPs and to contact service providers through correct channels. Do not follow reset links or instructions sent unexpectedly; open your official UPI app or contact your bank using its verified contact route.
NPCI’s FAQ says, specifically about BHIM: “BHIM does not store or read your UPI-PIN details and your bank’s customer support will never ask for it.” Treat any purported support request for your PIN as a warning sign.
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Should you lock your phone and UPI app?
Yes. Use the phone’s built-in screen lock and keep its passcode private. NPCI describes device binding as an authentication factor and the UPI PIN as an additional factor; a lock on the phone and UPI authentication protect different stages of access. Where your bank or UPI app offers an app lock or another authentication option, review and enable the one that suits your use. There is no universal menu path across phones and apps, so use the settings actually shown on your device.
Biometric UPI authentication is optional
NPCI circular OC-226, dated 7 October 2025, introduced on-device fingerprint or face authentication as an optional alternative to entering a PIN for eligible UPI transactions. The circular specified an initial cap of ₹5,000 per transaction and requires participating apps and PSP banks to validate device compatibility and security, including biometric enrollment and state. Availability and the applicable limit depend on the participating app and bank; do not assume the option is present or that the initial cap remains unchanged. A biometric payment option is not a reason to remove your phone’s screen lock.
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How do you check or change your UPI transaction limit?
First check the limit displayed in your bank or UPI app for your account and the payment type you intend to use. Some banks or apps may let you manage or lower a limit, but availability and menu names differ; there is no single verified instruction that applies to every bank. If the app does not make the applicable cap clear, ask your bank through an official channel.
NPCI’s FAQ publishes these category ceilings, but they are not a guarantee that your bank, account or app will permit every payment up to that amount:
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| Payment category | Published ceiling | What to check |
|---|---|---|
| Normal UPI transfer | Up to ₹1 lakh per transaction (NPCI FAQ) | Your bank’s and app’s current limit for your account |
| Specified categories | Up to ₹2 lakh per transaction (NPCI FAQ) | Whether the payment qualifies and your provider supports the amount |
| IPO and Retail Direct Scheme transactions | Up to ₹5 lakh per transaction (NPCI FAQ) | Eligibility and the limit applied by your provider |
| Tax payments | RBI announced an increase from ₹1 lakh to ₹5 lakh per transaction on 8 August 2024 | Implementation and the current cap shown by your bank for the tax payment |
The NPCI figures are from its UPI FAQ; the tax-payment change was announced by the Reserve Bank of India on 8 August 2024, with instructions to follow. A network or category ceiling and the limit available to an individual user are not necessarily the same.
What should you do if you lose your phone?
- Contact your bank promptly through its official channel and report the lost phone and UPI access. Ask what account or payment controls should be applied.
- Ask your mobile operator to block the number or SIM linked to UPI. NPCI’s UPI FAQ advises contacting the bank and blocking the mobile number tied to UPI.
- Use official routes to restore access. When you regain access to your account, reset credentials through the official app flow or your bank’s verified process. Do not use a reset link supplied by an unsolicited caller or message.
Do not rely only on the phone’s screen lock or your PIN after a loss. Also check the payee and amount before authorizing any transaction: NPCI says an initiated UPI payment cannot be stopped.
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How do you reset a UPI PIN safely?
Use the Reset UPI PIN option in your official UPI app and complete the verification it requests, or follow your bank’s official guidance. NPCI’s BHIM-UPI Guidelines describe this in-app reset route. NPCI’s 7 October 2025 circular also describes UIDAI face authentication as an optional way to set or reset a PIN, where the participating app and bank make it available. Never disclose your existing PIN or follow an unsolicited reset link.
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