Create UPI Without Debit Card

You can create a UPI ID without a debit card using these simple methods.
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Create UPI Without Debit Card
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4 mins
29 May 2024

Setting Up UPI Without a Debit Card: A Simple Process

Here is a breakdown of the steps involved in creating a UPI ID without a debit card:

Download a UPI app: Numerous UPI apps are available, including popular options like BHIM, Google Pay, Bajaj Pay UPI, Bajaj Wallet and Paytm. Choose a reputable app that aligns with your needs and preferences.

  1. Link your bank account: During the app setup process, select the "Add Bank Account" option and choose your bank from the list. You'll then need to provide your bank account information to establish the connection.
  2. Aadhaar verification: Since a debit card isn't involved, verification happens through your Aadhaar card, a unique identification number issued by the Indian government. The app will prompt you to enter your Aadhaar number or scan your Aadhaar card for verification.
  3. Set your UPI PIN: Once verification is complete, create a strong 4 or 6-digit UPI PIN for added security. Remember, this PIN is crucial for authorising UPI transactions, so keep it confidential.
  4. Create your UPI ID: The app will guide you through creating a unique UPI ID. This virtual identifier acts like your account address for sending and receiving payments.

Setting up your UPI PIN without a debit card: A secure approach

Even without a debit card, UPI prioritises security. Here's how setting up your UPI PIN without a debit card ensures safe transactions:

  1. Aadhaar verification: Linking your Aadhaar card to your UPI account adds a robust layer of authentication. Since your Aadhaar is linked to your biometric details, unauthorised access becomes highly unlikely.
  2. Two-factor authentication: Most UPI apps employ two-factor authentication (2FA) for added security. This means that in addition to your UPI PIN, you'll also receive a one-time password (OTP) on your registered mobile number for every transaction, further safeguarding your funds.
  3. Transaction limits: UPI transactions often come with daily or monthly spending limits, offering an extra layer of protection in case your credentials are compromised.

By combining Aadhaar verification, 2FA, and spending limits, UPI ensures secure transactions even without the need for a physical debit card.

Conclusion

In conclusion, creating a UPI ID without a debit card is a convenient and secure option for those who lack debit cards. By leveraging Aadhaar verification, two-factor authentication, and transaction limits, UPI safeguards your finances. With a UPI ID, you can experience the ease and security of digital payments in India. Download a UPI app, link your bank account, and get verified using your Aadhaar – you will be ready to embrace the world of cashless transactions in no time.

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
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  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

Can we make a UPI ID without a debit card?
Absolutely! Aadhaar verification provides an alternative to debit cards for creating a UPI ID.
How do I set up Bajaj Pay UPI or Bajaj Wallet without a debit card?
To set up Bajaj Pay UPI or Bajaj Wallet without a debit card, download the Bajaj Pay or Bajaj Wallet app from the Google Play Store or Apple App Store. Open the app, register, and verify your mobile number with the OTP received. For verification, choose either Aadhaar or net banking. If using Aadhaar, enter your Aadhaar number and authenticate with the OTP or biometric data. If using net banking, select your bank, log in with your net banking credentials, and verify. After verification, create your UPI ID and set a PIN to complete the setup.
Is a debit card necessary for UPI?
While debit cards were traditionally used to establish UPI accounts, Aadhaar verification has opened doors for those without debit cards.
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