How to Link Your Aadhaar Card to UPI for Secure Transactions

A step-by-step guide to creating a secure UPI PIN for instant money transfers, using your Aadhaar card for verification.
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How to Link Your Aadhaar Card to UPI for Secure Transactions
3 mins read
4 May 2024

UPI, or Unified Payments Interface, allows for easy and instant money transfers using your smartphone. To authorize these transactions, you need a secure UPI PIN. Here's how to set it up using your Aadhaar card:

Requirements to set up UPI PIN with Aadhaar

  • Smartphone with a UPI-enabled app: Choose an app offered by your bank or a trusted third-party provider.
  • Registered bank account with mobile number linked to Aadhaar: Ensure your bank account is registered with the app and the mobile number linked to your Aadhaar is the same as the one registered with the app.
  • Active Aadhaar card: Make sure your Aadhaar card is active and linked to your bank account.

Steps to link your Aadhaar to UPI

  1. Open the UPI app: Launch your chosen UPI app on your smartphone.
  2. Go to UPI settings: Locate the section for ‘UPI PIN’ or ‘SET PIN’ within the app settings.
  3. Choose the ‘Aadhaar OTP’ option: Select the option to set UPI PIN using Aadhaar OTP instead of debit card verification.
  4. Enter Aadhaar details: Enter the first six digits of your Aadhaar number.
  5. Receive and enter OTPs: You'll receive two OTPs - one from your bank and another from UIDAI (Aadhaar authority). Enter both OTPs in the designated fields.
  6. Create your UPI PIN: Set a strong 4- or 6-digit UPI PIN of your choice. Remember it well, as you'll need it for every UPI transaction.
  7. Confirm PIN: Re-enter your chosen UPI PIN for confirmation.
  8. PIN set successfully: You'll receive a confirmation message upon successful PIN setup.

Benefits of using Aadhaar for UPI transactions

  1. Convenient payments: Aadhaar simplifies UPI payments by linking bank accounts directly to an individual's Aadhaar number, making transactions more accessible.
  2. Seamless transfers: No need to remember UPI IDs or mobile numbers; Aadhaar-based transactions enable smooth fund transfers.
  3. Enhanced security: Aadhaar-based UPI transactions use biometric or OTP authentication, adding an extra layer of security for users.
  4. Promotes financial inclusion: Aadhaar enables even rural and underbanked populations to participate in digital transactions, supporting financial inclusion.
  5. No need for multiple apps: Users can make UPI transactions using their Aadhaar number through various banking platforms without needing specific payment apps.
  6. Government subsidies: Aadhaar-linked UPI ensures direct benefit transfers (DBT) for government schemes, reaching beneficiaries faster.

How to make payments using Aadhaar-linked UPI

  1. Open the Bajaj Finserv app
  2. Under Bajaj Pay, go to ‘UPI’
  3. Create your new UPI PIN using Aadhaar if it does not exist
  4. Verify your identity using the last 6-digits of your Aadhaar
  5. Enter the OTP received on your mobile number
  6. Enter the amount you want to transfer and click on ‘PROCEED’
  7. Enter your UPI PIN and complete the transaction

Conclusion

With your UPI PIN securely established using your Aadhaar card, enjoy the convenience of instant money transfers, bill payments, and online shopping. Remember to guard your UPI PIN diligently and avoid sharing it with anyone. By following these steps and adopting safe practices, you can confidently navigate the world of UPI and reap its numerous benefits.

Now, you can do UPI transactions with enhanced security and convenience via the Bajaj Finserv BBPS Platform.

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 I link my Aadhaar Card to UPI without a mobile number?

No, a mobile number is required for UPI as it facilitates OTP verification. However, the Aadhaar number can be used as an identifier for transactions once the mobile number is linked.

Is Aadhaar-based UPI safe?

Yes, Aadhaar-based UPI is safe as it uses biometric or OTP authentication for transactions. The dual-factor authentication mechanism ensures that the user’s identity is securely verified, minimising fraud risks.

How can I know if my bank supports Aadhaar-based UPI?

To check if your bank supports Aadhaar-based UPI, visit your bank’s website, mobile app, or contact customer service. Many major banks offer this service, but it is essential to confirm with your bank.

Can I change my UPI from mobile number-based to Aadhaar-based?

Yes, you can switch to Aadhaar-based UPI by linking your Aadhaar number to your bank account via the UPI platform. The process is available on many banking apps, but it depends on your bank's policies.

What should I do if my Aadhaar-based UPI transaction fails?

If your Aadhaar-based UPI transaction fails, check your bank account for debits. If the issue persists, contact your bank's customer support with transaction details, or raise a dispute through your UPI app to resolve the issue.

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