Today, UPI is just part of our everyday life.Whether it’s paying to sabziwala, splitting a coffee bill with your bestie, or managing monthly expenses you just have to tap, type, and it’s done. But convenience comes with responsibility. And especially for women managing the household budget, paying fees, buying groceries, or financially supporting their family members, your UPI PIN is literally the key to your money.
This blog will guide you on how to secure your UPI PIN and protect your hard-earned money, without making it complicated, scary, or overwhelming
What is a UPI PIN?
Your UPI PIN is a 4–6 digit secret code you create while setting up your UPI app.
It’s basically your digital signature that used to approve payments.
How to set your UPI PIN (Step-by-Step)
- Open your UPI app → Go to Bank Accounts
- Select your bank name
- Tap on Set UPI PIN or Create PIN
- Enter the last 6 digits of your debit card + expiry date
- Create a strong PIN (avoid: 1234, birth year, phone number)
- Confirm it → Done ✅
How to reset your UPI PIN if you forgot it :
- Open app → Bank account section
- Select Reset UPI PIN
- Enter debit card details again
- Create a new PIN
UPI Safety Tips Every Woman Should Know :
Because your financial independence deserves protection.
- Never share your UPI PIN
Never share your UPI PIN with anyone. Your UPI PIN is the key to your bank account, and once someone has it, they can instantly take your money. - Alert your bank immediately in case of suspicious activity
If someone calls you claiming to be from the bank and requests your UPI PIN “to verify your account” or “resolve a payment issue,” it is always a scam. Banks simply do not need your PIN for any reason. If you notice any withdrawal or unusual activity in your account which wasn’t authorized by you, deactivate your UPI immediately and notify your bank. - Always verify beneficiary details while transferring money
Sometimes our fingers move faster than our eyes. Always cross-check the receiver’s name before making a payment. This safe check can help you to prevent accidental transfers and potential fraud. - Use only your personal device for UPI payments.
Avoid accessing your UPI app on another person’s phone, as your UPI details and PIN can get stored or monitored without your knowledge. Your money is safest when accessed from your own secured device. - Enable fingerprint or Face ID lock on your UPI app.
Most payment apps allow an extra biometric lock. It’s a simple step that adds powerful protection to your UPI. Turning this on ensures that even if someone gets hold of your phone, they still can’t access your UPI app.
Common UPI Frauds Happening Right Now
Stay aware, not scared.
- Fake “Request Money” Links
This is one of the most common UPI scams today. The scammer sends you a request on your UPI app that looks like you’re about to receive money. But if you enter your UPI PIN, you actually send money to them.
Remember, you don’t need to enter your UPI PIN to receive money. If a payment is genuine, it will automatically appear in your account and no PIN is required. - Online Scam Alert: Fake Customer Care Numbers
Searching for a helpline on Google can be risky because many scammers run fake ads that look like real bank numbers.Only use customer care numbers from your official bank/UPI app or your bank’s website. - Job, Cashback or Reward Messages
Messages like “You’ve won cashback!” or “Earn money by doing a small task” often come with links or requests to enter your UPI details. The moment you enter your PIN,your money gets deducted.
Please remember real cashback from trusted apps happens automatically, without clicking links or sharing details. - Screen Sharing Fraud
In this scam, someone pretends to “help you solve a transaction issue” and asks you to install apps like AnyDesk, TeamViewer, or QuickSupport. These apps allow the other person to see your screen and control your phone remotely. Once they have access, they can view your UPI PIN, passwords, and even transfer money without your awareness.
Remember : No genuine bank or support person will ever need to see your screen.
New UPI Rule Changes You Should Know (NPCI Update)
The NPCI (National Payments Corporation of India) is tightening security:
- High value transactions may ask for additional authentication.
- Suspicious payments are now flagged faster.
- Some transfers may take a few extra seconds; that’s a safety feature, not a glitch.
If You Ever Face UPI Fraud — Don’t Panic. Act Fast.
- Call your bank’s customer care immediately.
- Lodge a complaint here: NPCI UPI Complaint portal → https://www.npci.org.in
- Report it on cybercrime.gov.in
Quicker the complaint, higher the chance of recovery.
A Gentle Reminder (Especially for Women)
You already manage so many things, your home, your work, planning, budgeting.
your people and your goals.
If you can manage everyone’s needs, you absolutely can manage your digital financial safety too. And you don’t need to be “tech-savvy” for this.
Lxmepay ensures strong security through encrypted systems and secure authentication, which keeps your financial information protected at every step
Just remember this one rule:
Never share your UPI PIN. Not with anyone. Not for any reason.
Not because you don’t trust others.
But because your financial independence is yours.
FAQ :
How often should I change my UPI PIN??
You should change your UPI PIN every few months or immediately if you suspect any unusual activity. Regular updates help keep your account more secure.
What should I do if I accidentally share my UPI PIN?
Immediately reset your UPI PIN and contact your bank to block or monitor suspicious activity.
Bookmark this for future reference
Comment ‘Safe’ if you have already used Lxme pay for your payments.
Further read:
UPI Complaint for Failed or Wrong Transactions