The SBI UPI PIN Reset facility allows customers to create a new UPI PIN when the existing PIN is forgotten, blocked after repeated incorrect attempts or needs to be changed for security reasons.
In YONO SBI, customers can open the UPI Profile, select the linked bank account and use the Reset UPI PIN option. SBI currently supports UPI PIN reset using eligible debit-card verification or Aadhaar-based verification when the Aadhaar number is correctly mapped with the registered mobile number and bank account.
The UPI PIN is different from the YONO MPIN, ATM PIN, Internet Banking password and debit-card CVV. It is primarily used to authorise UPI debit transactions from the linked bank account.
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| Reset a forgotten SBI UPI PIN through YONO SBI using eligible debit-card or Aadhaar-based verification. |
Table of Contents
- SBI UPI PIN Reset: Quick Information
- What Is an SBI UPI PIN?
- UPI PIN vs MPIN vs ATM PIN
- When Should You Reset the UPI PIN?
- How to Reset Forgotten SBI UPI PIN
- Reset UPI PIN Using Debit Card
- Reset UPI PIN Using Aadhaar
- Why Aadhaar Reset Option May Not Appear
- How to Change UPI PIN When You Know the Old PIN
- Number of PIN Tries Exceeded Error
- Wrong UPI PIN and Three-Attempt Rule
- Debit Card Not Found Error
- Registered Mobile and SIM Verification
- UPI PIN after Changing Mobile Phone
- UPI after SIM or Mobile Number Change
- SBI Account Not Showing in UPI
- UPI Limits after Setting or Resetting PIN
- Payment Failed after UPI PIN Reset
- Do You Need UPI PIN to Receive Money?
- What to Do If the Phone Is Lost
- How to Block SBI UPI Services
- UPI PIN Fraud and Collect-Request Warning
- Common Problems and Solutions
- UPI Security Tips
- Official SBI Assistance
- Frequently Asked Questions
- Official Sources
- Final Summary
SBI UPI PIN Reset: Quick Information
| Service | SBI UPI PIN set, reset or change |
|---|---|
| YONO navigation | YONO Pay → UPI → UPI Profile → Select Account → Reset UPI PIN |
| Reset method 1 | Eligible debit-card verification |
| Reset method 2 | Aadhaar mapped with the registered mobile number and bank account |
| Wrong PIN attempts | Maximum 3 attempts |
| PIN tries exceeded | Reset the UPI PIN for the affected account |
| First 24 hours after reset – Android | ₹5,000 maximum cumulative UPI amount under SBI's current cooling-period guidance |
| Initial period after reset – iOS | ₹5,000 per day for the first 5 days under SBI's current guidance |
| UPI blocking | Contact Centre: 1800 1234 → Press 0 → Press 3 |
What Is an SBI UPI PIN?
A UPI PIN is the confidential numeric credential used to authorise eligible UPI debit transactions from a bank account linked to a UPI application.
The PIN is linked with the selected bank account rather than simply with the mobile application.
For example, if a customer links the same SBI account with more than one eligible UPI application, the UPI PIN relates to the bank account and can be used through supported UPI apps after proper device and account registration.
Never share the UPI PIN with:
- SBI employees
- Customer-care callers
- Merchants
- Delivery agents
- Friends or relatives
- Screen-sharing operators
SBI UPI PIN vs YONO MPIN vs ATM PIN
| Credential | Main purpose |
|---|---|
| UPI PIN | Authorises eligible UPI debit transactions from the linked bank account |
| YONO MPIN | Convenient login to the YONO SBI application |
| ATM PIN | Debit-card and ATM authentication |
| Internet Banking Password | Login to SBI Internet Banking |
| Card CVV | Debit-card verification for eligible card transactions |
Do not deliberately use the same easy-to-guess digits for the UPI PIN, ATM PIN and YONO MPIN.
For YONO MPIN recovery, read: SBI YONO MPIN Reset Guide .
When Should You Reset the SBI UPI PIN?
Reset the PIN when:
- You forgot the existing UPI PIN
- The app displays “Number of PIN tries exceeded”
- The PIN may have been seen by another person
- You entered the PIN on a suspicious screen
- A fraudster may know the PIN
- You want to create a new secure PIN
Do not repeatedly guess a forgotten PIN.
How to Reset a Forgotten SBI UPI PIN in YONO
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| Open YONO Pay, select UPI Profile and the linked SBI account, then use Reset UPI PIN and complete verification. |
SBI's current UPI FAQ provides a Reset UPI PIN option for YONO SBI users.
The general process is:
- Open the official YONO SBI application.
- Login securely.
- Open YONO Pay.
- Select UPI.
- Open the UPI Profile or Manage UPI section.
- Select the bank account for which the UPI PIN is forgotten.
- Select Reset UPI PIN.
- Select the verification method displayed by SBI.
- Complete debit-card or Aadhaar-based verification.
- Complete OTP or other authentication requested by the app.
- Create a new UPI PIN.
- Re-enter the PIN where confirmation is required.
- Wait for the successful reset message.
Menu wording can change after a YONO update. Follow the current official UPI Profile screen.
Reset SBI UPI PIN Using Debit Card
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| SBI supports UPI PIN reset through eligible debit-card verification or Aadhaar-based authentication where available. |
SBI supports UPI PIN reset using debit-card details associated with the selected bank account.
The general process is:
- Open Reset UPI PIN for the required account.
- Select debit-card verification.
- Confirm that the debit card belongs to the same selected bank account.
- Enter only the card information requested by the official YONO screen.
- Complete OTP or card verification.
- Enter a new UPI PIN.
- Confirm the new PIN.
- Check the successful reset message.
If the SBI debit card itself is lost or compromised, block it instead of using it for PIN recovery.
For debit-card security guidance, read: SBI Debit Card Block & Unblock Guide .
Reset SBI UPI PIN Using Aadhaar
SBI currently supports setting or resetting UPI PIN using Aadhaar when the Aadhaar information is appropriately mapped with the registered mobile number and the bank account.
The general process is:
- Open YONO SBI and go to UPI Profile.
- Select the linked SBI account.
- Select Reset UPI PIN.
- Select the Aadhaar-based option where displayed.
- Enter only the Aadhaar information requested by the official app.
- Complete the OTP or Aadhaar-related authentication displayed.
- Complete bank verification where required.
- Create a new UPI PIN.
- Confirm the PIN.
- Check the successful-reset message.
The exact Aadhaar fields and OTP flow can change. Follow the current YONO screen rather than an old screenshot.
Why Is the Aadhaar UPI PIN Reset Option Not Showing?
The Aadhaar-based option may not be available in every situation.
Possible reasons include:
- Aadhaar is not correctly mapped with the selected bank account
- The mobile number used for UPI does not match the relevant registered records
- The selected account or bank setup does not currently offer Aadhaar verification through that screen
- The application needs an update
- Temporary Aadhaar or bank verification services are unavailable
When Aadhaar verification is unavailable, use an eligible debit-card method or contact SBI for account-specific guidance.
How to Change SBI UPI PIN When You Know the Old PIN
Changing a known UPI PIN is different from resetting a forgotten PIN.
The general process is:
- Login to YONO SBI.
- Open YONO Pay and UPI.
- Open UPI Profile or Manage Accounts.
- Select the required bank account.
- Select Change UPI PIN where available.
- Enter the current UPI PIN.
- Enter the new PIN.
- Confirm the new PIN.
- Check the successful-change message.
If the old PIN is not known, use Reset UPI PIN instead.
SBI UPI “Number of PIN Tries Exceeded” Error
SBI specifically advises customers receiving the Number of PIN tries exceeded message to reset the UPI PIN for the affected account.
Do this:
- Stop trying random PIN combinations.
- Open YONO SBI.
- Go to the UPI Profile.
- Select the affected account.
- Select Reset UPI PIN.
- Complete debit-card or Aadhaar verification.
- Create a new PIN.
Do not continue attempting the old PIN after the maximum number of tries has been reached.
Wrong SBI UPI PIN: How Many Attempts Are Allowed?
SBI's current UPI FAQ states that a maximum of three attempts are allowed when an incorrect UPI PIN is entered.
After repeated incorrect attempts, the customer may receive a PIN-tries-exceeded message and should use the official Reset UPI PIN facility.
This security restriction is designed to reduce unauthorised guessing of the account PIN.
SBI UPI “Debit Card Not Found” Error
SBI states that this error normally occurs when the debit card being used is not mapped with the selected bank account.
Check:
- The selected SBI account
- The debit card linked with that account
- Whether the card has been replaced
- Whether an old or another account's card is being used
- Whether the card is active and correctly mapped
Do not repeatedly enter details of unrelated debit cards.
If a newly issued replacement card is not recognised, allow normal bank-system updating time and contact SBI when the mapping remains incorrect.
Registered Mobile Number and SIM Verification
UPI registration uses the mobile number linked with the bank account and the SIM installed in the device.
Before resetting PIN or re-registering UPI:
- Install the bank-registered SIM in the phone
- Select the correct SIM in a dual-SIM phone
- Allow SMS permissions required by the official app
- Ensure outgoing SMS is available
- Maintain sufficient prepaid balance where applicable
- Use a stable mobile network
SBI's FAQ notes that mobile-number-fetch errors can occur because of network connectivity or insufficient prepaid balance.
Using SBI UPI after Changing the Mobile Phone
UPI registration is protected by device binding.
When the mobile handset changes but the registered SIM remains the same, the app may require re-verification.
The general process is:
- Install the official YONO SBI app on the new phone.
- Insert the registered SIM.
- Complete mobile and device verification.
- Select the SBI account.
- Enter the existing UPI PIN when requested for verification.
- Complete the re-registration process.
If the existing UPI PIN is also forgotten, use the official reset process instead of guessing.
What Happens after SIM or Mobile Number Change?
Same Mobile Number, Replacement SIM
Fresh device or SIM verification may be required even when the mobile number remains unchanged.
New Mobile Number
The new number must be correctly linked with the SBI account before UPI registration can use it.
When both the handset and registered mobile number have changed, SBI advises customers to update the new mobile number with the Bank and complete UPI registration again.
Do not attempt to register the account using another person's SIM.
SBI Bank Account Not Showing in UPI
Possible reasons include:
- The mobile number does not match SBI records
- The selected SIM is incorrect
- The account is not correctly mapped with the mobile number
- The account is inactive or restricted
- The bank-account discovery request temporarily failed
- Network connectivity is poor
Try:
- Confirm the registered mobile number.
- Select the correct SIM.
- Restart the phone.
- Update the official app.
- Retry bank-account discovery.
- Contact SBI if the account remains missing.
SBI UPI Limits after Setting or Resetting UPI PIN
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| After a UPI PIN reset, temporary security limits may apply; never share the UPI PIN and block UPI promptly if the phone is lost. |
SBI applies a security cooling period after setting or resetting a UPI PIN.
Android
SBI's current guidance states that the first transaction after setting or resetting the UPI PIN is subject to a maximum of ₹5,000, with a cumulative amount of ₹5,000 during the first 24 hours.
iOS
SBI currently states a limit of ₹5,000 per day for the first five days after setting or resetting the PIN.
After the Cooling Period
SBI currently publishes a standard limit of up to ₹1,00,000 per transaction and per day for normal BHIM SBI Pay / YONO SBI / YONO for Every Indian UPI transactions, subject to transaction type, NPCI rules and Bank discretion.
UPI Payment Failed after Resetting the PIN
A newly reset PIN does not mean that every payment amount becomes immediately available.
Check:
- The post-reset cooling-period limit
- Available bank-account balance
- Correct UPI PIN
- Daily transaction limit
- Mobile-network connectivity
- SBI UPI service availability
- Beneficiary UPI status
If the app shows that money was debited but the beneficiary did not receive it, do not repeatedly send the same payment until the original transaction status is checked.
Do You Need a UPI PIN to Receive Money?
You do not need to enter your UPI PIN simply because another person is sending money to your bank account.
A UPI PIN is used when you authorise a debit, payment, mandate or another transaction that moves money from your account.
Always check:
- Whether the screen says Pay, Send, Approve or Mandate
- The recipient name
- The amount
- Whether money is being debited from your account
What to Do If the Phone with SBI UPI Is Lost
SBI advises customers to block the lost mobile number through the telecom provider and disable UPI services through SBI.
Recommended steps:
- Block the lost SIM with the mobile operator.
- Call the SBI Contact Centre immediately.
- Disable UPI services for the affected SBI account.
- Block the debit card as well if the card was also lost.
- Secure Internet Banking when credentials may be compromised.
- Review recent account transactions.
- Report any unauthorised electronic transaction immediately.
How to Block SBI UPI Services through Contact Centre
Current SBI Contact Centre numbers include:
- 1800 1234
- 1800 2100
Current UPI Blocking IVR
- Call the SBI Contact Centre.
- Select the preferred language.
- Press 0 for ATM Card, Internet Banking and UPI blocking.
- Press 3 for UPI Blocking.
- Enter the last four digits of the account number when requested.
- Complete the confirmation.
- Check the registered mobile number for SBI's confirmation SMS.
IVR menus can change. Listen to the current recorded options before proceeding.
SBI UPI PIN Fraud and Collect-Request Warning
Never share:
- UPI PIN
- OTP
- ATM PIN
- YONO MPIN
- Internet Banking password
- Debit-card CVV
Fake Refund Scam
A fraudster may claim that a refund, prize or payment is waiting and ask you to enter your UPI PIN.
Read the transaction screen. If it displays a debit amount, collect request or mandate approval, entering the PIN can send money out of your account.
Remote-Access Scam
Never install screen-sharing or remote-control software at the instruction of a caller claiming to reset your UPI PIN.
QR Code Scam
Scanning a QR code is normally used to initiate a payment. Do not scan an unknown QR code merely because someone claims it will credit money to you.
Common SBI UPI PIN Reset Problems and Solutions
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| Check PIN attempts, debit-card mapping, Aadhaar linkage, registered SIM and bank-account visibility when UPI PIN reset fails. |
| Problem | What to check |
|---|---|
| Forgot UPI PIN | Open UPI Profile, select the account and use Reset UPI PIN. |
| PIN tries exceeded | Stop guessing the PIN and reset it using debit-card or Aadhaar verification. |
| Debit Card Not Found | Confirm that the debit card is mapped with the selected SBI account. |
| Aadhaar reset option missing | Check Aadhaar, registered-mobile and account mapping or use debit-card verification. |
| Unable to fetch mobile number | Check network connectivity, registered SIM, SMS permissions and prepaid balance. |
| Account not visible | Verify that the mobile number is linked to the SBI account and retry account discovery. |
| New PIN accepted but payment limit is low | SBI applies a post-reset security cooling period. |
| Payment fails after reset | Check the cooling-period limit, balance, transaction limit and UPI service status. |
| UPI not working on new phone | Complete device re-verification using the bank-registered SIM. |
SBI UPI Security Tips
- Never disclose the UPI PIN to anyone.
- Do not enter UPI PIN merely to receive money.
- Read the payee name and amount before authorising a payment.
- Reject unknown collect requests.
- Never approve an unknown UPI mandate.
- Do not scan unknown QR codes for a promised refund.
- Use only official SBI applications and trusted UPI apps.
- Keep the mobile screen lock enabled.
- Do not install remote-access apps for banking support.
- Block the SIM and UPI immediately when the phone is lost.
- Report unauthorised electronic transactions without delay.
Official SBI Assistance
Current SBI Contact Centre numbers include:
- 1800 1234
- 1800 2100
- 1800 11 2211
- 1800 425 3800
- 080-26599990
For reporting unauthorised electronic transactions, SBI currently lists:
- 1800 11 1109
- 94491 12211
- 080-26599990
Official customer-care page: SBI Customer Care .
Frequently Asked Questions
How can I reset my SBI UPI PIN?
Login to YONO SBI, open YONO Pay and UPI, go to UPI Profile, select the linked account and choose Reset UPI PIN.
Can I reset SBI UPI PIN using my debit card?
Yes. SBI supports reset through eligible debit-card verification linked with the selected bank account.
Can I reset UPI PIN using Aadhaar?
Yes. SBI supports Aadhaar-based UPI PIN set or reset when Aadhaar is appropriately mapped with the registered mobile number and bank account.
Why is the Aadhaar option not showing?
The required Aadhaar, mobile-number or account mapping may not be available for that account, or the current app may not offer the option in that situation.
How many wrong UPI PIN attempts are allowed?
SBI's current FAQ states that a maximum of three incorrect PIN attempts are allowed.
What should I do when “Number of PIN tries exceeded” appears?
Reset the UPI PIN for the affected bank account through the official UPI Profile.
What does “Debit Card Not Found” mean?
SBI states that this normally means the debit card being used is not mapped with the selected bank account.
Is the UPI PIN the same as my YONO MPIN?
No. YONO MPIN is primarily for app login. UPI PIN authorises eligible UPI debit transactions.
Is the UPI PIN the same as the ATM PIN?
No. They are separate credentials.
Do I need my UPI PIN to receive money?
You do not need to enter the UPI PIN simply for someone to credit money to you. Entering a UPI PIN generally authorises an outgoing debit, payment or mandate.
Why is my transaction limit only ₹5,000 after resetting the PIN?
SBI applies a security cooling period after UPI PIN set or reset. Current limits differ for Android and iOS during the initial period.
What is the Android cooling period after UPI PIN reset?
SBI currently states a cumulative limit of ₹5,000 during the first 24 hours.
What is the iPhone cooling period?
SBI currently states ₹5,000 per day for the first five days.
What happens when I change my phone?
UPI device re-verification is generally required. Use the SBI-registered SIM and complete the verification requested by the app.
What happens when I change my mobile number?
Update the new mobile number in SBI records before completing UPI registration with that number.
How can I block SBI UPI if my phone is lost?
Call 1800 1234, press 0 for blocking services and press 3 for UPI Blocking.
Can a UPI transfer be stopped after I authorise it?
SBI states that once a UPI payment has been authorised, a stop-payment request cannot be placed for that transfer.
Should I share the UPI PIN with SBI customer care?
No. Never disclose UPI PIN, OTP, ATM PIN, YONO MPIN, Internet Banking password or CVV.
Official Sources Checked
- SBI UPI Customer Care FAQs
- BHIM SBI Pay
- SBI UPI Limits and Cooling Period Guidance
- SBI Contact Centre
- SBI Customer Care
- Official YONO SBI
Final Summary
A forgotten SBI UPI PIN can be reset through YONO SBI by opening the UPI Profile, selecting the linked bank account and choosing Reset UPI PIN.
SBI currently supports reset using eligible debit-card details or Aadhaar-based verification when Aadhaar is correctly mapped with the registered mobile number and bank account.
Only three incorrect UPI PIN attempts are allowed according to SBI's current FAQ. If the app shows “Number of PIN tries exceeded,” stop guessing and reset the PIN.
After setting or resetting UPI PIN, SBI applies a security cooling period. Android users currently have a ₹5,000 cumulative limit during the first 24 hours, while iOS users have a ₹5,000-per-day limit for the first five days.
The UPI PIN is not the YONO MPIN or ATM PIN. Never disclose it to anyone and do not enter it merely because somebody claims you must enter the PIN to receive money.
If the phone is lost, block the SIM and disable SBI UPI immediately. Current SBI Contact Centre UPI blocking is available through 1800 1234 → Press 0 → Press 3.