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You can change a known UPI PIN or reset a forgotten one in your payment app’s bank-account settings. Bank-account links are also managed there. UPI transaction limits are different: they can depend on the app, bank, payment type, and account, and there is no universal setting that lets every user raise them.
Change a UPI PIN you know
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Open your UPI app and go to the settings for the bank account you use to make payments. Menu names vary by app.
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Select Change UPI PIN or the equivalent option. In BHIM, the NPCI’s 2026 guidelines distinguish this from Reset UPI PIN.
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Enter your current PIN and follow the app’s verification prompts to set the new one.
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A UPI PIN is a 4-to-6-digit passcode that authorizes transactions, according to the NPCI UPI FAQ. Enter it only in the trusted app’s payment or PIN-management flow. Never share it with anyone: NPCI says bank customer support will not ask you to reveal it. You do not need to enter your PIN to receive money.
Reset a forgotten UPI PIN
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In your UPI app, open the settings for the relevant bank account and choose Reset UPI PIN, Forgot PIN, or the equivalent option.
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Follow the verification steps shown in the app. The NPCI BHIM guidelines updated 4 June 2026 illustrate entering debit-card details, verifying an OTP, then entering and confirming a new PIN.
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For BHIM, have the debit card linked to that bank account available; BHIM’s app FAQ says it is needed for the reset. Other apps and banks may offer different verification steps, so follow the instructions currently displayed for your account.
If the app rejects the PIN or pauses payments after repeated incorrect attempts, stop guessing and use its reset or help flow. BHIM says repeated wrong-PIN attempts can lead to a 24-hour wait before transactions are allowed again; NPCI notes that temporary blocks can vary by bank. That BHIM timing should not be assumed for every app or bank.
Understand and check UPI transaction limits
UPI limits are not a single figure that every user can change in an app setting. The applicable cap can depend on the payment category, app controls, the bank that issued the account, and whether a limit applies per transaction, per day, or by transaction count. A bank or app may also impose a lower cap than a broader UPI ceiling.
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The NPCI FAQ lists a normal UPI ceiling of up to ₹1 lakh per transaction and identifies higher ceilings for certain categories. Google Pay’s current help pages describe separate conditions for its users. These examples are not guarantees for other apps or accounts:
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| NPCI normal UPI ceiling | Up to ₹1 lakh per transaction, with category exceptions, per the NPCI FAQ. | The FAQ does not state a publication year; the bank or app may apply a lower limit. |
| BHIM sending limit | BHIM’s FAQ states a ₹40,000 per-day sending limit. | BHIM says the bank’s limit may differ. The FAQ does not state a publication year. |
| Google Pay person-to-person payments | Google Pay Help, accessed in 2026, says payments can be subject to a total of up to ₹1 lakh from one bank account in the last 24 hours, as well as transaction-count limits. | Newly added or reinstalled accounts may have lower initial limits. Bank limits can be lower, and the page’s guidance applies to Google Pay rather than every UPI app. |
For Google Pay’s category-specific rules, initial restrictions, and issuing-bank entries, check its pages for standard UPI transaction limits and issuing-bank-wise limits. Limits can change, so check the current app and bank guidance before relying on a particular amount. If a payment is being declined or you need a higher account-level cap, ask the issuing bank whether it can change the restriction; do not assume an in-app control can raise it.
Add, select, or remove a linked bank account
In most UPI apps, account management is under a bank-account or payment-method section. Use that area to add an eligible account, choose which linked account to pay from, or remove one. Exact labels and steps differ across apps.
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Google Pay: remove an account
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Tap your profile picture.
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Choose Bank account, then select the account.
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Tap More and choose Remove account.
These are the steps in Google Pay Help. Google says that to update an account, you must remove it and add it again.
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Check the setup conditions before trying to link the account again:
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Confirm that the mobile number verified in the UPI app matches the number registered with the bank.
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Check whether the bank is supported by the app.
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For Google Pay, make sure the phone can send outgoing SMS messages and, on a dual-SIM phone, that the SIM with the bank-registered number is selected for verification.
Google Pay lists these as account-linking requirements in its bank-account help. If the number, SIM, and SMS setup are correct but the account still does not appear, contact the bank or app support to check eligibility and account status.
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