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To secure UPI, protect both the phone and the payment authorization: use a strong device screen lock, keep your UPI PIN private, review any app lock and account limits your bank or UPI app offers, and know how to block your number if the phone is lost. Exact controls vary by handset, app, bank and payment type.

Keep your UPI PIN private

Your UPI PIN is an authorization credential, not a code to share with someone helping you. NPCI’s BHIM-UPI Guidelines, updated 4 June 2026, define it as a four- or six-digit passcode and advise: “Enter UPI PIN only on UPI PIN page”. Enter it only when the official UPI app displays that page to authorize a payment. Never disclose it to a caller, message sender or person claiming to be bank support.

NPCI’s guidelines also say: “Only sending money requires UPI PIN”. You do not enter a UPI PIN to receive money. If a request to receive funds asks you to reveal or enter your PIN, stop and verify what the app is asking you to do.

NPCI’s FAQ states, specifically about BHIM, “BHIM does not store or read your UPI-PIN details and your bank’s customer support will never ask for it.” Do not share OTPs either; contact your bank or service provider through official channels if you need help. NPCI BHIM-UPI Guidelines · NPCI UPI FAQ

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Review your phone lock and UPI authentication

Phone security and payment authorization protect different points of access. NPCI describes device binding as an authentication factor and the UPI PIN as an additional factor. Use a strong screen lock on your phone, keep its passcode private, and review whether your UPI app or bank offers a separate app lock or authentication setting. The menus and available options depend on your handset, operating system and app, so follow the labels shown on your device rather than assuming a universal path.

Optional biometric UPI authentication

NPCI circular OC-226, dated 7 October 2025, introduced optional on-device fingerprint or face authentication as an alternative to PIN entry for eligible UPI transactions. The circular set an initial cap of ₹5,000 per transaction and says the limit may be reviewed. Participating apps and PSP banks must validate device compatibility and security, including biometric enrollment and state. Availability is not universal; check your app and bank for current eligibility. This option does not replace the need to protect access to your phone.

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NPCI UPI ecosystem and glossary · NPCI Circular OC-226

Check the UPI limit for your account and payment type

A published network or category ceiling is not necessarily the amount your bank will allow for your account. NPCI’s FAQ lists these per-transaction figures: normal UPI transfers up to ₹1 lakh; up to ₹2 lakh for specified categories; and up to ₹5 lakh for IPO and Retail Direct Scheme transactions. These are FAQ figures, not a guarantee that every bank, account or transaction supports the full amount.

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For tax payments, the Reserve Bank of India announced on 8 August 2024 that it had decided to raise the UPI per-transaction limit from ₹1 lakh to ₹5 lakh, with instructions to follow. Check whether that limit is implemented for your payment and what your bank currently permits.

Payment context Published figure How to use it
Normal UPI transaction Up to ₹1 lakh per transaction (NPCI FAQ) Verify your bank’s account-specific limit.
Specified categories Up to ₹2 lakh per transaction (NPCI FAQ) Applies to the listed categories, not every UPI payment.
IPO and Retail Direct Scheme Up to ₹5 lakh per transaction (NPCI FAQ) Category-specific ceiling; check bank and app support.
Tax payment RBI announced an increase from ₹1 lakh to ₹5 lakh per transaction on 8 August 2024 Confirm implementation and your current bank controls.

To find or change your own limit, open your UPI app or bank app and look for its UPI, payment or account-limit controls; names and availability vary. If no setting is shown, ask your bank through its official support channel. There is no single menu path or universal user-set limit that applies across banks and apps. NPCI UPI FAQ · RBI Monetary Policy Statement, 8 August 2024

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Know what to do if your phone is lost

Do not rely on the screen lock alone. NPCI advises contacting your bank and blocking the mobile number linked to UPI if you lose your phone. Keep your bank’s official contact details and your mobile operator’s number-blocking process somewhere accessible from another device.

  1. Contact your bank using its official website, app or published phone number and report the lost phone.
  2. Ask your mobile operator to block the SIM or mobile number linked to UPI.
  3. Follow the bank’s instructions to secure affected accounts and restore access on a replacement device.

Before authorizing any payment, check the payee and amount. NPCI says an initiated UPI payment cannot be stopped, so do not assume it can be recalled after you approve it. NPCI UPI FAQ

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Reset your PIN only through official routes

If you need to reset your UPI PIN, use the reset option in your official UPI or bank app and complete its verification steps. NPCI’s guidelines describe resetting in the app. NPCI’s 2025 circular also provides for UIDAI face authentication as an optional way to set or reset a PIN, where participating app and bank support is available. Never use a reset link sent by an unsolicited caller or message; contact your bank through an official channel if the app’s process is unclear.

NPCI BHIM-UPI Guidelines · NPCI Circular OC-226

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