{"id":762,"date":"2024-10-21T07:51:37","date_gmt":"2024-10-21T02:21:37","guid":{"rendered":"https:\/\/rzplearn.com\/?p=762"},"modified":"2025-04-10T16:56:10","modified_gmt":"2025-04-10T11:26:10","slug":"generate-upi-mpin-pin","status":"publish","type":"post","link":"https:\/\/razorpay.com\/learn\/generate-upi-mpin-pin\/","title":{"rendered":"What is MPIN? Meaning, Full Form &#038; How to Generate It"},"content":{"rendered":"\r\n<p>As <a href=\"https:\/\/razorpay.com\/learn\/what-is-online-transaction\/\">online transactions<\/a> become increasingly common for both individuals and businesses, security concerns remain a significant issue due to frequent reports of fraud and scams. To enhance transaction security, mobile banking apps and UPI platforms now require an MPIN for verification. An MPIN is a unique passcode that you must enter to authenticate your identity before completing any transaction.<\/p>\r\n<p><span style=\"font-weight: 400;\">Read on to discover everything about MPIN, including how it works, how to get it, and how to change it.<\/span><\/p>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e23fe95416a\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e23fe95416a\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/learn\/generate-upi-mpin-pin\/#What-Is-An-MPIN-Number\" >What Is An MPIN Number?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/learn\/generate-upi-mpin-pin\/#MPIN-Number-Example\" >MPIN Number Example<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/learn\/generate-upi-mpin-pin\/#Uses-of-MPIN\" >Uses of MPIN<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/learn\/generate-upi-mpin-pin\/#How-to-Generate-MPIN\" >How to Generate MPIN?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/learn\/generate-upi-mpin-pin\/#What-Is-the-Difference-Between-UPI-PIN-ATM-PIN-and-MPIN\" >What Is the Difference Between UPI PIN, ATM PIN, and MPIN?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/learn\/generate-upi-mpin-pin\/#Best-Practices-for-MPIN-Usage\" >Best Practices for MPIN\u00a0 Usage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/razorpay.com\/learn\/generate-upi-mpin-pin\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/razorpay.com\/learn\/generate-upi-mpin-pin\/#Frequently-Asked-Questions-FAQs\" >Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What-Is-An-MPIN-Number\"><\/span><b>What Is An MPIN Number?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><b>MPIN<\/b><span style=\"font-weight: 400;\"> stands for <\/span><b>Mobile Personal Identification Number<\/b><span style=\"font-weight: 400;\"> and is a 4 or 6-digit passcode used to authenticate transactions and verify identity on mobile banking and payment apps. It plays a key role in securing mobile banking activities such as logging into your account, making payments, and transferring funds.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Now, let us take an example of an MPIN number. To create and manage an MPIN, register with a bank or financial institution that offers digital banking services like a <a href=\"https:\/\/razorpay.com\/learn\/what-is-mmid\/\">mobile money identifier<\/a>. You will be asked to set up a personalised PIN during registration. This PIN acts as your MPIN.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">The MPIN facilitates various banking services such as fund transfers, bill payments, and mobile wallet transactions. Whenever you initiate a transaction through your mobile device, you will be prompted to enter your MPIN to authenticate and authorise the transaction.<\/span><\/p>\r\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Related Read: How to Find UPI ID Using Google Pay?&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:332799,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:14277081},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;9&quot;:0,&quot;10&quot;:1,&quot;11&quot;:3,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;,&quot;19&quot;:0,&quot;21&quot;:0}\">Related Read: <a href=\"https:\/\/razorpay.com\/learn\/how-to-find-upi-id-in-google-pay\/\">How to Find UPI ID Using Google Pay?<\/a><\/span><\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"MPIN-Number-Example\"><\/span><b>MPIN Number Example<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">An example of an MPIN could be a 4-digit code like 8373 or a 6-digit code like 192304.<\/span><\/p>\r\n<p><b>Example Scenario: Using MPIN for Fund Transfer<\/b><\/p>\r\n<p><span style=\"font-weight: 400;\">Imagine a user named Raj who wants to transfer money to a friend using his bank&#8217;s mobile app. Here\u2019s how he uses his MPIN in the process:<\/span><\/p>\r\n<ol>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Open the App<\/b><span style=\"font-weight: 400;\">: Raj launches his mobile banking app on his smartphone, entering his MPIN (e.g., 192304) to access his account.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Select Transfer Option<\/b><span style=\"font-weight: 400;\">: After logging in, he navigates to the &#8216;Fund Transfer&#8217; section and enters his friend&#8217;s bank account details and the amount to be sent.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enter MPIN Again<\/b><span style=\"font-weight: 400;\">: Before completing the transaction, the app prompts Raj to enter his MPIN once more for authentication. He inputs his MPIN, 192304.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b style=\"font-size: 19px;\">Transaction Completed<\/b><span style=\"font-weight: 400;\">: Upon successful entry of the MPIN, the transaction is authorised, and the funds are swiftly transferred to his friend\u2019s account.<\/span><\/li>\r\n<\/ol>\r\n<h2><span class=\"ez-toc-section\" id=\"Uses-of-MPIN\"><\/span><b>Uses of MPIN<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">An MPIN is an essential tool in mobile banking and payment applications, facilitating a variety of activities. Here are some common uses of an MPIN:<\/span><\/p>\r\n<ol>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Logging into Your Account:<\/b><span style=\"font-weight: 400;\"> Securely access your mobile banking app or UPI application.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Making Payments:<\/b><span style=\"font-weight: 400;\"> Authorize payments for goods and services swiftly and securely.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transferring Funds:<\/b><span style=\"font-weight: 400;\"> Initiate and confirm fund transfers between accounts.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Shopping Online:<\/b><span style=\"font-weight: 400;\"> Complete online purchases with added security.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Making Bill Payments:<\/b><span style=\"font-weight: 400;\"> Authorize utility and service bill payments conveniently.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b style=\"font-size: 19px;\">Authorizing Immediate Funds Transfers (IMPS):<\/b><span style=\"font-weight: 400;\"> Facilitate interbank transfers instantly with a simple authentication step.<\/span><\/li>\r\n<\/ol>\r\n<h2><span class=\"ez-toc-section\" id=\"How-to-Generate-MPIN\"><\/span><b>How to Generate MPIN?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">You can follow these general steps to obtain an MPIN number online:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 1:<\/b><span style=\"font-weight: 400;\"> Open your bank\u2019s app and locate the \u201cGenerate MPIN\u201d option.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 2:<\/b><span style=\"font-weight: 400;\"> Enter the last six digits of your debit card number and its expiry date.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 3:<\/b><span style=\"font-weight: 400;\"> Check your registered mobile phone for an OTP and enter it to confirm.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 4:<\/b><span style=\"font-weight: 400;\"> Choose your desired MPIN and tap \u201cSubmit.\u201d<\/span><\/li>\r\n<\/ul>\r\n<p><span style=\"font-weight: 400;\">In the sections below, let\u2019s explore how to generate an MPIN using various methods:<\/span><\/p>\r\n<h3><b>1. Through UPI Apps<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">You can access your UPI app to easily generate an MPIN directly from the app settings:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Sign in to your UPI app with your banking credentials.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Go to the settings or profile section.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Look for the option to establish an MPIN.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Follow the on-screen instructions to generate and confirm your MPIN.<\/span><\/li>\r\n<\/ul>\r\n<h3><b>2. Through Net Banking<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">Log in to your bank\u2019s online banking portal to create or reset your MPIN with a few simple steps:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Log in to your bank\u2019s online banking portal with your customer ID and internet banking password.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Find the mobile banking section.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Select the option to set an MPIN.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Verify with the OTP that will be sent to your registered mobile number (RMN).\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Enter MPIN and confirm it. <\/span><\/li>\r\n<\/ul>\r\n<h3><b>3. Through the Bank Branch<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">You can also visit your bank branch to receive personalized assistance in generating your MPIN:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Visit your bank branch.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ask a bank representative for assistance in creating an MPIN for mobile banking services.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Provide identification and account information for verification.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Follow the guidance provided by bank staff to finalize the process.<\/span><\/li>\r\n<\/ul>\r\n<p><i><span style=\"font-weight: 400;\">Related Read: <\/span><\/i><strong><a href=\"https:\/\/razorpay.com\/learn\/how-to-apply-sbi-atm-card\/\"><i>How to Apply for an SBI ATM Card?<\/i><\/a> <\/strong><\/p>\r\n<h3><b>4. Through ATM Card<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">Use your ATM card at an ATM to securely set up or reset your MPIN through the on-screen menu:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Insert your ATM card into the ATM.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Enter your PIN to access the menu options.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Select either \u201cBanking\u201d or \u201cMPIN Setup\u201d from the menu.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">If you\u2019ve forgotten your MPIN, select \u201cForgot MPIN\/Login Password\u201d instead.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Authenticate your identity by entering the OTP sent to your registered mobile number (RMN).<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Follow the on-screen prompts to securely set up your new MPIN.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Once generated, you will receive a confirmation of your MPIN generation on your RMN.<\/span><\/li>\r\n<\/ul>\r\n<p><i><span style=\"font-weight: 400;\">Related Read: <\/span><\/i><a href=\"https:\/\/razorpay.com\/learn\/how-to-unblock-atm-card\/\"><b><i>How To Unblock ATM a Card?<\/i><\/b><\/a><\/p>\r\n<h3><b>5. Through USSD Code\u00a0<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">USSD (Unstructured Supplementary Service Data) allows you to set a new MPIN conveniently, especially for feature phones without internet access.<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To begin, dial <\/span><b>*99#<\/b><span style=\"font-weight: 400;\"> on your mobile phone.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select the option for <\/span><b>\u201cGenerate MPIN\u201d<\/b><span style=\"font-weight: 400;\"> by choosing the corresponding number listed for the service.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enter the last six digits of your debit card number, followed by a space, and then the expiry date.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Input your desired new MPIN and send it.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A confirmation message will indicate that your unique MPIN has been successfully generated.<\/span><\/li>\r\n<\/ul>\r\n<p><b style=\"color: #111111; font-family: Roboto, Arial, sans-serif; font-size: 1.6315em;\">How to Change MPIN?\u00a0<\/b><\/p>\r\n<p><b>Here are the steps you need to follow to modify your MPIN:<\/b><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 1:<\/b><span style=\"font-weight: 400;\"> Open your mobile banking app. Log in using your credentials or MPIN.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 2:<\/b><span style=\"font-weight: 400;\"> Look for the &#8220;More&#8221; option or navigate to the &#8220;Settings&#8221; section within the app.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 3:<\/b><span style=\"font-weight: 400;\"> Within the &#8220;Settings&#8221;, locate and select the option to change your MPIN<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 4:<\/b><span style=\"font-weight: 400;\"> Provide both your current MPIN and then input the new MPIN that you wish to set.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 5:<\/b><span style=\"font-weight: 400;\"> Confirm the MPIN entry for accuracy verification.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 6:<\/b><span style=\"font-weight: 400;\"> After confirmation, an OTP will be sent to your registered number for validation.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>STEP 7:<\/b><span style=\"font-weight: 400;\"> Input the OTP within the specified timeframe to finalise and validate the updated MPIN.<\/span><\/li>\r\n<\/ul>\r\n<p><span style=\"font-weight: 400;\">Alternatively, if you prefer changing your MPIN through a UPI app, follow the above procedure for setting up an MPIN.<\/span><\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"What-Is-the-Difference-Between-UPI-PIN-ATM-PIN-and-MPIN\"><\/span><b>What Is the Difference Between UPI PIN, ATM PIN, and MPIN?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">You can understand the unique roles and functionalities of <a href=\"https:\/\/razorpay.com\/learn\/what-is-a-upi-pin\/\">UPI PIN<\/a>, ATM PIN, and MPIN in their banking activities by delineating these differences.<\/span><\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td>\r\n<h3><b>Parameter<\/b><\/h3>\r\n<\/td>\r\n<td>\r\n<h3><b>MPIN<\/b><\/h3>\r\n<\/td>\r\n<td>\r\n<h3><b>ATM PIN<\/b><\/h3>\r\n<\/td>\r\n<td>\r\n<h3><b>UPI PIN<\/b><\/h3>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Purpose<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Authorise mobile banking transactions (<\/span><a href=\"https:\/\/razorpay.com\/learn\/neft\/\"><span style=\"font-weight: 400;\">NEFT<\/span><\/a><span style=\"font-weight: 400;\">, IMPS)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Authenticate debit card transactions (withdrawal, POS transactions)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Authenticate transactions through UPI Applications.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Length of Code<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4 to 6 digits<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4 digits<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">4 to 6 digits<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">PIN Setup\/Reset<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Bank\u2019s app, internet banking, bank branch and ATM machine.<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Bank\u2019s app, internet banking, bank branch and ATM machine.<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Through the UPI App<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Use Cases<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Mobile banking transactions or bank app<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/razorpay.com\/learn\/how-to-withdraw-money-from-atm\/\">ATM cash withdrawal,<\/a> offline debit card purchases or balance check<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400;\">Offline\/online transactions through QR code or<\/span><a href=\"https:\/\/razorpay.com\/learn\/what-is-upi-id\/\"> <span style=\"font-weight: 400;\">UPI ID<\/span><\/a><span style=\"font-weight: 400;\">, and balance checks through the UPI app<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Related Read:<\/span><em><strong> <a href=\"https:\/\/razorpay.com\/blog\/difference-between-bhim-and-upi\/\">What is the Difference Between BHIM and UPI?<\/a><\/strong><\/em><\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"Best-Practices-for-MPIN-Usage\"><\/span><b>Best Practices for MPIN\u00a0 Usage<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">To enhance security when using MPINs, it&#8217;s essential to follow recommended practices and guidelines. Here are some best practices to ensure the effectiveness of your MPIN:<\/span><\/p>\r\n<ol>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Choose a Strong MPIN:<\/b><span style=\"font-weight: 400;\"> Create a unique MPIN that is difficult to guess and not linked to personal details. Incorporate a mix of numbers, special characters, and letters for added security.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Memorise Your MPIN:<\/b><span style=\"font-weight: 400;\"> Avoid writing down or sharing your MPIN with anyone. Memorising it helps protect your mobile banking account from unauthorized access.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Change Your MPIN Regularly:<\/b><span style=\"font-weight: 400;\"> Update your MPIN frequently to reduce the risk of unauthorized entry. Set reminders to change it every month for added security.<\/span><\/li>\r\n<\/ol>\r\n<h3><strong>Common Mistakes to Avoid:<\/strong><\/h3>\r\n<ol>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Weak MPIN Selection:<\/b><span style=\"font-weight: 400;\"> Avoid choosing simple MPINs that are easy to guess, such as birthdates, sequential numbers, or repetitive digits. Opt for a complex combination that employs alphanumeric characters and symbols to enhance security.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sharing MPINs:<\/b><span style=\"font-weight: 400;\"> Sharing your MPIN significantly increases the risk of unauthorized access to your accounts. Keep your MPIN confidential.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b style=\"font-size: 19px;\">Using Common Patterns:<\/b><span style=\"font-weight: 400;\"> Avoid using easily recognizable patterns, such as straight lines or shapes on a numeric keypad, which can be guessed easily.<\/span><\/li>\r\n<\/ol>\r\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">An MPIN is crucial for verifying mobile banking transactions and securing your financial information. Regularly updating your MPIN enhances your mobile banking security, which can be easily managed through banking apps or USSD services. Understanding the significance of MPINs is essential for safe transactions. We hope this article has clarified what an MPIN is and how to effectively manage it for a secure mobile banking experience.<\/span><\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-FAQs\"><\/span><b>Frequently Asked Questions (FAQs)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<h3><b>1. How do you use MPIN?<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">Your MPIN is used only when you transact through your mobile. Banks give this security code to their customers when they register for mobile banking.<\/span><\/p>\r\n<h3><b>2. How do you get your MPIN number?<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">Open the mobile banking app and click on \u2018Forgot MPIN\u2019. Fill in your details, add a new 6-digit MPIN and confirm your new MPIN.<\/span><\/p>\r\n<h3><b>3. Is MPIN an ATM PIN?<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">An MPIN differs from an ATM PIN. An ATM PIN is for using<\/span><a href=\"https:\/\/razorpay.com\/learn\/what-is-atm\/\"> <span style=\"font-weight: 400;\">ATMs<\/span><\/a><span style=\"font-weight: 400;\"> and debit card transactions, while an MPIN is for mobile banking activities.\u00a0<\/span><\/p>\r\n<h3><strong>4. Is MPIN and UPI PIN the same?<\/strong><\/h3>\r\n<p><span style=\"font-weight: 400;\">No, MPIN and UPI PIN are not the same. An MPIN (Mobile Personal Identification Number) is used for mobile banking applications and general transaction authentication, while a UPI PIN is specifically used for authorizing transactions made through the Unified Payments Interface (UPI).<\/span><\/p>\r\n<h3><strong>5. What is MPIN in Canara Bank?<\/strong><\/h3>\r\n<p><span style=\"font-weight: 400;\">In Canara Bank, an MPIN (Mobile Personal Identification Number) is a 6-digit numeric passcode used to authenticate both financial and non-financial transactions on the bank&#8217;s mobile banking app. To set or change your MPIN, navigate to the profile section, select &#8220;Change MPIN,&#8221; enter your old MPIN, then input and confirm your new MPIN.<\/span><\/p>\r\n<h3><strong>6. How to Change MPIN in Yono SBI App?<\/strong><\/h3>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\">Open the SBI YONO application.<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">You will be asked for your MPIN.<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Click on the &#8216;Forgot&#8217; MPIN option.<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">You will be asked for OTP.<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Enter the OTP that you will be sent to your registered mobile number.<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Reset the MPIN.<\/span><\/li>\r\n<\/ul>\r\n<h3><b>7. How do you get a 4-digit MPIN?<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">To get a 4-digit MPIN, you typically have to link your number with your bank and then create a 4-digit MPIN using the bank&#8217;s mobile banking app or USSD service.<\/span><\/p>\r\n<h3><b>8. How do you get a 6-digit MPIN?<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">To get a 6-digit MPIN, sign up for banking with your bank. Once registered, you can set up a 6-digit MPIN through the bank&#8217;s mobile banking app or at the bank&#8217;s branch.<\/span><\/p>\r\n<h3><b>9. How do you reset your MPIN password?<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">To reset your MPIN password, open your bank&#8217;s website or use the mobile banking app. Go to Profile Settings &gt; Forgot MPIN &gt; Enter your registered mobile number &gt; Verify yourself using OTP (one-time password) &gt; Provide other necessary details &gt; Enter a new 4 or 6 digit MPIN passcode.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">It&#8217;s important to follow your bank&#8217;s instructions to change or reset your MPIN, as the methods may slightly differ depending on your bank.<\/span><\/p>\r\n<h3><b>10. How does an MPIN differ from traditional passwords?<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">An MPIN is created explicitly for mobile banking transactions. Offers a layer of security compared to traditional passwords. It is a code that is easier to remember and more challenging to guess, making it safer for financial transactions done on mobile devices.<\/span><\/p>\r\n<h3><b>11. Can you use the same MPIN for multiple accounts or devices?<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">It is not recommended to use the same MPIN for different accounts or devices. Each account should have its unique MPIN to safeguard your transactions and personal details.<\/span><\/p>\r\n<h3><b>12. How often should you change your MPIN for optimal security?<\/b><\/h3>\r\n<p><span style=\"font-weight: 400;\">It is advisable to change your MPIN for security. The frequency might vary based on your bank&#8217;s policy. Change it every 3-6 months as a practice to protect against potential security risks.<\/span><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>An mPIN is a 6 digit passcode that you must enter every time you wish to make a transaction. Without the mPIN, you cannot make UPI transactions.<\/p>\n","protected":false},"author":151156453,"featured_media":11328,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1387],"tags":[3792,3793,1886],"class_list":{"0":"post-762","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-mpin","9":"tag-mpin-number","10":"tag-upi-pin"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/762","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/users\/151156453"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=762"}],"version-history":[{"count":41,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/762\/revisions"}],"predecessor-version":[{"id":16773,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/762\/revisions\/16773"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media\/11328"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}