MPIN Full Form & Setup: How to Generate and Find Your MPIN

An mPIN, or Mobile Personal Identification Number, is a 4 or 6-digit code that verifies your identity and keeps your digital payments safe. It works like an ATM PIN for your phone, allowing you to confirm transactions without entering full bank details.

With UPI and mobile banking becoming the new norm, it’s important to keep your transactions safe. That’s where mPIN helps. So, what is mPIN? It’s a Mobile Personal Identification Number. A 4 or 6-digit code that lets you authorise payments securely. mPIN means you don’t need to enter your full bank details every time you send money.  You can easily generate it through your UPI or mobile banking app in just a few steps. 

Read on to understand what is mPIN number and why mPIN is a must-have for secure digital transactions.

MPIN Full Form & Meaning

mPIN full form is Mobile Personal Identification Number, which is a 4 or 6-digit code. It helps to verify your identity during mobile banking activities. Before making a payment or banking transaction, enter this code to make sure only you can complete it.
An mPIN makes banking easier by removing the need to remember account details or IFSC codes. It helps verify transactions quickly and keeps them safe from fraud.

What are the Key Uses of mPIN?

The mPIN is important for digital payments, protecting all types of banking and wallet transactions. Beyond banking, it also plays a role in bill payments, shopping and subscription-based payments, helping users manage everyday spends securely. 

Here’s where it’s commonly used:

• Mobile Banking: To authorise payments on apps like SBI YONO, iMobile or HDFC MobileBanking
• UPI Transactions: To approve instant transfers using UPI apps like Google Pay or PhonePe
• Online Shopping: To confirm purchases on e-commerce sites through linked bank accounts or wallets
• Bill Payments: Used for electricity, mobile, DTH and broadband payments made through banking or wallet apps
• IMPS, NEFT, RTGS Transactions: Online payment methods like IMPS, NEFT and RTGS use an mPIN to confirm customer identity
• IVR Banking: To confirm user identity when making payments through phone-based banking

Why mPIN is Critical for Security?

The mPIN keeps your account safe from unauthorised access and fraud. As per RBI guidelines, it acts as a second layer of security. It ensures your banking details and payments stay private, even if someone has your phone or account information.

How to Set a New MPIN?

Setting or resetting your mPIN is simple and can be done through multiple methods.

Method	Steps
Net Banking	Log in, go to ‘Mobile Banking’, select ‘Setup mPIN’, verify via OTP and set your new code.
UPI Apps	Open your UPI app, go to ‘Settings’, ‘Set mPIN’ and enter your chosen 4 or 6-digit PIN.
ATM Card	Insert card, select ‘Forgot mPIN’, verify with OTP and create a new mPIN.
USSD Code	Dial *99#, choose ‘Generate mPIN’, enter your card details and confirm.
Bank Branch	Visit your branch and fill in the mPIN request form.

Here’s how you can set your mPIN step by step using different methods:

1. Generate MPIN Using Net Banking

• Log in to your bank’s online banking site or app using your credentials
• Go to the mobile banking and select ‘Setup mPIN’
• Check your registered mobile number by entering the OTP
• Choose a 4 or 6-digit mPIN and confirm it
• After selecting the mPIN, you will receive a confirmation text message

2. Generate MPIN Using UPI Apps

• Open your chosen UPI app
• Sign in with your bank details
• Go to the ‘Settings’ or ‘My profile’ option
• Choose the ‘Set mPIN’ choice
• Follow the steps on the screen (Vary from bank to bank)
• Enter your new mPIN to confirm it

3. Set MPIN Using an ATM Card

• Insert your ATM card into the machine
• Enter your card PIN and select ‘Forgot mPIN’ from the menu
• Verify your identity with an OTP sent to your registered mobile number
• Type in your new mPIN and then confirm it

4. Set MPIN Using USSD Code

• Dial *99# on your cell phone
• Select the ‘Generate mPIN’ choice
• Provide the last 6 digits of your bank card with the expiration date
• Enter your preferred mPIN and confirm it

5. Generate MPIN At a Bank Branch 

• Go to your bank and fill out the form to request an mPIN 
• A bank employee will help you set it up

How to Change Your mPIN?

Changing your mPIN at intervals is important for keeping your online purchases safe. Here’s how you can do it:

• Log in to your mobile banking app or UPI app using your current mPIN
• Go to ‘Settings’ or ‘More’ and select ‘Change mPIN’
• Enter your old mPIN and set a new one
• Confirm using the OTP sent to your registered mobile number

That’s it, just a few taps and your mPIN is updated.

Importance of mPIN in UPI 

Your mPIN is what keeps everyday UPI payments safe. You would need it for all kinds of digital transactions. Right from ordering groceries online, paying utility bills to booking movie tickets or splitting dinner expenses with friends.

Each time you enter your mPIN, the app verifies your identity and confirms the payment instantly. It keeps your information private, no matter where or how you choose to pay.

Conclusion

The mPIN has made digital payments and wallet transactions both safe and easy. It adds security to everything you do online. Whether you’re shopping, paying bills or sending money, updating your mPIN regularly keeps your transactions protected.

FAQs on mPIN Number

How frequently should I change my mPIN?

Changing your mPIN every 3 to 6 months is a good idea for better protection.

I forgot my mPIN. Can I restore my old mPIN?

No, you cannot recover an old mPIN. You can reset it using the ways listed above.

Can I get an OTP for mPIN generation on any mobile number?

No, the OTP for mPIN creation is only sent to the mobile number linked to your bank account.