As digital payments grow across India, one term you may frequently hear is MPIN.
It plays a major role in mobile banking security and UPI-based transactions — but many users are still unsure what it means or how it works.
Here’s a simple, complete explanation.
What Is the Full Form of MPIN?
MPIN = Mobile Personal Identification Number
It is a 4–6 digit secret security code used to verify your identity while performing mobile banking transactions.
Think of it as the mobile version of your ATM PIN, but specifically designed for mobile-based financial services.
What Is MPIN? (Meaning)
The MPIN is a personal authentication code that ensures only you can access your mobile banking app or perform transactions via your phone.
You enter it every time you:
Log in to mobile banking
Approve fund transfers
Access UPI via USSD (*99#)
Use certain mobile wallet features
Authenticate bank-related mobile services
It acts as a second layer of security.
Where Is MPIN Used?
MPIN is commonly used in:
✔ Mobile Banking Apps
During login or payments.
✔ USSD UPI Banking (*99#)
For feature phone–based transactions.
✔ Mobile Wallets
Some banking wallets ask for MPIN to confirm payments.
✔ Mobile Money Services
To verify identity before a transaction.
MPIN is different from your ATM PIN and UPI PIN, though all three serve similar security purposes.
MPIN vs UPI PIN — What’s the Difference?
| Feature | MPIN | UPI PIN |
|---|---|---|
| Purpose | Mobile banking authentication | Authorise UPI payments |
| Used In | Mobile banking, USSD | UPI apps (GPay, PhonePe, Paytm) |
| Assigned By | Bank | User sets manually |
| Digits | 4–6 digits | 4–6 digits |
Many users confuse them, but they function in different systems.
Why MPIN Is Important
✔ Prevents unauthorised access
Only the person who knows the MPIN can perform transactions.
✔ Secure mobile banking
Works as a strong authentication step.
✔ Easy to use
Short, simple number you can remember.
✔ Required for feature-phone banking
Essential for UPI via *99# where smartphones aren’t used.
Because of this, MPIN forms the backbone of mobile banking security in India.
How to Generate or Reset MPIN
You can generate/change MPIN through:
Your bank’s mobile app
Internet banking
ATM (some banks offer this)
USSD banking
Always generate it privately and never share it with anyone.
Safety Tips for MPIN
Never share your MPIN with anyone
Avoid using personal dates as PIN
Do not save it in your phone
Change it periodically
Keep your bank-registered number updated
FAQs
1. What is the meaning of MPIN?
It stands for Mobile Personal Identification Number — your mobile banking security PIN.
2. Is MPIN the same as UPI PIN?
No. MPIN is for mobile banking; UPI PIN is for UPI payments.
3. How many digits is an MPIN?
Usually 4–6 digits, depending on your bank.
4. What if I forget my MPIN?
You can easily reset it through mobile banking or internet banking.
5. Is MPIN mandatory for UPI?
Only for USSD UPI (*99#), not for app-based UPI transactions.
Published on : 19th November
Published by : SMITA
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