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Saraswat Bank UPI PIN - Create & Reset

Saraswat Bank UPI (Unified Payments Interface) facility is designed to help Saraswat Bank customers easily and safely perform financial transactions on their mobile. Hence after registering for Saraswat Bank UPI you don’t have to visit the branch or ATM to perform banking transactions and can instead use your mobile and perform all types of financial transactions.


To keep your Saraswat Bank account safe and secure while performing financial transactions on your mobile, you have to create a secure banking PIN for your Saraswat Bank account. This PIN is called as the Saraswat Bank UPI PIN and it helps you easily and safely perform financial transactions from your bank account.


Saraswat Bank UPI PIN can be created online using our mobile app and you don’t have to visit the branch or ATM for generating your Saraswat UPI PIN. After downloading our app, you can instantly create your UPI PIN and then immediately start performing banking transactions.


Saraswat Bank UPI PIN allows you to perform below mentioned financial transactions on your mobile:
  1. Check account balance
  2. Instant fund transfer to anyone in India in real-time. Transfer upto Rs. 1,00,000 per day
  3. Mobile recharge & mobile post-paid bill payment
  4. DTH recharge
  5. Electricity bill payment
  6. Gas bill payment
  7. Credit card bill payment
  8. Mediclaim (Health Insurance) premium payment
  9. Buy insurance
  10. Donate money
  11. Book fixed deposit

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How to create and reset your Saraswat Bank UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your Saraswat Bank account
  3. Select Saraswat Bank for BHIM registration
  4. All your accounts will be registered and activated for Saraswat Bank BHIM services
  5. Select Generate UPI PIN option
  6. Enter your debit card last 6 digits and expiry date
  7. You will get OTP from Saraswat Bank for creating your UPI PIN
  8. Enter UPI PIN you want to set
  9. Confirm UPI PIN again
  10. Your UPI PIN will be registered with Saraswat Bank and you can now use it to perform financial transactions on your mobile

After this step your Saraswat UPI registration process is over. You can then immediately start performing all your banking transactions on mobile such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

Features of UPI PIN


Create Saraswat Bank UPI PIN online

Without visiting the branch or ATM, you can create your own UPI PIN using our mobile app. This feature enables you to create your own PIN on your own mobile, making it completely flexible and secure.

Separate UPI PIN for each Saraswat Bank account

For customers who have multiple accounts with Saraswat, they have to create separate UPI PIN for each account. As each account will have a separate PIN, you can be 100% assured about the safety of your account and can easily perform financial transactions using your Saraswat Bank BHIM PIN.

Mandatory for any financial transaction

Most important safety feature of Saraswat UPI is the use of UPI PIN during each transaction. This ensures that you have to use your secret banking PIN during each transaction and your transactions will go through only if you enter correct UPI PIN for every transaction. This ensures that your Saraswat Bank account remains 100% safe and secure and no unauthorized personnel can transact on your behalf.

Easily recreate UPI PIN if you forget your old PIN

Sometimes you may forget your Saraswat UPI PIN and may want to generate a new Saraswat Bank BHIM PIN. For such cases, you can easily create a new UPI PIN using our app. You don’t have to visit the branch or ATM and can instead create a new UPI PIN directly on your mobile.

Easily change UPI PIN

Due to some reason if you want to change your Saraswat Bank BHIM PIN then you can use our mobile app for instantly changing your Saraswat UPI PIN. Your new PIN will be immediately registered in your Saraswat Bank account and you can use it for performing financial transactions.

UPI PIN Benefits

One can enjoy multiple benefits from Saraswat Bank UPI PIN service:

Time saving: As Saraswat Bank UPI PIN can be generated on your mobile using our app, you can save a lot of time which otherwise would have gone in visiting the branch or ATM to generate a banking PIN. After creating your own Saraswat Bank BHIM PIN you can immediately start performing transactions using UPI.

Security: All UPI transactions are 100% secure due to linking of your account on your mobile number and your Saraswat Bank UPI PIN. Transactions are processed as success only if you enter your correct UPI PIN. If you enter incorrect Saraswat Bank BHIM PIN then your transactions will fail.

Multi Purpose: Saraswat UPI allows you to perform multiple transactions such as balance check, fund transfer, recharge, bill payment, etc. so that in one single place you can manage your Saraswat Bank account.

Security of UPI PIN

Saraswat Bank UPI PIN service is fully secured in following ways:

  1. UPI registration for your Saraswat Bank accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. To use Saraswat BHIM services, you have to create a new UPI PIN using your debit card
  3. To perform financial transaction you have to use your Saraswat Bank UPI PIN. Without this PIN, no transaction will go through
  4. You can also set up app password so that no one can even open the app without knowing your app password
  5. You can also create a PIN or pattern lock for your phone so that no one can open your mobile

UPI PIN Creation Services Timing

  • You can use Saraswat Bank UPI services on all days, including Saturday and Sunday
  • Saraswat Bank BHIM can be used at night as well
  • As banking is very crucial, you can use Saraswat Bank UPI facility even on bank holidays and public holidays
  • You can use Saraswat Bank BHIM services throughout the year

Eligibility for using UPI PIN Creation Service

In order to use Saraswat Bank UPI PIN generation service you must meet the following requirements:

  • A savings or current account with Saraswat Bank
  • Mobile number should be registered with Saraswat Bank
  • ATM/Debit Card associated with your Saraswat account
  • Android or iPhone mobile phone
  • Internet connection either via SIM card or WiFi

Create UPI PIN Service limitations

Please keep in mind the following limitations of Saraswat Bank UPI PIN creation service:

  • It will not work if your mobile number is not registered in Saraswat Bank
  • You cannot use it if you don’t have a Saraswat Bank atm/debit card
  • Without Android or iPhone mobile phone, it will not work
  • Without internet connection, it will not work
  • One can only transfer upto Rs. 1,00,000 per day per Saraswat account under UPI facility

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