PhonePe enables UPI activation with Aadhaar based OTP


21 Sep 2020
Reaction score
Under the previous UPI onboarding flow, a valid debit card was mandatory to set up a user’s UPI PIN during the UPI registration process, restricting access for a large number of Indian bank account holders who didn’t have a debit card handy. This makes Aadhaar e-KYC flow a part of the UPI onboarding journey on the PhonePe App. Users choosing this option will need to enter the last 6 digits of their Aadhaar number to initiate the onboarding process. They will then receive an OTP from UIDAI, and their respective bank to complete the authentication process. Post this, customers will be able to access all UPI features such as payments and balance check on the PhonePe App.

Is this applicable for all bank accounts or only for certain banks
No idea about Phonepe but BHIM app Live banks with Aadhaar based OTP (till 15th Nov, 2022) -

Banks Enabled in Production
Central bank of India
Cosmos Cooperative Bank
IndusInd Bank
Kerala Gramin Bank
Karnataka Gramin Bank
Canara Bank
Karur Vysya Bank
Rajasthan Cooperative Bank
UCO Bank
Punjab Sind Bank
Suryoday Small Finance Bank Ltd.
AU Small Finance Bank
Tamil Nadu Merchantile
Punjab National Bank
Catholic Syrian Bank
Top Bottom
AdBlock Detected

We get it, advertisements are annoying!

Sure, ad-blocking software does a great job at blocking ads, but it also blocks useful features of our website. For the best site experience please disable your AdBlocker.

I've Disabled AdBlock