Indian Bank ATM PIN Generate – How to Set or Reset Your PIN

Indian Bank provides an easy and hassle-free way to generate or reset your ATM PIN, ensuring secure and quick access to banking services. Gone are the days when customers had to visit a bank branch. With Indian Bank’s modern digital banking services, customers can generate their ATM PIN instantly.

Ravi, a 28-year-old software engineer, had recently started his first job at an IT firm in Bangalore, earning a monthly salary of ₹45,000. Excited about financial independence, he opened a salary account with the Indian Bank, and within a few days, he received his new debit card.

By the end of the month, Ravi needed to withdraw ₹5,000 for his expenses. When he visited an ATM, he realised that the card required a PIN to complete the transaction. Since this was his first card, he had not set up a PIN yet. He needed to generate one immediately to access his salary. Let’s see further in this blog how he can generate his Indian Bank ATM PIN.

What is an Indian Bank?

Indian Bank merged with Allahabad Bank on April 1, 2020, as part of the Government of India's banking consolidation plan. After the merger, all Allahabad Bank customers were integrated into Indian Bank, and their banking services, including ATM PIN generation, are now handled by Indian Bank. Customers of the former Allahabad Bank can use Indian Bank’s digital and physical banking services seamlessly.

Methods to generate an Indian Bank ATM PIN

1. Through Internet Banking
2. At the ATM
3. Through SMS
4. Through the Mobile Banking App

How do you generate an Indian Bank ATM PIN online?

Through Internet Banking

Indian Bank provides a simple and secure way to generate or reset your ATM PIN through its Internet Banking portal. Follow these steps to generate your PIN effortlessly:

1. Log in to Internet Banking
   • Visit the official Indian Bank Net Banking portal.
   • Enter your User ID and Password to log in securely.
     
     
2. Navigate to Debit Card Services
   • After logging in, go to the "Debit Card Services" section.
     
     
3. Select Change ATM PIN
   • Click on the "Change ATM PIN" option to proceed with PIN generation.
     
     
4. Enter Card Details
   • Choose the account number linked to the debit card.
   • Enter your Card Number and Expiration Date as required.
     
     
5. Generate Green PIN
   • Select the option to "Generate Green PIN" (a one-time PIN used to set a new ATM PIN).
     
     
6. Authenticate with OTP
   • An OTP (One-Time Password) will be sent to your registered mobile number.
   • Enter the OTP in the provided field and submit.
     
     
7. Set Your New PIN
   • Once verified, you can set your new 4-digit ATM PIN.
   • Confirm the PIN and submit the request.

Your ATM PIN is now successfully generated, and you can use your debit card for ATM withdrawals, online transactions, and retail purchases.

Through the Mobile Banking App

Note:-

• IndSMART is the current mobile banking application of Indian Bank, offering enhanced features and security for a better user experience.
  
  
• IndOASIS was the older mobile banking application, which is now being phased out. If you have IndOASIS, then you should upgrade it to IndSMART for continued access to mobile banking services.

Indian Bank customers can easily generate or reset their ATM PIN through the IndSMART mobile banking app. Follow these simple steps to set your new PIN:
 

1. Open the Mobile Banking App
   • Launch the IndSMARTapp on your smartphone.

   • Log in using your User ID and Password, or MPIN.

      

2. Go to Card Services

   • In the main menu, select the "Card Services" option.

      

3. Select Your Account and Debit Card
   • Choose the account number linked to your debit card.

   • Select the debit card for which you want to set the PIN.

      

4. Choose Set Debit Card PIN

   • Tap on the "Set Debit Card PIN" option to proceed.

      

5. Enter Card Expiration Date

   • Input the expiry date (MM/YY) of your debit card as required.

      

6. Request OTP Verification

   • Select "YES" to receive an OTP on your registered mobile number.

      

7. Enter OTP and Set New PIN
   
   • Enter the OTP received via SMS and submit.
   • Set your new 4-digit ATM PIN and confirm.

Your ATM PIN is now successfully set, and you can start using your debit card for transactions immediately.

How to generate an Indian Bank ATM PIN Offline?

Through SMS:

Indian Bank allows customers to generate or reset their ATM PIN through SMS Banking, making the process quick and convenient. Follow these steps:

1. Send an SMS
   • From your registered mobile number, send an SMS in the following format:
      PIN <Last 4 digits of ATM Card> <Last 4 digits of Account Number>

   • Send this message to the designated Indian Bank SMS service number.

      

2. Receive Instructions via SMS

   • You will receive an SMS with further instructions.

      

3. Follow the Instructions
   • Enter the received OTP or follow the steps provided in the SMS.
   • Set your new 4-digit ATM PIN as instructed.

Once completed, your ATM PIN is successfully generated, and you can use your ATM Card for transactions.

At the ATM:

1. Insert Your Debit Card

• Visit the nearest Indian Bank ATM.
• Insert your debit card into the ATM slot.

2. Select "Generate/Set PIN"

• From the main menu, choose the option "Generate/Set PIN."

3. Enter Your Account Number

• Type in your account number linked to the debit card.
• Press the "Correct" button to proceed.

4. Confirm Account Details

• If the displayed account details are correct, select "Confirm."

5. Enter OTP (One-Time Password)

• An OTP will be sent to your registered mobile number.
• Enter the OTP into the ATM and press "Submit."

6. Set a New 4-Digit PIN

• Enter your desired 4-digit PIN and press "OK."
• Re-enter the same PIN for confirmation.

7. Receive Confirmation Slip

• Once the PIN is successfully set, the ATM will issue a confirmation slip.

Security Tips for Indian Bank ATM PIN Generation

Ensuring the security of your ATM PIN is essential to protect your bank account from fraud. Let's understand the importance of security with an example and a detailed table of best practices.

Example: Aman’s Costly Mistake

Aman, a young professional, recently opened a savings account with the Indian Bank and received his debit card. Eager to start using it, he generated his ATM PIN using his mobile banking app. However, he made a few mistakes:

1. He set an easy-to-guess PIN (0000) for convenience.
2. He wrote down his PIN on a sticky note and kept it in his wallet.
3. He received a call from a fraudster pretending to be a bank representative, asking for his OTP. Aman shared the OTP, thinking it was for verification.

A few hours later, Aman noticed unauthorised transactions from his account. His bank account was compromised because he didn't follow basic security precautions while generating his ATM PIN.

To avoid situations like Aman’s, follow these essential security tips:

Conclusion

Generating an Indian Bank ATM PIN is a simple and secure process that allows customers to access banking services with ease. Whether done through an ATM, Internet Banking, Mobile Banking (IndSMART App), or SMS, the process is designed for convenience and security.

However, it is equally important to follow best security practices while setting or resetting your PIN. Always keep your PIN confidential, use a strong and unique PIN, avoid sharing OTPs, and beware of fraud calls or messages.

By following the right steps and security measures, you can ensure safe and hassle-free banking with your Indian Bank debit card. Stay alert, stay secure! 

FAQ’s

1. How can I generate my Indian Bank ATM PIN for the first time?

You can generate your ATM PIN through an Indian Bank ATM, Internet Banking, Mobile Banking (IndSMART App), or SMS Banking.

2. Can I generate my ATM PIN without visiting an ATM?

Yes, you can generate your PIN using Indian Bank’s Internet Banking, Mobile Banking (IndSMART App), SMS Banking, or Customer Care services without visiting an ATM.

3. What should I do if I forget my ATM PIN?

If you forget your ATM PIN, you can reset it using Internet Banking, the Mobile Banking App, or an ATM by selecting the "Reset PIN" option and verifying through OTP.

4. Is there any charge for generating or resetting my ATM PIN?

No, Indian Bank does not charge any fee for generating or resetting your ATM PIN through official channels.

5. How can I ensure my ATM PIN remains secure?

Keep your PIN confidential, avoid using easy-to-guess numbers, change it regularly, and never share OTPs or PIN details with anyone, even if they claim to be from the bank.

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