Open the PhonePe app
Tap your profile icon or the bank account section
Select the bank account linked to BHIM UPI
Tap Change UPI PIN or Reset UPI PIN
Enter the last 6 digits of your debit card
Enter the card expiry date if asked
Enter the OTP sent by your bank
Set your new BHIM UPI PIN
Confirm the new UPI PIN
Save the PIN and use it for UPI payments