DigiPIN, short for Digital Personal Identification Number, is a unique, secure code provided to a customer by a financial institution, typically after availing a loan, EMI card, or financial service. The DigiPIN is used to authenticate, verify, or activate a product or service, such as a TVS EMI card, consumer durable loan, or debit/credit card.
It plays a crucial role in ensuring that only the rightful customer can access or activate the financial service.
📌 When Do You Receive a DigiPIN?
You usually receive a DigiPIN in the following cases:
- When you apply for a loan, EMI card, or consumer durable finance.
- While activating a new card (TVS Credit, Bajaj Finserv, HDFC, etc.).
- When resetting a previous PIN or reactivating a locked service.
- Sometimes, it is also sent via courier in printed format for security.
Digital Personal Identification Number
📥 How is DigiPIN Delivered?
There are three main ways in which you may receive your DigiPIN:
- SMS – A secure temporary PIN is sent to your registered mobile number.
- Email – Some institutions send DigiPIN through a secure email link or PDF.
- Courier – A physical PIN sheet is sent to your registered address in case of offline or hard copy preferences.
Each PIN is usually time-sensitive and may need to be used within a specific period (usually 24–72 hours).
✅ How to Use DigiPIN – Step-by-Step:
🔹 1. Read Instructions Carefully
When you receive your DigiPIN (via SMS, email, or courier), read the accompanying instructions thoroughly. Some companies also include activation steps in the message or letter.
🔹 2. Visit the Activation Platform
Go to the specified platform, such as:
- Company website
- Mobile app (e.g., TVS Credit Saathi App)
- Or call the IVR customer support number.
🔹 3. Enter Required Details
You will be asked to input:
- Registered mobile number
- Application/loan/account number
- The received DigiPIN
🔹 4. Authenticate OTP
You might be prompted to enter an OTP sent to your mobile number to confirm identity.
🔹 5. Activation Successful
Once validated, your card or service is activated. You may now use your EMI card or loan services.
💡 Important Notes:
- A DigiPIN is typically 4 to 6 digits long.
- Use it only once or within a limited time (especially if temporary).
- Do not share your DigiPIN with anyone.
- Do not save the DigiPIN in unsecured places like public notes or phone messages.
- If you enter the wrong DigiPIN multiple times, your service may get blocked for security.
❓What If You Face Issues?
If your DigiPIN does not work:
- Ensure you’re using the correct PIN for the right service.
- Check the expiry (some DigiPINs expire after 24-48 hours).
- Contact customer support for help or to request a new DigiPIN.
📝 Conclusion:
Using a DigiPIN is a secure and essential step in activating digital financial services. Always keep it confidential, follow the official steps to activate, and reach out to support if anything goes wrong. Whether received by SMS or courier, your DigiPIN helps confirm that you are the rightful user of the financial product.
Let me know if you want a printable version or step-by-step graphic.