How to Change Your Registered Mobile Number in Your Bank Account

Last updated: 7 November 2026

Of all the "simple" account changes, this is the one banks are most careful about, and deliberately so. Your registered mobile number is where every OTP goes, so it's effectively the key to your net banking, UPI and card transactions. Because of that, most banks won't let you change it purely online. Here's what you can actually do yourself, and what the branch process looks like when you can't.

Why you usually can't just do this from the app

Every other change to your account, from resetting a password to raising a dispute to linking Aadhaar, is verified by sending an OTP to your existing registered number. Changing that number is the one request where that verification method doesn't work, since the whole point is that you no longer have, or no longer trust, the number on file. Banks treat it as an identity-verification event rather than a settings change, which is why it leans on in-person or document-based proof.

If you still have your old number

Some banks do allow this part online, since you can still receive the OTP needed to authorise the change:

1. Log in to net banking or your bank's app.
2. Look for "Update Mobile Number," "Change Contact Details" or a similar option under Profile or Service Requests.
3. Enter your new number and verify with the OTP sent to your old, still-active number.
4. Some banks additionally require a confirmation OTP on the new number, as a second check.

Not every bank offers this. Several still require a branch visit even when the old number works, purely as a precaution, so check your specific bank's app before assuming it's available.

If you've lost access to your old number

This is the branch-only path, and it's the same across almost every Indian bank:

1. Get the right form. Ask for the "Mobile Number Change" or "KYC Update" form at your branch; some banks call it a contact-details update request.
2. Bring valid photo ID, such as Aadhaar, PAN or a passport, plus your passbook or a recent statement.
3. Fill in the new number and sign in the manner your signature is recorded with the bank, the same signature style as on file.
4. Hand it in and ask for an acknowledgement, a receipt or reference number for the request.
5. Wait for confirmation. This can take anywhere from same-day to about five working days depending on the bank, after which you'll typically get an SMS or email on the new number confirming the change.

Some banks let you submit this form at any branch; others insist on your home branch. Call ahead if you can, to avoid a second trip.

What to do immediately after the number changes

• Re-register for UPI on the new number if your UPI ID was tied to the old one. Most UPI apps require this.
• Check net banking and the mobile app still log in correctly, since some banks also use the registered number for app-level device binding.
• Update linked services, including mutual funds, insurance, demat accounts and anything else that uses this number for OTPs.

If you have a joint account

Joint accounts usually have one number registered as primary, even when both holders have their own net banking logins, and changing it typically needs the request to come from, or be co-signed by, whichever holder the bank has on record for that purpose. If you're not sure who that is on your account, ask your branch before filling in the form, since submitting it from the wrong holder's side can delay the request rather than speed it up.

A quick safety note

Because this request is so sensitive, treat any unsolicited call or message asking you to "update your mobile number to avoid account suspension" with suspicion. This is a common phishing script. A genuine mobile-number change is something you initiate, in person or through your own bank app, never something a caller talks you into over the phone. See our guide on protecting your net banking from phishing and fraud for more patterns like this.

Common questions

Can I change my mobile number at any branch, or only my home branch?

It varies by bank. Some accept the request at any branch nationwide; others want you at the branch where the account was opened. Ask when you call ahead.

How long does the change take to reflect?

Typically a few working days for a branch request, sometimes same-day. Online changes using OTP on your old number are usually instant.

Will this affect my IFSC code or branch details?

No, your mobile number has nothing to do with your branch's IFSC code. If you're also dealing with a branch code that's stopped working, that's usually a separate issue; see our guide on why an old IFSC code might stop working after a bank merger.

What if I have two mobile numbers and want to know which one is registered?

Check your last SMS alert from the bank, or ask customer care to confirm the number on file. They can tell you the last few digits without revealing the whole number, as a security measure.

Try the tools

Find IFSC Code Verify IFSC Code

More guides

• Sent Money to a Wrong IFSC Code? What to Do
• Bank Merged? Why Your Old IFSC Code Stopped Working
• How to Reactivate a Blocked Net Banking Account (SBI, HDFC, ICICI)
• NEFT/RTGS/IMPS Failed But Money Was Debited: What to Do
• ATM Did Not Dispense Cash But Debited Your Account: What to Do

This guide is general information, not financial or legal advice. Limits, timings and charges are set by the Reserve Bank of India, NPCI and individual banks, and can change, so confirm current details with your bank.