What is TPIN on Groww?
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TPIN stands for Transaction Personal Identification Number (sometimes simply “Transaction PIN”). (Groww)
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In the context of Groww (and demat/trading accounts), TPIN acts like a digital “locker‑key” to authorize selling of shares. Without correct TPIN + OTP, you cannot sell your holdings. (Groww)
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The demat account in Groww is maintained by CDSL (Central Depository Services Limited), which provides TPIN to the investor via email or SMS — not Groww directly. (Groww)
Think of TPIN like your ATM PIN or net‑banking transaction PIN — it's a security step that ensures only you (the authorised owner) can approve sale or transfer of your shares.
Why TPIN was introduced — Purpose & Security
✅ Prevent unauthorized selling
As per CDSL rules (since Feb 18, 2021), before you sell any shares, you must verify holdings using TPIN + OTP. This is done to ensure that even if someone logs into your account, they can not sell your shares without this extra verification. (Groww)
✅ Transparency and investor protection
Earlier, brokers used to ask for a POA (Power of Attorney) — which gave the broker broad rights to debit your demat account and manage selling on your behalf. That was less transparent. (Groww)
With TPIN + OTP (also called e‑DIS verification), every single sell order goes through a fresh confirmation from you — you explicitly authorize it each time. (Groww)
✅ Temporary validity — minimize risk
Once you verify holdings with TPIN + OTP, that verification stays valid only till market closing (or next trading day's closing, depending on when you did verification). (Groww)
This ensures that even if someone gains access to your account later, they won’t be able to sell your shares unless they repeat the TPIN step themselves.
How to Generate TPIN on Groww — Step by Step
Here’s how you (as a Groww user) can generate or reset your TPIN: (Value Broking)
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Open the Groww app, and go to your Profile section. (Value Broking)
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Look for the option “TPIN” (or “Set/Change TPIN”). (Value Broking)
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If you don’t have a TPIN yet, choose “Set TPIN”. If you forgot your TPIN, choose “Forget TPIN – Set Custom TPIN”. (Groww)
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You will need to enter your BO‑ID (16‑digit Beneficiary Owner ID) and PAN number to proceed. (Groww)
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CDSL will then send you a TPIN (via email or SMS) along with an OTP. Enter the TPIN, then OTP, and click “Verify”. (Groww)
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Once verified, your TPIN is ready — you can use it for future sell orders. (Value Broking)
If you lose or forget your TPIN, you can always regenerate a new one via “Request New TPIN”. (Groww)
How TPIN + OTP Works During Selling on Groww
Here’s what happens internally when you sell shares using Groww + demat (CDSL):
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You place a sell order for some shares. If your holdings haven’t been verified yet for the day, Groww prompts: “Verify with TPIN & OTP”. (Groww)
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You enter your TPIN (the 6‑digit/4‑digit code depending on your settings) and the OTP you receive on mobile/email. (Groww)
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Once correct, you get a confirmation that “holdings verified”. Now you can proceed to click “Sell” — and order will be placed. (Groww)
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Important: TPIN verification does not sell all your holdings automatically — it only authorizes sale. You still need to place the sell order manually for whichever shares you want to sell. (Groww)
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Also, TPIN verification remains valid only for that trading day (market closing). If you want to sell on another day, you’ll need to re-verify. (Groww)
In short: TPIN + OTP is basically like a two-layer security lock before your shares can be sold.
Common Confusions & Mistakes — What to Keep in Mind
| Confusion / Mistake | Reality / Tip |
|---|---|
| “TPIN = Groww PIN or fingerprint” | No — earlier Groww used its own “Groww‑PIN / fingerprint” for e‑DIS; now TPIN from CDSL is mandatory. (Groww) |
| “Once I set TPIN, I don’t need OTP next time” | No — every sell requires both TPIN and a fresh OTP. (Groww) |
| “TPIN stays forever” | Not true — TPIN itself may be permanent, but the authorization (selling permission) is valid only 1 day. (Groww) |
| “Groww sends TPIN” | Incorrect — TPIN is generated by CDSL and delivered via email/SMS. Groww only facilitates the interface. (Groww) |
Also — as one older article warns — never share your TPIN or OTP with anyone, and beware of agents/brokers calling you asking for such details under the pretext of helping — legitimate parties will never ask for your TPIN. (Groww)
Why TPIN Makes Groww (and Demat) Safer
Before TPIN-based e‑DIS verification, many investors had to give a broad POA to brokers, which meant the broker could sell shares on behalf of the investor — sometimes even without explicit consent for each trade. This carried risk. (Groww)
With TPIN + OTP for each sell:
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No sale can happen without your active permission.
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The depository (CDSL) has a record of every transaction being authorized by the rightful owner’s TPIN.
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Even if someone hacks into your Groww account, they cannot sell your shares without access to your registered email/SMS.
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Verification expires daily — reduces the window of risk.
So overall: TPIN adds a strong layer of safety and transparency — protecting small and big investors alike.
Quick Summary — In Simple Words
TPIN (Transaction Personal Identification Number) in Groww is just like a safety “locker‑key” for your demat shares. You get it from CDSL, not Groww. When you want to sell shares, you must enter TPIN + OTP to prove you are the real owner. This makes selling stocks more secure and prevents unauthorized trades.
If you have never used TPIN before: open Groww → Profile → TPIN → Set or Reset → verify via OTP. After that, you can sell shares — but every time you sell on a different day, you’ll need to re‑verify.
Final Thoughts — Should You Use TPIN & What to Watch Out For
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Yes — you should always use TPIN. It adds security and ensures only you can access your demat holdings.
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Keep your email and mobile number updated in Groww, so you always receive TPIN/OTP.
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Never share TPIN or OTP with anyone — not even if someone calls you saying they are from Groww or CDSL.
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If you regenerate TPIN often (say you forget it), it may delay your sell orders — so try to remember it or store it securely.
TPIN might feel like an extra step, but that extra step gives you control, safety and peace of mind — especially important when dealing with money and stocks.