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ATM Card ছাড়াই UPI Pin বানান | how to create without ATM card upi pin | Aadhar upi pin set Phonepe open by aadhar card and upi id. ।আঁধার কার্ড দিয়ে ফোন পে খুলুন 2024#phonepegiftcard #bengali #upi #shorts #shortvideo #short