Your parents, family members can use your UPI for payments via UPI circle: Know how to use it on BHIM app
BHIM Services Limited (NBSL), subsidiary of the National Payments Corporation of India (NPCI), announced the launch of
UPI Circle
. This feature allows users to safely delegate UPI access to trusted individuals—such as parents, children, or other family members—without compromising security.
Income Tax Guide
Income Tax Slabs FY 2025-26
Income Tax Calculator 2025
New Income Tax Bill 2025
UPI ID linked to inactive mobile number? Starting April 1, it will be hard to misuse your UPI ID with recycled number
What is UPI Circle?
UPI Circle enables a primary user, or the UPI account holder, to authorize up to five secondary users to initiate
UPI payments
from their account. Each transaction initiated by the secondary user in the new
BHIM app
requires specific confirmation from the primary user via their UPI PIN. The new BHIM app allows the principal user to see all secondary user transactions in real time, ensuring openness and oversight.
Play Video
Pause
Skip Backward
Skip Forward
Unmute
Current Time
0:00
/
Duration
0:00
Loaded
:
0%
0:00
Stream Type
LIVE
Seek to live, currently behind live
LIVE
Remaining Time
-
0:00
1x
Playback Rate
Chapters
Chapters
Descriptions
descriptions off
, selected
Captions
captions settings
, opens captions settings dialog
captions off
, selected
Audio Track
Picture-in-Picture
Fullscreen
This is a modal window.
Beginning of dialog window. Escape will cancel and close the window.
Text
Color
White
Black
Red
Green
Blue
Yellow
Magenta
Cyan
Opacity
Opaque
Semi-Transparent
Text Background
Color
Black
White
Red
Green
Blue
Yellow
Magenta
Cyan
Opacity
Opaque
Semi-Transparent
Transparent
Caption Area Background
Color
Black
White
Red
Green
Blue
Yellow
Magenta
Cyan
Opacity
Transparent
Semi-Transparent
Opaque
Font Size
50%
75%
100%
125%
150%
175%
200%
300%
400%
Text Edge Style
None
Raised
Depressed
Uniform
Drop shadow
Font Family
Proportional Sans-Serif
Monospace Sans-Serif
Proportional Serif
Monospace Serif
Casual
Script
Small Caps
Reset
restore all settings to the default values
Done
Close Modal Dialog
End of dialog window.
by Taboola
by Taboola
Sponsored Links
Sponsored Links
Promoted Links
Promoted Links
You May Like
Google Brain Co-Founder Andrew Ng, Recommends: Read These 5 Books And Turn Your Life Around
Blinkist: Andrew Ng's Reading List
Undo
UPI Circle promotes financial inclusion by allowing people without a UPI-linked bank account to request payments from a trusted user, who can approve the transaction in real-time within the new BHIM app.
How to use UPI Circle on BHIM
Step 1: Download the New BHIM app (Version 4.0.2) from Play Store or App Store
Step 2: Open the BHIM app and go to the UPI Circle section from the home screen or menu
Live Events
Step 3: Tap on 'Add Secondary User' and enter their UPI ID or scan their QR cod
Step 4: Select the delegation type as 'Approve every payment' (Partial Delegation)'
Step 5: The secondary user will receive a request. Once they accept the invite, they can start making payments using the primary user's account and request their primary to approve payments in real-time through the BHIM app.
How does UPI Circle benefits senior citizens?
Senior citizens can be authorised by a family member who will approve every payment on their behalf. They are often hesitant users of digital payments and this will help them get onboarded with a trusted level of security.
How does UPI Circle benefit young adults?
Parents can allow children to manage their daily or educational expenses through controlled, delegated access, and real-time approval without compromising security.
Important FAQs from NPCI on UPI circle
What is UPI Circle?
UPI Circle is a new feature that allows a primary user to authorize a secondary user to make UPI transactions from the primary user's bank account.
Who can use UPI Circle?
Any UPI user who wants to securely delegate payment access can use UPI Circle to authorize trusted individuals with limited control.
What are the main benefits of UPI Circle?
The main benefits include broadening UPI usage across different demographics, providing
financial access
to those without bank accounts, and offering supervised spending for those who need it.
Can I set a limit on how much the secondary user can spend?
Yes, under Full Delegation, the primary user can set a maximum monthly spending limit for the secondary user. Maximum limit of Rs 15000 is allowed.
Do secondary users need their own bank accounts to use this feature?
No, even users without bank accounts linked on UPI can use UPI Circle feature to make payments.
Are there any transaction limits for UPI Circle?
Yes, under Full Delegation, per transaction limit is Rs 5000 and under partial delegation, daily UPI limits of the primary user shall be available for the secondary user.
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Time of India
15 minutes ago
- Time of India
Biggest Apple leak yet? Code leak hints at massive lineup of devices in 7 categories
Apple 2025 product leak : In what could be Apple's biggest internal leak in years, a set of unannounced products has been uncovered through internal identifiers embedded in publicly available Apple software, according to a report. The leak hints at a sweeping refresh across nearly every major product category, ranging from iPads and Apple Watch to a new Vision Pro, updated Apple TV, and even a second-gen Studio Display, as per a Fortune report. The leaked information comes from identifiers and documentation located in Apple's own software code, according to the report. The tech giant's software regularly includes device strings, codenames, and chip references that surface before the hardware comes out, often confirming families and classes, if not final specs and the identifiers coherently map Apple's late‑2025 to 2026 pipeline, as reported by Fortune. ALSO READ: Elon Musk's AI chatbot Grok picks Obama over Trump, and the 2 reasons will spark outrage by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Undo While nothing is official until Apple announces it, but these code leaks offer rare insight into what's likely coming next, according to the report New HomePod mini (Codename: B525) Expected to feature Apple's T8310 architecture (used in current Apple Watches), Wi‑Fi 6E support, and possibly new colors, according to Fortune. Big leap from the current S5 chip, now with Neural Engine support for smarter audio and local processing, as per the report. Pricing likely to remain close to the current $99 entry point, according to Fortune. New Apple TV Powered by the A17 Pro chip from iPhone 15 Pro, an upgrade from A15, unlocking console-quality gaming and Apple Intelligence features, as per the Fortune report. In-house Wi‑Fi/Bluetooth chip also being tested, according to the report. Price expected to stay within the $129–$149 range, as per Fortune. Apple Studio Display 2 Referenced under codenames J427 and J527, with mini‑LED backlighting being tested, as per the report. Launch could align with M5 Macs in early 2026, according to Fortune. May support higher brightness, contrast, and HDR performance, it is not known if features like ProMotion will appear, as per the Fortune report. Live Events ALSO READ: Economist predicts horrendous crypto crash, but says traders can still cash in big first New iPad mini Leaked models J510 and J511 are tied to the upcoming A19 Pro chip, which is expected in iPhone 17 Pro, as per the Fortune report. OLED version still in development, possibly post-2026, according to the report. A19 Pro will boost GPU performance, but pricing likely to remain consistent, as per the Fortune report. ALSO READ: 10 must-change iOS 18.6 settings that'll make your iPhone feel like day one again Next Entry-Level iPad Codenames J581 and J582; powered by A18 chip with 16-core Neural Engine, as reported by Fortune. Positioned to bring Apple Intelligence features to budget users, according to the report. No design overhaul expected, but performance will take a step forward from the current A16 model, as per the report. If the only major change is moving to an A18 chip, then price for the current entry model, which starts at $349 ill likely stay the same, as reported by Fortune. ALSO READ: As the July jobs report paints a grim picture, 114 companies plan layoffs in August - is yours on the list? Vision Pro 2 Confirmed to be running on Apple's future M5 chip, moving beyond the M2 in current models, as per the report. Comfort-focused updates like a redesigned strap expected, according to Fortune. Likely to retain the original's $3,499 starting price when released in late 2025, as per the report. New Apple Watch Lineup: Series 11, Ultra 3, SE 3 All three will use the S11 chip, based on the T8310 platform from the S9/S10, reported Fortune. No major performance overhaul, but modest gains in efficiency and storage (64GB), according to the report. Pricing expected to remain: $399 for Series 11, $799 for Ultra, and $249 for SE, as per Fortune. FAQs Is this leak confirmed by Apple? No, Apple has not confirmed any of the leaked products, these were discovered via internal identifiers in software code. When will these new Apple products launch? Most are expected between late 2025 and early 2026, with some (like the Apple TV refresh ) possibly arriving by the end of 2025, as per the Fortune report.
Time of India
15 minutes ago
- Time of India
XRP on the rise — technical prediction signals bullish breakout imminent as analysts target $3.80 surge
XRP has been steadily climbing for the past two weeks, quietly gaining ground while most traders focused on Bitcoin's volatility. As of August 15, 2025, it's holding near $3.11 — a level sparking renewed optimism among bulls. Analysts now see a potential push to $3.80, a price not seen since the euphoric highs of early 2022. This isn't just chart pattern hopium. There are converging signals — from MACD shifts to liquidity flows — that are giving seasoned market watchers reason to lean bullish. And the implications extend beyond a short-term pop. XRP technical backdrop: On August 13, The Tradable reported a bullish pennant formation emerging on XRP's daily chart, paired with a MACD bullish crossover — a classic momentum trigger that, in past XRP cycles, has preceded rallies of 25–40% within weeks. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Play War Thunder now for free War Thunder Play Now Undo Volume data reinforces the signal. Trading activity spiked to ~387,000 XRP on major spot exchanges on August 12, the highest daily turnover since July 24, according to CoinGlass. That's important — breakouts without volume tend to fade; this one has the backing of actual capital rotation. ALSO READ: US stock futures today: Dow futures surge on UnitedHealth boost, S&P ticks higher; Nasdaq slides after Applied Materials chip warning Live Events The RSI reading at ~54 tells another story: the market isn't overheated yet. Compare this to early July, when an RSI above 70 preceded a 9% pullback from $3.26. Short-term support levels are firming around: EMA-20 near $3.14 (holding since August 8) EMA-50 near $2.93 (last breached in late June before the 15% rebound from $2.60) If $3.14 holds through the next Fed commentary cycle, $3.80 becomes technically plausible in Q3. XRP is no longer trading in Bitcoin's shadow One underappreciated driver here is XRP's decoupling from Bitcoin's intraday swings. In July 2024, XRP's 30-day rolling correlation with BTC sat at 0.81 — essentially lockstep. By August 2025, that figure has dropped to 0.58 (Kaiko Analytics), signaling that XRP is increasingly moving on its own catalysts. Why? Partly because institutional flows are changing. According to CoinShares' Digital Asset Fund Flows report (Aug 12) , XRP-focused investment products saw $9.1 million in inflows last week — the highest since March — while Bitcoin funds recorded mild outflows. Legal clarity and payment adoption are quietly reshaping the risk profile Ever since Ripple's July 2023 partial court victory against the SEC, the token's regulatory overhang has eased. That matters in 2025 because large payment corridors — especially in Southeast Asia and the Middle East — are experimenting with XRP-based cross-border settlements. Ripple's Q2 2025 report revealed that ODL (On-Demand Liquidity) transactions are now live in 27 new banking relationships , including two mid-tier UAE institutions that were previously skeptical of crypto rails. This adoption isn't priced into short-term technical models, but it's the kind of structural shift that can sustain higher price floors. Short-Term Data Trends (Daily to Weekly) Price Movement : XRP slipped from mid-July's high (~$3.66) down to test critical support near $3.08–$3.10 . Volatility & Liquidations : A rush of sell-offs triggered over $1 billion in liquidations , costing XRP about 7% intraday, though late-session buying hinted at stabilization. Technical Levels : Support stands firm near $3.08–$3.10 . Resistance remains stout in the $3.33–$3.50 zone . Chart patterns: A symmetrical triangle, trading between ~$3.20 and ~$3.30–$3.34, hints at a breakout point ahead. Long-Term Historical Context 52-Week Range : XRP's six-month low hovered around $1.64 , with a high near $3.66 in July 2025. Multi-Year Returns : Year-to-date (2025) gain: approximately +450%. All-time high : $3.84 (early 2018) Lowest ever price : around $0.0028 in July 2014 Risks that could derail the $3.80 move The bullish case isn't bulletproof. A few red flags worth tracking: Macro shocks — If the Fed surprises with a hawkish turn in September, risk assets, including XRP, could face temporary drawdowns. Liquidity traps — Whales have been unusually active near $3.30, with on-chain data from Santiment showing two addresses moving over 28 million XRP to exchanges in the last week. Regulatory surprises — The SEC's ongoing appeal process still hangs in the background, even if momentum seems against them. Beyond $3.80 — is $5 realistic in 2025? Some analysts, like Bitget's June forecast, argue for $5 before year-end , citing the possibility of an ETF-like XRP investment vehicle in Asia. While plausible, the path to $5 would likely require: A confirmed breakout above $3.80 with volume exceeding 500K daily XRP. Sustained inflows into altcoin-focused funds. No major regulatory curveballs in Q4. Historically, XRP has needed macro tailwinds plus a fundamental catalyst to break multi-year resistance. The last such run was in late 2020–early 2021, when settlement hype combined with a crypto-wide bull phase to send XRP up 480% in five months. Right now, $3.80 isn't just a number on a chart — it's the market's line in the sand between a consolidation phase and the start of a more aggressive rally. The indicators are aligned, institutional money is trickling in, and macro conditions are relatively supportive. But crypto history is littered with 'perfect setups' that fizzled when one unexpected variable changed. Traders chasing the $3.80 move should have exit plans, and investors should see it as one chapter in XRP's longer-term story — a story increasingly shaped by real-world payment adoption, not just speculative cycles. FAQs: Q1. What is the current XRP price prediction for short term? Around $3.33–$3.50 if support holds near $3.10. Q2. Can XRP reach the $3.80 target soon? Yes, if volume spikes and resistance breaks. Q3. What is XRP's short-term price prediction? Analysts currently expect XRP to test the $3.33–$3.50 resistance zone if the crucial $3.10 support level holds. A breakout above $3.50 could accelerate the move toward $3.80. Q4. Can XRP realistically hit the $3.80 target? Yes. Technical patterns like the bullish pennant and MACD crossover, paired with rising trading volume (~387K XRP on Aug 12), support a $3.80 breakout scenario in Q3 2025 if momentum stays intact. Q5. What factors are driving XRP's current uptrend? Technical signals: Bullish pennant, MACD crossover, and RSI at ~54 (not overbought). Institutional inflows: $9.1M into XRP-focused products last week (CoinShares). Decoupling from Bitcoin: Correlation with BTC has dropped from 0.81 (July 2024) to 0.58 (Aug 2025). Payment adoption: Ripple's ODL live with 27 new banks, especially in Southeast Asia and the Middle East. Q6. What are the key support and resistance levels to watch? Support: $3.08–$3.10 (crucial), EMA-20 at $3.14, EMA-50 at $2.93. Resistance: $3.33–$3.50 (immediate), then $3.80 (major breakout point). Q7. What risks could derail the bullish setup? Macro shifts: Fed's September stance turning unexpectedly hawkish. Whale activity: Large sell orders near $3.30 — over 28M XRP moved to exchanges in the past week. Regulatory twists: SEC appeal process still pending, though momentum seems against them. Q8. Could XRP reach $5 in 2025? It's possible but requires a clean break above $3.80 with daily volumes exceeding 500K XRP, sustained institutional inflows, and no major regulatory setbacks. Macro tailwinds and real-world adoption would need to align, similar to the 480% rally in late 2020–early 2021.
Time of India
36 minutes ago
- Time of India
Jackie Bezos, Jeff Bezos's mother, dies: All you need to know about Amazon founder's big family
Jackie Bezos , the mother of Jeff Bezos , passed away on Thursday (August 14, 2025) in Miami, aged 78. She was one of the first investors in Amazon . Bezos shared the news of her mother's demise on social media, stating that she died due to Lewy body dementia, a neurological disorder. Bezos was diagnosed with Lewy body dementia in 2020, the Bezos Family Foundation said in a statement. She is survived by her husband, her three children, 11 grandchildren, and one great-grandchild, the family foundation said. Jeff Bezos: Amazon founder's family background by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like With temperatures hitting 95°F, this is the mini air conditioner everyone's buying in the U.S News of the Discovery Undo Jeff Bezos was born on January 12, 1964, in Albuquerque, New Mexico, to Jackie Bezos and Ted Jorgensen. Later, Miguel Bezos , his adoptive father, became part of his family. He has two siblings: a brother, Mark Bezos, and a sister, Christina Bezos. Jeff Bezos's family members Jackie Bezos: Born on December 29, 1946, Jackie Bezos was raised in Albuquerque, New Mexico, where she had her first child, Jeff, at 17. She died peacefully in her Miami home on August 14, 2025, at the age of 78. Live Events While attending night school and working in a bank, she met her second husband, Miguel Bezos, to whom she was married for nearly 60 years until her death, and who adopted Jeff. They had two other children, Christina and Mark. In 1995, Jackie Bezos and her husband invested just over $245,000 in Amazon, the online bookstore that her son founded in 1994. It grew to become one of the world's most valuable companies, valued today at almost $2.5 trillion. "Her adulthood started a little bit early when she became my mom at the tender age of 17. That couldn't have been easy, but she made it all work," Jeff Bezos said. Ted Jorgensen: Ted Jorgensen was the biological father of Jeff Bezos. The Amazon founder was born to teenage parents, Jackie Bezos and Ted Jorgensen, who split when Jeff was still an infant. Jeff lost all contact with his biological father. Jackie's second husband, Miguel Bezos, adopted him at age four. Miguel Bezos: Miguel Bezos was Jackie's second husband and Jeff Bezos's stepfather, whom she married on April 5, 1968, when Jeff was four years old. Miguel, a Cuban immigrant who moved to the United States in 1962 at age 16. According to media reports, Jackie and Miguel first met when they were both working at the Bank of New Mexico. Miguel had started a job as a clerk on the overnight shift to earn extra money while he studied at the University of Albuquerque, and Jacklyn began working in their bookkeeping department following her divorce from Ted. Their shifts overlapped by an hour. Mark Bezos: Mark Bezos is the half-brother of Jeff Bezos. Born to Miguel and Jackie in 1970, Mark Bezos grew up spending his summers on his grandparents' ranch with Jeff and his sister, Christina. After completing high school, Mark attended Texas Christian University. Later, he started his career in the advertising industry, working at companies like DDB Needham and Renegade Marketing Group, per AdWeek. By 1999, Mark had founded his agency, the Bezos-Nathanson Marketing Group, alongside his longtime colleague David Nathanson, according to PEOPLE. Over a decade later, Mark founded a private equity firm called HighPost Capital with professional investor David Moross. Besides advertising and investing, Mark also served on the board of directors for several organizations. Christina Bezos: Christina was born to Miguel and Jackie in 1969. She is Jeff's half sister. She grew close to Jeff. According to a 1997 SEC filing, Christina and Mark were two of his family members who decided to invest, PEOPLE reported, citing Bloomberg Ex-Spouse MacKenzie Scott: MacKenzie Scott is an American philanthropist and novelist. She was married to the Amazon founder for over 25 years, and the couple has four children together. Following their split in early 2019, both Jeff and MacKenzie maintained that they were still good friends and would continue to co-parent their children. Current Partner: Jeff Bezos announced and confirmed his relationship with news anchor Lauren Sanchez in 2019. At the start of their relationship, Lauren was also getting divorced from her husband and Hollywood agent, Patrick Whitesell. Sanchez and Bezos got engaged in May 2023. The two got married in June 2025.
