24-04-2025
Want to share UPI with family? Check steps to use BHIM app's UPI Circle
Want to enable your parents or children to make payments from your UPI account, but without compromising on safety or control? That's exactly what the new UPI Circle feature on the BHIM app is designed to by NPCI BHIM Services Limited (NBSL), a part of the National Payments Corporation of India (NPCI), the UPI Circle feature allows you, the primary UPI user, to safely share payment access with trusted people like your parents, children, or other close family the best part? Every payment made by them will still need your approval. This means your money stays safe, while your family and friends enjoy the convenience of digital payments, all under your IS UPI CIRCLE?
UPI Circle is a feature where the main UPI account holder or the primary user can authorise up to five trusted people, i.e., secondary users to make UPI payments using his account. These could be parents, children, or anyone in the every payment made by secondary users will need approval from the primary users. The transaction won't go through unless you enter your UPI PIN to confirm way, they get to use your UPI access, while you stay in full DOES IT WORK ON THE BHIM APP?To use UPI Circle, first download the latest version of the BHIM app (version 4.0.2) from the Play Store or App Store. Once installed, open the app and go to the UPI Circle section, which you'll find on the home screen or in the main can then add a trusted person as a secondary user by entering their UPI ID or scanning their QR adding them, select the option called 'Approve every payment', also known as Partial the secondary user accepts your invite, they'll be able to make payments using your UPI account. However, every transaction they start will need your real-time approval through the app before it is IS UPI CIRCLE BENEFICIAL?Many elderly people aren't comfortable using UPI apps on their own. With UPI Circle, a family member can help them pay for things, while still letting them be part of the digital payment parents can give their children access to make small payments for school or college. You control how much they spend and approve each transaction, so it's secure, and they learn how to manage money the primary user can set a limit on the spending amount by the secondary user. Under Full Delegation, the main user can set a monthly limit of up to Rs 15,000 for secondary users, while each transaction can be up to Rs 5,000. Under Partial Delegation (where the primary user approves each payment), the daily UPI limits apply.
