The UPI New Feature is here to revolutionize how we handle digital payments in India! Unified Payments Interface (UPI) has already won hearts as the go-to method for quick and easy transactions. Now, with this latest update, a single UPI account can empower up to five people to make payments seamlessly.
Imagine splitting bills with friends or helping your parents pay for groceries—all from one account. Launched by the National Payments Corporation of India (NPCI), this feature, called UPI Circle, is rolling out to make life simpler and payments smarter. Let’s dive into what it’s all about and how you can use it!
What is UPI Circle All About?
Say hello to UPI Circle—a brilliant addition to the UPI ecosystem! This feature lets the primary account holder share their UPI account with up to five trusted individuals. Whether it’s family, friends, or colleagues, these secondary users can now tap into the same account to make payments. It’s like giving your loved ones a digital wallet linked to your bank without the hassle of setting up separate accounts. Currently available on the BHIM app, UPI Circle is set to expand to other popular UPI platforms soon.
How Does the UPI New Feature Work?
Wondering how this magic happens? It’s pretty straightforward! The primary UPI user—the one with the bank-linked account—sets up a UPI Circle. Once created, they can add members who’ll get access to make payments directly from that account. You’re in full control as the primary user, deciding how much freedom each member gets. Whether you’re managing household expenses or helping someone less tech-savvy, this feature ensures payments are smooth and secure. Plus, NPCI’s robust system backs it, so you know it’s reliable.
Step-by-Step Guide: How to Add Members to Your UPI Circle
Ready to set up your UPI Circle? Here’s how you can add members and get started:
- Open Your UPI App: For now, head to the BHIM app (other apps will follow soon).
- Enter UPI ID or Scan QR: Add a member by typing their UPI ID or scanning their QR code.
- Set Permissions: Choose between full or partial delegation (more on this below).
- Confirm and Share: Once added, they’re ready to pay using your account within the limits you set.
It’s that simple! You can tweak settings anytime, ensuring you stay in charge while making payments flexible for others.
Full vs. Partial Delegation: What’s the Difference?
This new UPI feature comes with two cool options to suit your needs:
- Full Delegation: Secondary users can make payments up to a limit you decide—without needing a PIN each time. Perfect for trusted folks like kids or spouses!
- Partial Delegation: Here, the primary user has to approve every transaction with their PIN. It’s great for extra security or when you want to keep a closer eye on spending.
Both options give you flexibility while keeping your account safe and sound.
Why UPI Circle Stands Out
So, what makes UPI Circle so special? For starters, it’s a lifesaver for shared expenses. Whether you’re splitting rent with roommates, managing office tea funds, or helping elderly parents shop online, this feature has you covered. It’s a boon for those who aren’t tech-savvy—think grandparents who struggle with apps but still need to pay bills. By linking them to your account, you simplify their lives without compromising security. Plus, it reduces the need for multiple accounts, making digital payments more inclusive than ever.
And there’s more! UPI Circle enhances convenience without sacrificing safety. With NPCI’s top-notch encryption and your control over limits, it’s a win-win. As digital payments grow in India, this feature could even encourage more people to ditch cash for good.
Extra Perks of the UPI New Feature
Beyond convenience, UPI Circle brings a fresh layer of trust to digital payments. Families can now manage budgets together, small businesses can delegate payments to team members, and caregivers can assist seniors effortlessly. It’s not just about payments—it’s about building a connected financial ecosystem. With plans to roll out across more apps, expect this feature to become a household name by the end of 2025!
FAQs About the UPI New Feature
Que: What is the UPI’s New Feature called?
Ans: It’s called UPI Circle, and NPCI launched it to let multiple people use one UPI account for payments.
Que: How many people can I add to my UPI Circle?
Ans: You can add up to five members to your UPI Circle, each with customizable payment permissions.
Que: Where can I use the UPI Circle feature right now?
Ans: As of April 1, 2025, it’s available on the BHIM app, with other UPI apps expected to adopt it soon.
Que: Is UPI Circle safe to use?
Ans: Yes! NPCI’s secure framework backs it, and you control who pays and how much with full or partial delegation.
Que: Can I remove someone from my UPI Circle?
Ans: Absolutely. As the primary user, you can add or remove members anytime through your UPI app.
Que: Who benefits most from UPI Circle?
Ans: Families, friends, small teams, and caregivers—anyone looking to share payment access securely and easily!