How to Use UPI Circle in BHIM UPI: Complete Step-by-Step Guide (2025)
What is UPI Circle?
UPI Circle ek naya feature hai BHIM UPI app ka, jo financial transactions safer, more organized, aur family/group management ke liye easy banata hai. Primary account holder apne account ka secure UPI payment access trusted logon (family, friends, staff, caregivers) ko assign kar sakta hai, lekin final approval or control uske paas hi rehta hai.
Key Features & Benefits of UPI Circle
- Approve every payment manually or set monthly/spending limits for each secondary user.
- Ek UPI Circle mein maximum 5 secondary users add kiye ja sakte hain.
- Har transaction pe real-time approval milta hai via UPI PIN, so aapka paisa hamesha safe rehta hai.
- Helps users who don’t have their own UPI-linked account; unko group access mil jaata hai.
- Best for managing family funds, children’s allowances, staff expenses, ya elders ki daily needs.
Who Should Use UPI Circle?
UPI Circle har kisi ke liye hai jko apne kisi trusted banda ko paisa use karne ka, lekin control apne paas rakhne ka convenience chahiye. Households, parents (kids ke expenses ke liye), senior citizens, staff, small businesses, ya caregivers sab ke liye perfect solution hai. Ab dependents bhi seamlessly QR scan karke, ya UPI ID se payments request/receive kar sakte hain under strict controls.
Step-by-Step: How to Set Up UPI Circle in BHIM UPI App
- Download Latest BHIM App: Sabse pehle Play Store/App Store se BHIM UPI ka updated v4.0.2+ version install karein.
- Go to UPI Circle: BHIM app open karein, main menu par ya home screen par “UPI Circle” section dikhai dega, uspe tap karein.
- Add Family/Friends: “Add Family or Friends” option select karein. Yahan aap QR code scan karke ya UPI ID / mobile number dal kar member add kar sakte hain.
- Choose Delegation Type: “Approve Every Payment” (har payment manual approval chahiye), ya “Spend with Limits” (auto allow with fixed monthly/transaction spending limit).
- Confirm Details: Verification ke liye UPI PIN enter karein, aur invite send kar dein.
- Secondary User Accepts: Jo banda add hua hai usko ek invite notification milega, accept karte hi payment initiate kar sakta hai (as per set limits/approval).
Payment Initiation & Approval Process
Secondary user jab payment start karega, to primary user ko BHIM app me real-time request milegi (agar manual approval selected hai). Primary user approve karega, tabhi paisa transfer hoga. “Spend with Limits” mode mein, set limit ke andar payments auto-approve ho jayenge. Poora transaction history aur control primary ke paas hi safe rahega.
Managing & Removing Circle Members
BHIM app me UPI Circle settings se aap kisi bhi member ko remove/change kar sakte ho. Limits badalna, access modify karna, ya Circle ko deactivate karna bhi allowed hai—poori power primary user ke paas rehti hai. Jab chahe group expand, contract, ya access revoke kar sakte hain.
Use Cases & Security Benefits
- Parents apne bachon ke liye safe spending control set kar sakte hain.
- Elders ko caregivers ke through digital payment access milta hai, security ke saath.
- Small business owners staff ya teams ko expense delegation kar sakte hain (jaise fuel, travel, petty cash) bina risk ke.
- Dependents with no own bank/UPI account bhi trusted group mein payment handle kar sakte hain.
- All actions UPI PIN-protected, real-time visibility with primary app holder.
FAQs: UPI Circle in BHIM UPI
Ek Circle me maximum 5 secondary users allowed hai.
Q2: Can I set spending limits?
Haan, aap har member ke liye alag monthly ya per-transaction limits rakh sakte ho.
Q3: Is my account safe if I use UPI Circle?
Totally secure, kyunki ya to aapko manual approval dena hai, ya limit ke andar hi payment possible hai.
Q4: Can Circle access be removed later?
Haan, aap kisi bhi member ko remove ya update kar sakte hain BHIM app ki Circle settings se.
Q5: Which apps support UPI Circle?
Filhaal BHIM UPI app pe available hai. Baaki top UPI apps jaise PhonePe, Paytm, Google Pay gradually feature introduce kar rahe hain.
Q6: Does dark mode affect UPI Circle?
No—saare headings, container boxes, UI colors dark mode-friendy hain.
Troubleshooting & Tips for UPI Circle
- Ensure app updated ho (minimum v4.0.2).
- UPI ID or mobile sahi dalen; contact list access allow karein for seamless addition.
- Agar approval/limit exceeded ho toh pending request ya error message dikhega.
- UPI PIN hamesha confidential rakhein—kabhi bhi shared na karein.
- Circle dashboard se transaction history regular review karein for security.
UPI Circle vs. Regular UPI Payments
| Feature | UPI Circle (BHIM) | Regular UPI |
|---|---|---|
| Control | Primary user sets limits, approvals | No delegated controls |
| Users | Up to 5 in Circle | Single user only |
| Security | Real-time oversight, PIN approval | Manual, single-user only |
| Use Cases | Family, groups, dependents | Individual spends |
UPI Circle Tips for Secure Group Payments
- Sirf trusted contacts ko addition approve karein, unknown UPI ID avoid karein.
- Every payment prompt timely review karein, especially in manual approval mode.
- Children ya staff ke liye suitable limit set karein, aur frequent updates dekhte rahein.
- Latest app update hamesha install karein for bug fixes & maximum security.
- Circle dashboard regularly monitor karein for suspicious activity.
UPI Circle Summary Table
| Point | Details |
|---|---|
| App | BHIM UPI (v4.0.2+) |
| Users per Circle | Maximum 5 secondary users |
| Permission Types | Approve Every Payment / Spend with Limits |
| Real-Time Track | All payments instantly visible to primary user |
| Best Use | Group payments, household budgets, dependents, small teams |
| Security | UPI PIN required, spending limit & manual-approval options |