Now Your Parents Can Use Your UPI! BHIM UPI Circle Lets You Share Access Safely
Tech News Desk : Now, with the new BHIM UPI Circle feature, you can safely let your parents, children, or any trusted family members use your UPI account — all without sharing your PIN or compromising security. This smart update from BHIM makes it easy, secure, and fully controlled to delegate payment access.
So, how does it work? The feature is now live on the latest BHIM app (version 4.0.2). As the primary user, you can authorise up to five trusted people to make payments using your UPI account. However, they won’t be able to complete any transaction on their own. For every payment, you’ll receive a real-time notification, and the transaction will go through only after you approve it by entering your UPI PIN.
What is BHIM UPI Circle and how does it work?
BHIM UPI Circle is a feature launched by NPCI BHIM Services Limited, a part of the National Payments Corporation of India. It allows a primary user (the main UPI account holder) to authorize up to 5 secondary users to make UPI payments on their behalf.
Here’s how it works:
- The primary user adds a secondary user in the BHIM app.
- The secondary user can initiate a payment request.
- The primary user receives a real-time alert and approves the transaction using their UPI PIN.
- The payment is completed only after approval.
This feature helps people like senior citizens, students, small traders, or anyone who struggles with digital payments. It brings a new level of safety, control, and ease.
How to use UPI Circle in the BHIM app?
Using this feature is simple. Just follow these easy steps:
- Step 1: Download or update the BHIM app to the latest version (4.0.2) from the Play Store or App Store.
- Step 2: Open the app and go to the ‘UPI Circle’ section (available on the home screen or in the menu).
- Step 3: Tap on ‘Add Secondary User’ and enter their UPI ID or scan their QR code.
- Step 4: Choose the type of access you want to give. You can pick ‘Approve Every Payment’ for partial control.
- Step 5: Once the secondary user accepts your invite, they can request payments, but you must approve them through your app.
This ensures that every payment stays under your control.
Why is UPI Circle helpful for senior citizens?
Senior citizens often hesitate to use digital payment apps. With UPI Circle, a family member can help them make payments without handing over bank details. You can approve transactions for them instantly. This gives them confidence, while still keeping their money secure.
For example, your father may want to pay an electricity bill. He can request it through your account, and you can approve it instantly using your UPI PIN. It’s that easy!
How does UPI Circle support students and young users?
Parents can now give controlled payment access to children for education, travel, or daily needs. Young users don’t need their own UPI-linked bank account. They can simply become a secondary user and ask parents to approve their payments.
This builds financial discipline, trust, and responsibility among students.
What are the key features of UPI Circle?
Let’s look at the key features in a simple format:
| Feature | Details |
|---|---|
| Number of users | You can add up to 5 secondary users |
| Approval method | All payments need your UPI PIN approval |
| Real-time control | You get notified instantly for every payment request |
| Bank account required? | No. Secondary users don’t need their own UPI bank account |
| Monthly limit | ₹15,000 per user (under Full Delegation) |
| Transaction limit | ₹5,000 per transaction (under Full Delegation) |
| Delegation types | Choose between ‘Full’ or ‘Partial’ access |
Who else can use UPI Circle?
This new feature helps many people:
- Senior citizens who need help with digital payments.
- Students who require controlled access for pocket money or college fees.
- Small business owners who want staff to make purchases under watch.
- Family members who live far and need help with payments.
- People uncomfortable with digital apps, who need guidance and support.
With BHIM UPI Circle, you don’t need to share your bank details. You give access only to trusted people—and you keep complete control.
Is BHIM UPI Circle safe?
Yes, it’s completely safe. You approve every transaction with your UPI PIN. You see all activity in real-time. And no payment goes through without your permission. Whether you’re helping your parents pay bills, or allowing your child to buy something online, you stay in charge. The BHIM app gives you transparency, safety, and control.
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