To make digital payments in India even easier and safer, BHIM UPI app has launched a new feature called UPI Circle. With the help of this feature, you can now make payments to your trusted family members or friends even if you have zero balance in your bank account. This feature is especially useful for those people who often want to send money immediately in case of emergency, but do not have sufficient balance in their account.
How does UPI Circle feature work?
UPI Circle allows you to make payments to your trusted people from your bank account. You first have to decide which family members or friends will join this circle and how much amount you want to allow them to send. After this, these people can make payment from your account under this limit even if there is no balance in your account. This gives you complete control over your transactions as you can also set the permissions of each transaction.
How to activate UPI Circle?
Activating this feature is very easy. Open the BHIM UPI app, then go to the Circle section. Here you can add new members and set limits for each member. Once set up, your trusted people will be able to transfer limited amounts from your bank account without incurring any additional expenses without your permission.
What are the benefits of UPI Circle?
The biggest advantage is that you do not always need to keep pre-loaded money in your account. If needed, you can keep your money safe by trusting your family or close friends for payment. This feature is especially important for families where elders carry out financial transactions themselves or children help their parents. Additionally, through UPI Circle you can avoid fraud during digital transactions as every transaction requires your permission.
Under the government’s Digital India Mission, the UPI Circle feature further strengthens the goal of Digital India. This feature promotes cashless transactions in India and gives users a digital payment experience with greater security.