Zero balance in account? No tension! Now make payment directly from parents’ or friend’s account, UPI brings ‘magical’ feature

Imagine, you went to a shop to buy goods… scanned it and started paying and a message appeared on the screen – ‘Insufficient Balance’ (there is no money in the account)! How embarrassing and troublesome, isn’t it? Or, in case of an emergency, you need to send money immediately, but you do not have enough money in your account.

So, now to end this biggest tension of yours forever, BHIM UPI app has come up with such a revolutionary and ‘magical’ feature that you too will say – “Wow! This is amazing!”

The name of this great feature is ‘UPI Circle’.

So how does this ‘magic’ work?

This is not magic, but a ‘digital bond’ of trust.

• Understand it this way: Suppose, a father adds his college-going son and his wife to his ‘circle’ of trust.
• What will happen now?: Now when the son pays his school fees or canteen bill, he will be able to pay through his phone, but the money will be deducted directly. from father’s bank accountYes, even if the son does not have a single rupee in his account!

That is, it is like a ‘family account’
UPI circle gives you a ‘Primary User’ (e.g. head of the household) and to the people he trusts (e.g. wife, children, siblings or friends) ‘Secondary User’ Allows you to add as. All these people will be able to make payment from your only bank account.

So will anyone withdraw any amount of money? No! control is in your hands

This is the most beautiful thing about it. Control will always be in the hands of the primary user, i.e. you.

• Set limits: You can buy one for each member (eg son or wife). spending limit They can decide how much money they can spend in a day or a month.
• Two types of approval:
  • Auto-Approval: If you wish, you can set that payment up to a certain amount is made without asking you (for example, up to ₹ 500 for the child’s school canteen).
  • Manual Approval: Or you can also set that whenever someone makes a payment, a message will be sent to your phone first. approval request Came. The money will be deducted only when you ‘approve’ it.

Why is this a ‘game-changer’ feature?

1. Biggest support in emergency: Now in case of emergency, you will not have to worry about checking the balance in your account to send money to someone.
2. Boon for children and elderly: This is very beneficial for children who stay in hostels, or for elderly parents who feel hesitant in asking you for money again and again.
3. Less risk of fraud: When every payment is made in front of your eyes or with your permission, the risk of fraud will also be reduced.

How to activate? (is very easy)
just your BHIM UPI update the app, ‘UPI Circle’ Go to the section and click on ‘Add Member’ to start adding people you trust.

This is a huge and exciting step forward in the world of UPI, which is going to make our digital transactions even more easy, secure and ‘family-friendly’.