UPI Circle ek aisi facility hai jisme bank account holder kisi trusted person ko apne account se UPI payment karne ki permission de sakta hai. Ismein account aur paison ka ownership Primary User ke paas hi rehta hai, jabki Secondary User ko approved payments ke liye access milta hai. NPCI ke framework mein Full Delegation aur Partial Delegation ke options diye gaye hain.
Is facility ka use un situations mein kiya ja sakta hai jahan kisi family member, child, senior citizen ya trusted person ko regular payments karne ki zarurat hoti hai. Payment authority kitni deni hai, iska control Primary User ke paas rehta hai.
UPI Circle 2026: Overview
| Particular | Details |
|---|---|
| Feature Name | UPI Circle |
| Managed By | NPCI |
| Main Purpose | Trusted user ko payment access dena |
| Primary User | Account holder / payment authority |
| Secondary User | Jise payment ki permission di jaati hai |
| Delegation Types | Full Delegation aur Partial Delegation |
| Full Delegation Limit | ₹15,000 per month per delegation |
| Full Delegation Per Transaction | ₹5,000 tak |
| Maximum Secondary Users | 5 |
| Use | Family, dependents aur trusted users |
UPI Circle Kya Hai?
UPI Circle UPI ki ek delegated payment facility hai, jisme account holder kisi trusted person ko apne bank account se payment karne ki permission de sakta hai. Iska purpose account access dena nahi, balki selected payments ke liye doosre user ko controlled authority dena hai. Ismein Primary User apni zarurat ke hisaab se Full Delegation ya Partial Delegation choose kar sakta hai.
UPI Circle Kaise Kaam Karta Hai?
Process ki shuruaat Primary User ke supported UPI app se hoti hai, jahan trusted person ko Secondary User ke roop mein add karke invitation bheja jata hai. Request accept hone ke baad Primary User delegation ka type select karta hai aur applicable limit set karta hai. Full Delegation mein Secondary User set limit ke andar payment khud complete kar sakta hai, jabki Partial Delegation mein payment complete karne se pehle account holder ki approval zaroori hoti hai.
Primary User Aur Secondary User Kya Hote Hain?
Primary User wo account holder hota hai jo kisi doosre person ko payment authority deta hai aur us access ko manage karta hai. Jise ye permission milti hai, use Secondary User kaha jata hai. Payment ka amount Primary User ke bank account se debit hota hai, isliye access dene se pehle saamne wale ki details carefully check karna important hai.
Full Delegation Kya Hai?
Is option mein Primary User Secondary User ko ek fixed limit ke andar payments complete karne ki permission deta hai. Har transaction ke liye alag se approval ki zarurat nahi hoti. NPCI framework ke according Full Delegation mein ek delegation ke liye maximum ₹15,000 per month aur ₹5,000 per transaction ki limit hai.
Partial Delegation Kya Hai?
Is mode mein Secondary User payment request start karta hai, lekin transaction tabhi complete hoti hai jab Primary User usse approve karta hai. Approval ke waqt account holder apna UPI PIN use karta hai. Ye option un users ke liye suitable hai jo doosre person ko payment initiate karne dena chahte hain, lekin final approval apne paas rakhna chahte hain.
UPI Circle Se Kya-Kya Kar Sakte Hain?
UPI Circle ka use un payments ke liye kiya ja sakta hai jahan account holder kisi doosre person ko regular transactions handle karne ki permission dena chahta hai. Delegation ke type ke hisaab se payment ya to predefined limit ke andar directly complete ho sakti hai, ya pehle Primary User ki approval zaroori hoti hai. Is tarah har chhoti payment ke liye account holder ko khud transaction karne ki zarurat nahi padti.
UPI Circle Ki Limit Kitni Hai?
Full Delegation ke liye ek delegation par maximum ₹15,000 monthly aur ₹5,000 per transaction limit hai. NPCI framework ke according Primary User maximum 5 Secondary Users ko add kar sakta hai. Partial Delegation mein payment limits participating UPI app, bank aur applicable UPI rules ke according vary kar sakti hain.
UPI Circle Kaise Use Karein?
Supported UPI app mein feature open karke Primary User ko pehle Secondary User ko invitation bhejna hota hai. Invitation accept hone ke baad delegation type select karke required settings complete ki ja sakti hain. Setup ke baad Secondary User ko di gayi authority ke according payment karne ka access milta hai. App ke hisaab se menu names aur setup steps thode different ho sakte hain.
UPI Circle Mein Kisi Ko Kaise Add Karein?
Primary User ko UPI Circle ke andar Secondary User add karne ka option select karke required details enter karni hoti hain. Invitation send hone ke baad doosra user request accept karta hai. Link hone ke baad Primary User delegation ki settings ko manage kar sakta hai.
UPI Circle Mein Payment Kaunse Account Se Hogi?
UPI Circle ke through ki gayi payment ka amount Primary User ke bank account se debit hota hai. Secondary User ko sirf payment authority milti hai; uska bank account Primary User ke account se merge ya transfer nahi hota.
UPI Circle Safe Hai Ya Nahi?
Is facility mein Primary User ke paas payment authority ka control rehta hai, lekin permission sirf trusted person ko deni chahiye. UPI PIN, OTP, banking password ya other confidential credentials kisi ke saath share nahi karne chahiye. Secondary User ko add karne se pehle uski details carefully verify karna bhi zaroori hai.
UPI Circle Mein Cooling Period Kya Hai?
BHIM ke implementation mein Secondary User ke successfully link aur authorize hone ke baad 30 minutes ka cooling period hota hai. Is duration mein delegated payment initiate nahi ki ja sakti. Doosre UPI apps mein process aur applicable conditions alag ho sakti hain.
UPI Circle Ko Kaun Use Kar Sakta Hai?
Ye facility un Primary Users ke liye useful hai jo apne UPI-linked account se kisi trusted person ko controlled payment access dena chahte hain. Secondary User family member, dependent ya koi other trusted person ho sakta hai. Iski availability participating UPI app aur bank support par depend karti hai.
UPI Circle Aur Normal UPI Mein Kya Difference Hai?
Normal UPI mein account holder khud payment authorize karta hai, jabki is setup mein Primary User kisi Secondary User ko apne account se payment karne ki permission de sakta hai. Yaani payment authority share hoti hai, lekin bank account ka ownership Primary User ke paas hi rehta hai.
UPI Circle Mein Permission Kaise Hatayein?
Agar Primary User kisi person ka payment access band karna chahta hai, to supported UPI app mein delegation ko modify ya revoke kiya ja sakta hai. Isse di gayi payment authority ko baad mein control karna possible hota hai. Secondary User bhi applicable option ke through linked access ko de-link kar sakta hai.
UPI Circle Use Karte Samay Kya Dhyan Rakhein?
Kisi ko access dene se pehle uski details carefully check karein aur sirf trusted person ko add karein. Payment limits ko samajhkar use karein aur transactions par nazar rakhein. UPI PIN, OTP aur banking credentials kabhi bhi doosre user ke saath share na karein.
UPI Circle 2026 FAQs
UPI Circle kya hai?
Ye ek delegated payment facility hai jisme Primary User kisi trusted Secondary User ko apne bank account se UPI payments karne ki permission de sakta hai.
Ismein kitne users add kar sakte hain?
Primary User maximum 5 Secondary Users ko link kar sakta hai.
Full Delegation ki limit kitni hai?
Full Delegation mein maximum ₹15,000 per month aur ₹5,000 per transaction ki limit hai.
Full aur Partial Delegation mein kya difference hai?
Full Delegation mein set limit ke andar Secondary User payment complete kar sakta hai, jabki Partial Delegation mein har payment ke liye Primary User ki approval zaroori hoti hai.
Kya Secondary User ko bank account chahiye?
Full Delegation ke setup mein Secondary User ko apna bank-linked UPI account hona zaroori nahi hai. Payment Primary User ke linked account se hoti hai.
Kya UPI PIN share karna padta hai?
Nahi. Primary User ko apna UPI PIN Secondary User ke saath share nahi karna chahiye.
Kya di gayi permission baad mein hata sakte hain?
Haan, Primary User supported UPI app ke through delegation ko modify ya revoke kar sakta hai.
Conclusion
UPI Circle ka purpose payment access ko share karna hai, bina bank account ka ownership transfer kiye. Iski usefulness tab zyada hai jab kisi trusted person ko regular UPI payments ke liye limited authority deni ho. Feature use karne se pehle supported app ke rules aur payment limits check karein. Secondary User ko add karte waqt details verify karein aur UPI PIN, OTP ya banking credentials kabhi share na karein.
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UPI Circle ke official framework aur latest guidelines ke liye NPCI ki official UPI Circle information check kar sakte hain.