Setting Up UPI Circle: Easy Guide to Group Payments on UPI

UPI Circle allows the main user to give another person permission to make UPI payments from their bank account, with limits on how much they can spend.
Setting Up UPI Circle: Easy Guide to Group Payments on UPI
SET UP UPI
5 mins
7 March 2025

UPI Circle is a feature within the Unified Payments Interface (UPI) that facilitates group transactions. It allows users to create circles with friends or family for shared expenses. Each member can contribute to a common pool, making it easier to split bills, share costs for events, or manage group gifts.

Transactions within a UPI Circle are seamless and quick, leveraging the existing UPI infrastructure. Users can initiate payments directly from the circle, ensuring everyone is included in the transaction process. This feature enhances the collaborative payment experience and simplifies managing group finances.

When did UPI Circle launch in India?

UPI Circle was launched in India in August, 2024. This feature, introduced by the National Payments Corporation of India (NPCI), allows primary UPI users to share their accounts with trusted secondary users for easier digital transactions.

Steps to set up a UPI Circle

Setting up a UPI Circle on any UPI app or UPI Lite app is straightforward, follow the given instructions:

  1. First, open your UPI-enabled app and navigate to the UPI Circle feature.
  2. Click on "Create Circle" and choose a name for your group.
  3. Next, invite friends by selecting their UPI IDs or phone numbers from your contact list.
  4. Once they accept the invitation, they become part of the circle.
  5. You can set contribution limits for each member if desired.
  6. After setting everything up, you can start making transactions within the circle for any shared expenses or activities.

Benefits of using UPI Circle for group transactions

Using UPI Circle offers several advantages for group transactions:

  • Firstly, it simplifies splitting bills among friends or family, eliminating confusion over who owes what.
  • Secondly, it provides a centralized platform for managing shared expenses, making tracking easier.
  • Thirdly, transactions are quick and secure, as they utilise the robust UPI framework.
  • Additionally, users can set spending limits and monitor contributions in real-time.
  • This transparency fosters trust among group members and enhances the overall experience of managing collective finances.

How to invite friends and manage UPI Circle groups

Inviting friends to your UPI Circle is simple. Open your circle in the app and select the option to invite members. You can choose contacts from your phone or enter their UPI IDs directly. Once they receive the invitation, they need to accept it to join your circle.

To manage groups effectively, you can add or remove members as needed and adjust contribution limits. Regular updates on transactions keep everyone informed about their contributions and spending, ensuring smooth management of group finances.

UPI Circle limits and security considerations

UPI Circle comes with specific transaction limits to ensure safety and prevent misuse. Typically, there are daily transaction limits per user within a circle, which may vary by bank or app provider. Security features include two-factor authentication and transaction PINs for added protection against unauthorised access.

Users should be cautious when sharing sensitive information and ensure that only trusted individuals are invited to their circles. Regular monitoring of transactions helps maintain security and transparency within the group.

Conclusion

UPI Circle enhances the way we manage group transactions. It simplifies splitting bills and sharing costs among friends and family. With easy setup and effective management features, it promotes transparency and trust. The security measures in place ensure that your transactions remain safe.

By using UPI Circle, users can enjoy a seamless payment experience while keeping track of shared expenses. This innovative feature makes group financial management more efficient and enjoyable. Embrace UPI Circle for your next group outing or event, and experience hassle-free transactions with your loved ones.

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

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Frequently asked questions

What is the purpose of a UPI Circle?

UPI Circle allows primary users to share their UPI ID with trusted secondary users, enabling them to make transactions while maintaining control and security.

Can I add or remove members from my UPI Circle?

Yes, you can add or remove members from your UPI Circle through your UPI app's settings. Simply select the member and confirm your action to complete the process.

Is UPI Circle available for all banks and UPI apps?

Currently, UPI Circle is accessible through the BHIM UPI app, while platforms like PhonePe and Google Pay have yet to introduce it. This feature is supported by several banks, including SBI, HDFC, and ICICI.

What is UPI Circle?
UPI Circle is a feature introduced by NPCI that allows a primary user to share their UPI account with secondary users, such as family or friends. This enables secondary users to make transactions using the primary user’s bank account. The primary user retains control over transaction limits and permissions.

How do I create a UPI Circle?
To create a UPI Circle, open your UPI app and navigate to the UPI Circle section. Enter the secondary user’s UPI ID or scan their QR code. Set transaction limits and permissions, then send an invitation. Once accepted, the secondary user can start making transactions.

Is UPI Circle secure?
UPI Circle is designed with security in mind. The primary user controls access and transaction limits for secondary users. Additionally, transactions are protected by UPI’s stringent security measures, including biometric authentication and PIN requirements, ensuring safe usage of shared accounts.

How can I manage the authority of secondary users in UPI Circle?
Managing the authority of secondary users in UPI Circle involves setting specific permissions and transaction limits. The primary user retains control and can choose between full delegation, allowing secondary users to initiate and complete transactions independently, or partial delegation, where the primary user must approve each transaction.

Who launched UPI circle?

UPI Circle was launched by the National Payments Corporation of India (NPCI) in collaboration with Google. This feature aims to enhance digital payment accessibility by allowing primary UPI account holders to delegate payment responsibilities to trusted secondary users,

Can I use UPI Circle for business purposes?

While UPI Circle is primarily designed for social and personal group payments, it can also be used for business purposes on a limited scale. Businesses can use UPI Circle to manage group payments for clients or team members. However, it is not intended for high-volume business transactions and may not offer the same features as traditional payment gateways.

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