What is UPI Circle / BHIM Circle

UPI Circle is a delegation / sharing feature introduced by NPCI that lets a primary user (i.e. the main account holder) authorize secondary users (trusted family, friends, caretakers) to initiate UPI payments from the primary user’s linked bank account. 

The idea is to allow people who may not be comfortable managing digital payments (elderly, dependents) to transact via someone they trust, while still giving the primary user oversight and control. 

At launch, this feature was available in BHIM app version 4.0.2 and above. 

Key Features & Modes of Delegation

UPI Circle supports different modes / levels of delegation:

Feature Description

Number of secondary users A primary user can authorize up to 5 secondary users. 

Partial Delegation (Approve Every Payment) The secondary user can initiate a transaction, but the primary user must approve each one in real time (by entering UPI PIN) before it is completed. 

Full Delegation (Spend with Limits) The secondary user can transact independently up to a limit set by the primary user — no need for approval each time (as long as the transaction is within the allowed limits). 

Transaction / Monthly Limits In full delegation mode, the per-transaction limit is ₹5,000, and the monthly limit is ₹15,000. 

Transparency / Control All transactions by secondary users are visible to the primary user. In partial mode, each request must be approved. The primary user retains control to modify or revoke permissions. 

Interoperability / Cross-platform UPI Circle is becoming interoperable across UPI apps (BHIM, PhonePe, Google Pay). That means primary and secondary users can be on different UPI apps and still use the feature. 

Useful for families: e.g. a parent lets a child make small payments (school fees, snacks), but retains control. 

For elderly / dependents: a caregiver can help manage payments for them, while the elderly person remains in the loop. 

For small businesses or helpers: owners can let trusted staff initiate payments (for fuel, supplies) under limited authorization. 

Promotes financial inclusion: individuals who may not have bank accounts or are less tech-savvy can still transact via trusted persons. 

How to Use / Set Up UPI Circle in BHIM

Here’s a step-by-step guide based on available sources:

Update BHIM app

Ensure your BHIM app is version 4.0.2 or later. 

Open UPI Circle section

Within BHIM app, look for “UPI Circle” in the menu or home page. 

Add Secondary User

You can add by entering their UPI ID or by scanning their QR code. 

The secondary user must accept the invitation. 

Choose Delegation Type

Approve Every Payment (Partial Delegation).

Spend with Limits (Full Delegation).

Set limits (monthly / per transaction) if choosing full delegation. 

Confirm / Authorize Setup

Once settings are configured, confirm using UPI PIN or as required. The setup may take a few minutes to become active. 

Operate

Secondary user initiates payments (within their access).

If partial mode, request goes to primary for approval.

The transaction is completed only after primary approves.

Primary can monitor, edit, or revoke access any time. 

Limitations & Considerations / Things to Note

Even with full delegation, there are limits: typically ₹5,000 per transaction and ₹15,000 per month. 

In partial delegation mode, the daily UPI limits (that apply to your account) still apply. 

The feature requires both parties to use UPI and compatible apps. Secondary users must accept the invitation.

The feature was initially limited to BHIM, but cross-platform interoperability is being introduced, meaning primary & secondary can be on different UPI apps. 

You must trust the secondary user, even if there are limits — misuse is possible if permissions are mis-set.

The feature is new, so some bank/UPI apps may roll out support gradually.

 

The Department of Posts has undertaken an initiative to establish a Digital Public Infrastructure (DPI) for a standardized, geo-coded addressing system in India. As a part of this initiative, The Department has finalised DIGIPIN – the foundation layer of the DPI. This initiative seeks to provide simplified addressing solutions for seamless delivery of public and private services and to enable “Address as a Service” (AaaS) across the country. DIGIPIN is an open-source national level addressing grid developed by Department of Posts in collaboration with IIT Hyderabad and NRSC, ISRO and is a key component of the digital address ecosystem. The advent of DIGIPIN will mark a revolutionary step in India's journey towards digital transformation by bridging the crucial gap between physical locations and their digital representation.

 

 The Department of Telecommunications has launched the Sanchar Saathi portal to provide citizens with tools to manage their mobile connections and increase awareness about government initiatives. The portal enables users to identify mobile connections issued in their name and disconnect any unnecessary connections. It also offers features to block or trace lost mobile phones and verify the authenticity of devices when purchasing new or used phones. Refer this link to know mobile number owner

One of the modules on the Sanchar Saathi portal is the CEIR, which assists in tracing lost or stolen mobile devices and blocking them on all telecom networks in India to prevent their misuse. If someone tries to use a blocked mobile phone, its traceability is generated, and once the phone is found, it can be unblocked on the portal for normal use by the citizens.

The TAFCOP module allows mobile subscribers to verify the number of mobile connections taken in their name and report any connections that are not required or not taken by them.

Additionally, the portal includes a "Keep Yourself Aware" facility that provides users with the latest updates and awareness material related to end-user security, telecom, and information security.

For Quick User Manual Refer this link 

 

Enhancing Ease of Submitting Digital Life Certificate through Face Authentication Technique based on

UIDAI Aadhaar software for Digital Life Certificate submission by pensioners using only a smartphone.

Process flow as given below:-

1) Download AadhaarFaceRd App from Google Play Store

2) After the Rd service is installed, it will be visible in Settings App Info as shown in screenshot.

3) Download  Jeevan Pramaan Face Application from

https://jeevanpramaan.gov.in/package/download or download from Google Play store  

Click on Client Installation Document for Android Face App.

4) Provide required information -> a link will be sent to the mail ID provided -> Click on link -> file gets downloaded in downloads click on file to install app

5) Open app -> give required permissions-> this opens a screen for Operator Authentication-> give required information -> submit-> enter OTP-> 

Scan face of operator-> on being successful,

pop-up will appear "Client registration successful"

6) The operator authentication IS a one time process. Pensioner can also be the Operator.After operator authentication, a screen will open for pensioner authentication. One operator can generate DLC of multiple pensioners.

7) Fill in all the details as on the screen correctly, Click on both the checkboxes and submit.

8) Click on the checkbox and scan for live photograph.

9) In this pop-up window select "yes" to continue with the scan process.

10) Click on the checkbox and proceed.

11) While doing Face Authentication keep your face straight and follow the instructions shown on screen.

12) After face scanning DLC submission appears on the mobile screen along with the Pramaan ID

and PPO no.

 Traders' body CAIT on  launched a vendor onboarding mobile app for its upcoming e-commerce portal 'Bharat e Market'. The app will enable businesses and service providers to register on the portal and create their own "e-dukaan". This portal  is significant initaive for Local for Vocal.

The Confederation of All India Traders (CAIT) said its 'purely Indian' Bharat e Market portal will comply with all the rules and regulations of the country.

This platform has option to register buyer and seller neither this portal charge any commisssion . There is no registration fee for seller .CAIT has developed its Bharat e Market portal which will provide both B2B and B2C business opportunities.

No Chinese goods will be allowed for sale on the portal, adding that special emphasis will be accorded to products made by women entrepreneurs, artisans and craftsmen

CAIT has been engaged in a tirade against foreign e-commerce companies, accusing them of violating the country's FDI policy norms -- a charge denied by the firms.

You all know the importance of Aadhaar Card and in today's time
 it has become the most important document.
In a situation, if the Aadhaar card is lost or misplaced, then you may be in trouble. 
Because there is a risk of your data being leaked when someone comes in the hands
 of the wrong person. 
In such a situation, if Aadhaar is lost, first block it and for this you do not need
 to go anywhere
Explain that once the Aadhaar card is locked, hackers cannot do Aadhaar verification
 without your permission.
 Your data will also be completely safe. 
You do not even have to go anywhere to lock and unlock the base.
This is how you can lock the base
If the Aadhaar card is lost, first of all lock it for the safety of its data. 
For this, you have to send SMS by writing GETOTP on 1947. 
After this, OTP will come on the phone of the holder.
Message this OTP to 1947 again by writing 'LOCKUID Aadhaar Number'.
 After sending this message, your Aadhaar number will be locked.

How to Unlock ?
After locking the Aadhaar number, you can also unlock it later.
You have to write GETOTP Aadhaar number from your register mobile number 
and send it to 1947. After which you will receive an OTP.
After this, after writing the UNLOCKUID Aadhaar number and OTP, 
you will have to send a message to 1947 again. 
Just by doing this, your Aadhaar number will be unlocked.

Election commsion  is all set to digitise the voter ID cards on their mobile phones and personal commuters. Now Voter can get downloable Voter card as e-version same as e-aadhar card and e-PAN

This e-version of the voter ID card is a non-editable digital version of the elector photo identity card which can be saved in facilities such as Digi Locker or printed in a PDF format, said the Election Commission officials.

On the occasion of 11th National Voters' Day , Law Minister Shri  Ravi Shankar Prasad will on Monday launch electronic version of the voter identity card, termed launch the e-EPIC (Electronic Electoral Photo Identity Card) programme, which can be downloaded on mobile phone or personal computer.

This  initiative would be launched in two phases. In the first phase from January 25 to 31, all new voters who have applied for the voter-ID card and registered their mobile numbers in Form-6 will be able to download the e-EPIC by simply authenticating their mobile number.

The mobile numbers should be unique and not be previously registered in the ECI's electoral rolls.

The second phase will start from February 1. It will be open for the general voters. All those who have given their mobile numbers (linked one) they can also download their e-EPIC.

A digital version of the Elector Photo Identity Card can be accessed through the Voter Helpline App and websites https://voterportal.eci.gov.in/ and https://www.nvsp.in/.