Wow! UPI payments can be made even if you don't have any money in your bank account. This app offers a unique feature.

How about UPI payments even without a bank balance? Now, BHIM UPI has a similar feature that allows payments even without a balance in your account.

Now, even if you don't have a balance in your bank account, you can make UPI payments without any hassle. You don't need to call a third party or use another app. BHIM UPI offers a feature that allows payments even when you don't have any money in your bank account. Let's explore what this feature is and how it works.

BHIM UPI's UPI Circle feature

BHIM UPI has a new feature called UPI Circle. It allows you to make payments from your UPI account to known people, including family and friends. To do this, the user must first add the people in the circle to whom they want to allow transactions from their account. Users also have the option to set a limit for these transactions and can approve them before each transaction. This feature will be helpful for elderly family members or those who don't have a bank account or don't use UPI on their account.

How to set up a circle?

To set up a circle on BHIM UPI, open the app and tap "UPI Circle." Select the "Add Family & Friends" option. You can add the desired user to whom you want to grant permission to transact on your account. This person can be added via phone number and UPI ID. You will then be presented with the options "Spend with Limit" and "Approval Required." Select the desired option and confirm. If you have selected "Spend with Limit," the person added to the circle will not be able to spend more than that limit. Approval Required requires you to approve the payment before each transaction.