On June 2, 2025, the National Payments Corporation of India (NPCI) introduced UPI Circle, a groundbreaking feature enabling UPI payments without requiring a personal bank account. This initiative enhances financial inclusion, benefiting children, elderly individuals, and rural residents by allowing them to make digital transactions through a primary user’s account. UPI Circle ensures security and control, revolutionizing the accessibility and convenience of digital payments across India.
How To Do Digital Payments Without A Bank Account
UPI Circle connects a primary user (the account holder) with a secondary user (the payment maker). The process begins with the primary user sending an invitation via a UPI app, which the secondary user accepts. The primary user can set a fixed payment limit for a specific period (e.g., ₹5,000 for 30 days) or require approval for each transaction. Thus, secondary users can pay directly within the limit or request approval for transactions. Both users’ transaction histories reflect the payments, ensuring transparency and privacy. This system enables seamless digital payments for those without bank accounts.
Also Read: How To Change/ Reset UPI Pin On Paytm In A Few Simple Steps
Advantages Of UPI Circle
UPI Circle brings transformative benefits, particularly for underserved communities. It empowers children to manage pocket money digitally, fostering financial literacy. So, the elderly users can rely on trusted family members to facilitate payments, overcoming technological barriers. In rural areas with limited banking access, UPI Circle promotes cashless transactions, advancing financial inclusion. Primary users maintain control over spending, minimizing misuse. Operating on UPI’s secure platform, the feature reduces fraud risks, ensuring safe transactions. By enabling digital payments for those without bank accounts, UPI Circle strengthens India’s digital economy, making it more inclusive and user-friendly.
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