‘The Times of India’ has launched a new series titled ‘Hack of the Day,’ aimed at providing quick and practical solutions to common everyday challenges. This weekday series will feature hacks designed to save users time, money, and reduce stress. Each hack will utilize accessible tools and features, ranging from government websites to widely-used applications. The focus is on delivering straightforward fixes that promote smarter living.
Managing household finances often means balancing convenience with security. Parents may want their children to pay for groceries, senior citizens may need help with digital payments, or students might require controlled access to funds. Traditionally, this meant either handing over full account access or constantly supervising transactions — both of which carry risks.
That’s where UPI Circle comes in. This feature allows you to delegate UPI payments to trusted family members or household members while setting clear limits and controls. Instead of sharing your PIN or account credentials, you can authorize specific users to make payments under a monthly cap, with approval modes that keep you in charge. It’s a smarter way to empower your family to handle everyday expenses without compromising your financial security. By using UPI Circle, you reduce the chance of misuse while still enabling flexibility. Think of it as giving your family a prepaid card — but directly linked to your UPI account, with adjustable limits and oversight. Open a UPI app that supports UPI Circle. Select the UPI Circle or delegated payments option. Add a trusted family member or secondary user. Set the monthly limit and approval mode (auto or manual). Review payments regularly and remove access when not needed. Delegate only to someone you trust. Limits reduce risk, but they don’t replace the need to monitor transactions. Always keep an eye on activity to ensure your account remains secure.