(What is UPI Circle) यूपीआई सर्किल एक ऐसा फीचर है जिसमें यूजर बिना बैंक अकाउंट के भी यूपीआई पेमेंट कर सकते हैं। जो यूजर ऑनलाइन बैंकिंग (Online Banking) का इस्तेमाल नहीं करते हैं उनके लिए यह फीचर काफी फायदेमंद साबित होगा। यूपीआई सर्किल के जरिये पेमेंट के लिए यूजर को केवल मोबाइल नंबर और ओटीपी (OTP) की जरूरत होगी।
#upi #googlepay #upicircle #rbi #latestnews #topnews #businessnews #payments #Googlepay #Phonepe
#upi #googlepay #upicircle #rbi #latestnews #topnews #businessnews #payments #Googlepay #Phonepe
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NewsTranscript
00:00If you don't have a bank account, but you use the Unified Interface Payment System i.e.
00:08UPI, then you will be free of tension.
00:11Even if you don't have a bank account, you can make payments through UPI.
00:15How?
00:16Has any new feature been launched?
00:17We will try to find out in this video.
00:18So, in fact, RBI has now provided many facilities in UPI Circle Feature for UPI users.
00:27UPI Circle Feature is a National Payment Corporation of India, i.e. launched by NPCI, and RBI
00:32has recently announced this feature.
00:33With this new feature, people will get a lot of relief, who believe in sharing is caring.
00:39Because even today, there are many people in the house whose head of the family has
00:43a bank account, but the elderly, children and women living in the house do not have a bank
00:48account.
00:49In this case, all these people are dependent on others for payment.
00:52This is why UPI Circle Feature has been launched to help such people.
00:56Now let's understand what is UPI Circle Feature?
01:00In fact, UPI Circle Feature has been presented to those people who pay cash for their daily
01:05needs.
01:06For such people, UPI Circle will prove to be useful, any UPI user will be able to choose
01:11a secondary user for his digital payment, on whom he trusts.
01:16With this feature, the primary user will be able to pay the secondary user.
01:22UPI Circle is a Delegate Payment Feature, which provides the primary feature with the
01:26payment link.
01:27With the help of this, a partial or full payment can be made, i.e. the parents can share their
01:33UPI account with their children.
01:36Now let's know how this will work.
01:39There are two types of users, Primary and Secondary.
01:43The primary user has his own account, in which he can join the secondary user.
01:48Along with this, he can set some limits.
01:50In this, the secondary user can be given full payment access.
01:53At the same time, the secondary user can also be provided with some limited payment option
01:57facilities.
01:58That is, a limit can be set to pay on secondary users.
02:01Now let's understand this from your example.
02:04Suppose the father of the house has a primary account, it is his own account, and he wants
02:09to share it with his children, or his children will be secondary users in it.
02:14He wants his children to be able to make as much payment as possible, then he can give
02:18full access.
02:19But if he wants to pay a limited amount, then he can also set some limits.
02:28Now apart from this, there are two types of delegations in this feature.
02:31The first is full and the second is partial delegation.
02:34Full delegation means that the secondary user does not need the permission of the primary
02:39account holder for every payment up to one limit.
02:43For example, if the children want to make any payment, then they can make a payment
02:47without the permission of their father, who is their primary user.
02:51But in the same partial delegation, the secondary user will be able to send a payment request.
02:55This payment will not be completed until the primary account holder approves the payment.
03:00At the same time, a UPI pin is also required for the transaction.
03:03Let's understand this again with an example.
03:06Suppose the children are making any payment, but they are in the partial delegation.
03:10Then they will have to send a request to their father, who is the primary account holder.
03:14He will approve it then.
03:16After that, the payment will be made somewhere.
03:19So how did you like this UPI circle feature of RBI?
03:22Do tell us by commenting.
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