Arun 🇮🇳 ⚓
1.1K posts
@FI_InvestIndia Thank you for this, i have been trying to do this for my son, but ended up installing another app that is popular amongst his friends in school
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How to Enable UPI Payment for Children without Bank Account !!!! Share Widely. It can Help Someone. Somewhere...
As you all know, my son Prakrit is 11 years old, homeschooled with tons of similar children (as you all know). He and his friends work on Canva, Stop Motion, Animation, Videos, AI etc. At home, he is involved in buying groceries & other things for us. He takes the metro on his own. They travel to rural schools to teach. Pretty independent child. So, he has a good phone, to take care of all his work & also for us to reach him when he travels. He has a Demat, PAN Card, Aadhar & a Minor Bank Account.
Even though he has his own phone, whenever he would go to buy anything for the home, I would send my phone with him, so that he can make the UPI payment.
I always wanted him to have his own UPI, but this was not possible since he is a minor and his bank account has my name as the Guardian. So my phone number is linked to everything.
Yesterday, we found a solution (thanks to AI search). I wanted to share this you all, since I thought it would help you.
There is a feature called UPI Circle, which enables the parent to add a secondary person to use UPI without a bank account. The money will get debited from the parent account only.
I use PayTM primarily and Google Pay (mainly for UPI Lite) rarely. So, I have set this up on Google Pay. I think this feature can be set up on multiple service providers, you can explore more.
So, how do we enable this.
Basic Requirements before you proceed reading:
- Child must have a phone, data plan, phone number
- Child must have Aadhar or PAN
- Parent must be having Bank account, Phone number linked, Aadhar & working UPI
- Parent must have the need for child to use UPI
Is above points are YES, then move ahead !!!
Step 1: Set Up UPI Account for the Child:
With the phone number of the child, on the child's phone, setup a Google Pay account for the Child or Dependent (Secondary User). You need not link any bank account. Just basic phone number of the child will do. Have the screen lock as the security feature. Keep Aadhar & PAN handy. In child's phone, tap the Profile Picture on the top right and select UPI Circle.
Step 2: Set Up as a Primary User (for the parent)
1. Open the Google Pay app on Parent Phone and tap your Profile picture in the top right.
2. Select UPI Circle from the menu.
3. Tap Set up pocket money on UPI Circle or Add People to your UPI Circle.
4. Search for the contact you want to add (they must be in your phone contacts and have their own GPay account).
5. In UPI Circle of the Child, the QR Code will be present. Scan the secondary user's QR code or enter their UPI ID to link them.
6. Choose Delegation Type:
Full Delegation (Spend with Limits): Set a monthly limit (up to ₹15,000). The user can pay without your approval for each transaction (max ₹5,000 per payment).
Partial Delegation (Approve Every Payment): You must manually approve every request the secondary user initiates.
7. Verify the user's relationship and enter their Government ID number if prompted.
8. Select the Bank Account to be used and enter your UPI PIN to send the invitation.
Step 3: Acceptance by Secondary User/Child
1. The secondary user must open their GPay app and go to Profile > UPI Circle.
2. They must Accept the request within 30 minutes of receiving it.
Step 4: Making a Payment (Secondary User/Child)
1. Scan any merchant QR code or search for a phone number.
2. Enter the amount.
3. Under "Choose account to pay with," select the bank account linked on the UPI Circle.
4. Complete the payment:
- Full Delegation: The payment goes through immediately (within limits).
- Partial Delegation: Tap Request to pay. The primary user will receive a notification and must approve it within 10 minutes using their UPI PIN.
Important Limits:
Monthly Limit: Maximum ₹15,000 per secondary user.
Transaction Limit: Maximum ₹5,000 per single payment.
Cool-off Period: For the first 24 hours after being added, secondary users can only spend up to ₹5,000 total.
Important NOTES:
- In UPI Circle, when the child scans the QR Code of the merchant, the parent's bank will come up as the option. The child can see the limit and the amount left. For eg: If parent has set the limit as ₹1000, and the child has already spent ₹100, it would show ₹900 when the payment is being made.
- There is no PIN concept here. So, basically, the security is the phone lock or biometric on the dependent phone, which will come up, while the child open Gpay. So, the child must ensure that no one else knows the pattern (except the child's close ones).
- Since there is no PIN concept while making payment, it is advisable to keep a small amount like ₹1000, so that it really meets the child's requirement.
Now, this was a use case for me. It might or might not be relevant for many people, but this can be useful for you all !!! I keep sharing interesting things. Hope this helps.
I would request you to share this post widely, so that it helps more people to setup a small UPI payment mechanism for their dependents, without a bank account.
Be responsible. Do it wisely !! Do it, only if required.
Lots of love,
#FI
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Here’s how I only use one candle to trade every single day
Comment “EBOOK” and I’ll send it to you!
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@NitugBhai @AshishMeher7 Which bank is that? I too want to give my son UPI...
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@AshishMeher7 My Kid is having bank account and using UPI for past 2 years.
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@supriyasahuias @wii_india Hope you will keep posting their flight updates
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Since the Amurs have created a mini-sensation with their incredible journey, I did a short Q&A with Dr Suresh from @wii_india who leads this remarkable tracking project. Here are a few fascinating insights
Q. Why do Amur Falcons migrate?
A. Migration is a natural survival strategy. Many species, including the Amur Falcon, move seasonally to escape harsh weather, seek richer feeding grounds, or find suitable breeding habitats. Over evolutionary time, individuals that migrated had higher survival and reproductive success which is why migration persists in certain species even today.
Q. Why is tracking their migration important?
A. Tracking with lightweight electronic tags helps scientists understand the exact routes and flight paths these birds follow, the environmental factors influencing their journey, and the critical stopover sites they depend on. It also helps identify threats along the way from habitat loss to hunting and provides vital insights into how Climate Change is shifting migration patterns worldwide.
Q. How do Amur Falcons survive such long flights without food or water?
A. Before they begin their transcontinental journey, Amur Falcons stop over at select sites in Northeast India, especially Nagaland and Manipur. Their arrival coincides with the mass emergence of termites a rich, high-protein food source. Here, they undergo hyperphagia or intense pre-migratory fattening, building reserves that sustain them through their nonstop oceanic flights where no food or water is available.
Q. Do they take breaks while crossing the sea?
A. No. Amur Falcons are terrestrial birds and cannot land on water. Once they leave the Indian coast, they undertake an uninterrupted flight across the Arabian Sea, a remarkable non-stop journey covering nearly 3000 km.
Supriya Sahu IAS@supriyasahuias
Here is an update - All three satellite-tagged Amur Falcons Apapang (male), Alang (young female) and Ahu (female) are now undertaking their daring Arabian Sea crossing. Apapang has already flown nonstop for 76 hours, covering 3100 km at an average of 1000 km per day, aided by strong easterly tailwinds. From here, the journey becomes even more extraordinary as they head towards Somalia on their epic 3000 km oceanic flight @sureshwii @wii_india #Amurfalcons
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R.I.P McKinsey.
You can now use Perplexity AI to automate market research, competitive analysis, and strategy design for free.
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Rich folks are snagging ₹12 lakh dream cars for just ₹3 lakh... and it's a total game-changer most miss out on! 😲
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He was 15. I was 16. He was in XIth B, I was in XIIth A.
We shared the same bus route, an hour long journey each way where we would talk philosophy, politics, songs and books. He, the shades of evening skies, I carried the hues of dawn. We both, inquisitive and curious beings.
We parted ways as I moved cities to pursue higher cities and back in 90s, there was no internet or mobile to stay in touch.
For years, in an over connected world, I searched for him online : here, on all other platforms but to no success. Last year, in a large school reunion WA group of 1000s people, I took a chance to ask if anyone knows of his whereabouts. One person responded privatelyand connected me to the linkd in profile of a software engineer in Atlanta, US.
I sent him a message and asked of he is who I think he is and he responded with such warmth, recalling our school bus days as one of the fondest childhood memory he holds close to his heart.
Avi is home for Chatth, his parents live 5 minutes away from where I do and he will be meeting his Gayatri Di fir coffee tomorrow, after a gap of thirty two years.
People are not lost forever, those we seek reach us. Somehow.
... The universe finds a way. ❣️✨
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Arun 🇮🇳 ⚓ retweetledi
If Supreme Court indeed accepts Indira Jaisingh’s proposal to legalise sex with 16 year old girls in name of ‘sexual autonomy’ of teens, then school-going girls will be highly sexualised in no time by cartels in media, advertising and entertainment under the new legal cover
We must come together on this issue urgently as hearings start on Nov 12
Please use posts, research and info on this page to flood social media with your views and concerns 🙏
sewanyaya.in/prevent-child-…
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Need a Meal Plan???
I put together a PDF of 21 done-for-you meal plans with a variety of delicious recipes 😋
Plans range from 1200 calories & 120g protein to 3200 calories & 220g protein in 100 calories/5g increments
Comment “21” and I’ll DM you the PDF
Must be following!
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Jupiter’s Transit Timeline in 2025
1. May 14, 2025 – Jupiter enters Gemini (Mithuna Rashi) at 6:50 PM IST.
2. October 18, 2025 – Jupiter moves into Cancer (Karka Rashi) at 5:09 PM IST.
3. November 11, 2025 – Jupiter turns retrograde in Cancer.
4. December 5, 2025 – Retrograde Jupiter re-enters Gemini at 10:08 AM IST.
Rest happens in 2026
Do you all wish me to share the Sign wise predictions. I don't see many responses on the messages. So doubtful whether I should spend my time decoding the effects on each rashi or no .
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7. SON OF SATAN
The SS-18 will be retired as soon and replaced by its successor the RS-28 Sarmat (named after the Sarmatians, a nomadic confederation of tribes that lived on the Steppes). The new missile's NATO reporting name is SS-X-29 or SS-X-30, and is colloquially referred to as Satan II. Bigger than the SS-18, it is a hypersonic missile and will carry hypersonic glide vehicles to make it less detectable by US or space-based sensor systems and could be immune to American missile defense systems.
Britain, don't say you weren't warned. Hubris leads to perdition. You are outclassed in the big boys league. Conserve your dwindling resources to protect your underage girls from your growing parasitic jehadi population.
Ends
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HOW BRITAIN COULD BECOME A PARKING LOT
1. The world's most powerful nuclear missile is the Russian SS-18 nicknamed 'Satan'. Russia has 46 of these monsters. The Satan has 10 independently targetable reentry vehicles, each with enough payload to wipe out an area the size of Texas (667,000 sq km) or three Britains. Entire Britain will melt and resemble a grey flat pancake. Not a blade of grass will be left on the island.
So Englanders, and their Scottish, Welsh and Irish slaves, who are excited to send troops to Ukraine need to sit down and get a reality check.
Read on about the Satan's fearsome power.
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LOSE STUBBORN BELLY FAT
I wrote a comprehensive guide you can use to shed unwanted fat in 8 weeks.
Comment "8" and I'll send you a free copy.
(taking this down in 24hrs. must be following me or you wont receive it)
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what kind of an auto generated pswd is that? Where do I get that character in a keyboard... Crazy... @socialepfo
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6] I know the struggle of not getting the idea of your Indian food Macros, so I have created a sheet with
• Detailed Database of 50+ Indian foods with Protein, Carbs, and fats.
I'll send it to you
• Retweet & Comment Indian Food
Get educated and make better choices
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High-protein meals fuel some of the fittest individuals:
Virat Kohli
Sunil Shetty
Neeraj Chopra
But most people think “protein” is just Daal and Sattu.
Let’s explore high-protein Indian options, why they matter, and how to make them part of your routine: 🧵
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