PhonePe Introduces UPI Circle in India: Here's Everything You Need to Know

The digital payment system in India is continuing to evolve with several new enhancements and features that remain at the heart of everyday transactions. In this regard, PhonePe has achieved another milestone and introduced a new feature that enhances how users interact with UPI. The company introduced a new feature called UPI Circle that basically simplifies the overall process of payment for those within users’ trusted network.

In this article, we will delve into what is PhonePe UPI Circle, How to Use it, Its Features, and Other Details:

PhonePe UPI Circle Launched in India:

PhonePe introduced UPI Circle in India allowing users to create private groups called ‘Circles.’ After creating this group, users will be able to simplify and manage regular UPI payments with close contacts like friends, family members, roommates, or any other close contact. The feature will allow users to split bills, collect rent, or track shared expenses. UPI Circle brings a more organized and collaborative way to handle group transactions directly through the PhonePe app.

Introducing #UPICircle on #PhonePe, a new way to pay remotely for your loved ones. They simply scan, and you pay for anyone from anywhere.#UPICircleonPhonePe

— PhonePe (@PhonePe) April 15, 2025

Here’s How You Can Use PhonePe UPI Circle: Step-By-Step Guide

STEP1: The first step in using PhonePe UPI Circle is to update your PhonePe from Google Play Store or Apple App store.

STEP2: Now the user will have to open the app and go to the UPI tab displayed on the home screen.

STEP3: Here you have to look for the new “UPI Circle” option and tap on ‘Create’ to get started.

STEP4: The next step is to give your Cicle a relevant name like flatmates, roommates, trip fund, or anything else.

STEP5: After naming it, you can invite your friends or anyone from your contact list who uses PhoenPe. Every member to whom you are inviting will receive a notification to join the Circle.

STEP6: Once everyone has joined, you can start sending or requesting money, splitting bills, and tracking payments—all within your Circle.

STEP7: Additionally, you can also use the Circle dashboard in order to view transactions, history, pending request, and settle balances.

When you use your PhonePe Wallet, only the top up transactions reflect on your bank statements making them clutter free.

Load your Wallet with a Credit or Debit card or Bank account and use it to make payments, while keeping those statements free of all big and small… pic.twitter.com/xKb3SQM0P8

— PhonePe (@PhonePe) April 12, 2025

PhonePe UPI Circle Features:

One of the standout features of newly launched PhonePe UPI Circle is its security and user control. The UPI Circle feature in PhonePe is embedded with enhanced security features and measures. In addition, it has a user friendly interface. This security feature helps in seamlessly conducting the payment process and helps in building safe environment.