(Nu leh Pa leh Fa inkara Pawisa Inpek Dan Thar)
Er. Chhungpuia Renthlei
Senior Technical Officer, NIELIT Aizawl
Digital Pocket Money chu enge ni?
Digital Pocket Money chu UPI Circle hmanga nu leh pa ten an fate sum hman tur an pekna leh an enkawlna atan bik liau liau a Google Pay feature pakhat a ni. Google Pay pangngai aia a danglamna chu Parent Control hi a ni. Nu leh pa chuan an fate thla khat chhunga hman theih zat (Monthly Limit) an siam thei a, payment tin an approve hmasa thei bawk. 2016 ah India-ah UPI system a lo piang a. 2017 ah Google chuan Tez app a tlangzarh. 2018 ah Tez hming chu Google Pay (GPay) tiin an thlak. 2024 ah NPCI chuan UPI Circle atan hman a remti. April 2026 ah Google Pay chuan UPI Circle hmangin Digital Pocket Money feature a tlangzarh . Digital Pocket Money system ah hian pawisa thawntu (Nu/Pa) hi Primary User an ti a, pawisa dawngtu ( fa) hi secondary User an ti. Transaction history a awm vek bawk vangin nu leh pa ten an fate sum hman hun leh an hman zat an hmu thei a a tangkai hle.
Entirnan, Champuia kum 15 mi chu school bus fare leh tiffin eina atan thla khat ₹1,500 hmang tur a nei tih ang. A pa chuan Google Pay-ah Profile → Set up Pocket Money hmangin a fapa chu a belh ang. Monthly Limit ₹1,500 a siam hnuah, Champuia chuan QR Code, phone number emaw UPI ID hmangin payment a ti thei ang. Payment zawng zawng chu a pa bank account atangin a kal ang a, notification pawh a pa phone-ah a thleng zel ang.
Hmang ve tura thil tul te:
Primary User (Pawisa thawntu) tan: Google Pay account active. Google Pay app version thar (updated). Mobile number bank account leh Google Pay nena link. Internet connection chak tha. Secondary User (fa) phone number a contact-a save.
Secondary User (Pawisa dawngtu) tan: Smart phone leh active Mobile No.Google Pay app install leh register. Primary User Pocket Money invitation accept. Tun dinhmun (June 2026)ah bank account leh Debit/ATM Card neih kher a ngailo.
Primary User pakhatin Secondary User mi 5 thleng a siam sak thei. Mahse Secondary User hi Primary User pakhat chauh hnuaiah a awm thei. Nu leh pa ten a fa pakhat a rualin an siam sak thei lo.
Monthly limit:
Duh zat zat a pek theih loh. Monthly Limit hi Secondary User pakhat atan mumal tak siam a ni. Tun dinhmun (June 2026) ah chuan a tlem ber (Minimum) ah ₹, atam ber (Maximum) ah ₹15,000 a siam theih. Primary User pakhatin Secondary User mi 5 a siam sak a nih chuan, limit hran hran a siam thei a, limit chu engtik lai pawhin siamthat (increase/decrease) theih a ni. Duthusamah chuan Primary School: ₹500–₹1,000. High School: ₹1,000–₹3,000 College: Mamawh dan a zirin ₹3,000–₹15,000
Payment Mode :
Digital Pocket Money ah hian Payment Mode pahnih a awm:
1. Monthly Limit (Full Delegation) : Hei hi Hman lar bera ni. Nu/Pa chuan thla khat chhunga hman theih zat (Limit) entirnan ₹2,000) a siam ang. Fate nu leh pa te approval nga tawh lovin limit chhunga payment a duh hun hun in a hmang thei. Payment zawng zawng notification chu nu/pa phone-ah a thleng reng ang.
2. Approve Every Payment (Partial Delegation): Approve hmasak phawt loh chuan payment a tih theih loh. Fa chuan payment a tih hma in Request to Pay a thawn ang. Nu/Pa ten phone-ah notification an dawn ang a, an lo Approve ang. Hemi hnuah chauh payment a tih theih ang.
Engzawk hi nge tha zawk?
Secondary User kum leh mawhphurhna a zirin a danglam. Monthly Limit hi Kum tling deuh (college, senior school) leh sum hmang mawhphurhna nei tawh fate tan a tha zawk. A awlsam a, nu/pa approve reng a ngai lo. Approve Every Payment hi Kum naupang (primary school, middle school) emaw, digital payment thar hmang tan a him zawk. Nu/Pa chuan payment tin an endik thei. Monthly Limit a hi hman lar ber a ni, Approve Every Payment erawh chu sum hmang tam lo leh naupang deuhte tan a him ber a ni.
Mizo Society atan a tangkaina:
Mizoram-ah QR payment a lar hle tawh. Grocery shop, taxi, canteen leh restaurant tam takah GPay an hmang mek. Chutiang khawvelah Digital Pocket Money hian hostel-a awmte, tuition kalte, school zirlai leh college student-te tan a tangkai hle ang. Nu leh pa chuan cash pe kual lovin, an fa sum hman dan an hmu thei reng a, an fate pawhin sum hman mawhphurhna an zir thei ang. India-ah Digital Pocket Money hi financial discipline zirtirna atan an hmang nasa mek a. April 2026 khan India ramah UPI transaction 22.5 billion a tling a, kum 2025 nena khaihkhinin 25% vel zetin a pung. Hei hian digital payment hmangtu an pung chak hle tih a lantir.
Fimkhur tulna:
Technology dang ang bawkin hman sualna a awm thei. OTP leh GPay PIN mi dang hrilh, fake QR Code scan, scam link click, fake customer care ring leh phone mi dang hman phalsak te hi a hlauhawm hle. India-ah UPI fraud leh digital identity theft te chu Bharatiya Nyaya Sanhita (BNS) leh Information Technology Act, 2000 hnuaiah hrem theih an ni. Case a zirin pawisa chawi leh lung in tan theih a ni. Chuvangin, screen lock leh GPay PIN humhim reng tur, OTP tu hnenah mah hrilh loh tur, Gpay update thar hman leh payment notification ngaihven reng tur. Public Wi-Fi hmanga payment tih leh hriat loh QR Code scan loh tur a ni.
A tawp berah, Digital Pocket Money hi pawisa transfer app mai a ni lo. Nu leh pa leh fa inkara financial discipline, financial literacy leh digital payment hman dan dik zirtirna hmanraw thar a ni. Kan faten dik leh awmze nei taka an hman chuan digital khawvelah pawisa hmanna kawngah fing takin an lo puitling thei ang a, chhungkua pawhin pawisa hman dan him leh felfai zawk kan kalpui thei ang.
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