BHIM introduces UPI Circle Full Delegation to help families and households manage payments within set limits
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NPCI BHIM Services Limited (NBSL), a wholly owned subsidiary of the National Payments Corporation of India (NPCI), today announced the launch of UPI Circle Full Delegation on the BHIM Payments App. This new feature enables users to authorise trusted contacts to make UPI payments from their account within a set monthly limit, streamlining shared and household financial management while ensuring complete transparency and control.
With UPI Circle Full Delegation, a primary user can authorise a secondary user to initiate and complete UPI payments directly from the primary user’s account, according to the press release. "The primary user can set a monthly spending limit of up to ₹15,000 and an expiry duration of up to 5 years. This facilitates smoother daily digital payments among families, dependents, or staff while maintaining clear oversight of all transactions. UPI Circle with Full Delegation promotes financial empowerment by enabling trusted users to participate securely in digital payments without needing a bank-linked UPI ID or bank account."
Lalitha Nataraj, MD and CEO of NBSL, said, “With Full Delegation, UPI Circle moves beyond real-time approvals to enable trusted, autonomous payments within defined limits. It reflects how Indian households and businesses naturally function, grounded in trust, flexibility, and accountability. Through such purposeful features, the BHIM Payments App continues to make digital transactions simpler, safer, and more inclusive for every segment of society.”
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Key use cases:
• Support for senior citizens: Senior citizens can be authorised by a family member to pay independently for small-value transactions. They are often hesitant users of digital payments, and this will help them get onboarded with a trusted level of security.
• Empowering young adults: Parents can allow children to manage their daily or educational expenses through a controlled, delegated access by setting a monthly limit without compromising security.
• Secure delegation in small businesses: Business owners can allow their staff to make payments for operational expenses such as fuel, tolls, among others, ensuring transparency and accountability while eliminating the need to handle cash.
• Assisting digitally inexperienced Users: Working professionals can support dependents less familiar with digital platforms by providing payment access with real-time monitoring, thereby managing day-to-day expenses conveniently.
UPI Circle is now available in the latest version of the New BHIM Payments App (Version 4.0.10) as part of the upgrade, which also includes features such as Split Expenses, Family Mode, Spend Analytics, multilingual support, and a redesigned user experience. BHIM remains committed to its role as Bharat ka Apna Payments App, offering secure, scalable, and inclusive solutions that support India’s digital transformation.