BHIM, through its parent entity NPCI BHIM Services Ltd (NBSL) introduced the “full delegation” version of UPI Circle, enabling primary account-holders to authorize trusted secondary contacts to make payments on their behalf.

Key Highlights

• BHIM’s full UPI Circle delegation allows secondary users to make payments independently within preset monthly limits.
• New feature aims to increase UPI adoption among seniors, youth, and digitally inexperienced users across India.

Under this scheme, each primary user can designate up to five secondary users. These secondary contacts don’t necessarily need to have a bank account of their own; they must simply be registered on BHIM with a valid virtual payments address (VPA). Payments initiated by secondary users draw funds from the primary user’s account. Importantly, such delegated payments are capped at a monthly limit of ₹ 15,000 per primary account.

According to Lalitha Nataraj — Managing Director and CEO of NBSL, this move is expected to bring more people into the UPI ecosystem, especially demographics that are currently underrepresented. For example, seniors who may be uncomfortable managing digital payments, or younger family members who only need limited access (for pocket money, daily expenses, etc.) can now be part of the system in a controlled, secure way.

With the full delegation feature, the need for real-time approval (as required under “partial delegation”) is removed. That is, once secondary users are authorised and the limit is set, they can transact without each transaction having to be separately approved by the primary user. This makes routine payments — like household expenses, small business purchases, or children’s allowance — easier and more seamless.

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More UPI apps besides BHIM are expected to roll out full delegation support in the coming months, helping the broader adoption of UPI Circle across India.

In short, this update builds on the original 2024 launch of UPI Circle (which offered “partial delegation,” requiring the primary user’s approval for every transaction), offering a more flexible and user-friendly alternative for those who trust certain family members or associates and want to share payment capabilities in a controlled manner.