Your parents, family members can use your UPI for payments via UPI circle: Know how to use it on BHIM app
NPCI
BHIM Services Limited (NBSL), subsidiary of the National Payments Corporation of India (NPCI), announced the launch of
UPI Circle
. This feature allows users to safely delegate UPI access to trusted individuals—such as parents, children, or other family members—without compromising security.
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What is UPI Circle?
UPI Circle enables a primary user, or the UPI account holder, to authorize up to five secondary users to initiate
UPI payments
from their account. Each transaction initiated by the secondary user in the new
BHIM app
requires specific confirmation from the primary user via their UPI PIN. The new BHIM app allows the principal user to see all secondary user transactions in real time, ensuring openness and oversight.
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UPI Circle promotes financial inclusion by allowing people without a UPI-linked bank account to request payments from a trusted user, who can approve the transaction in real-time within the new BHIM app.
How to use UPI Circle on BHIM
Step 1: Download the New BHIM app (Version 4.0.2) from Play Store or App Store
Step 2: Open the BHIM app and go to the UPI Circle section from the home screen or menu
Live Events
Step 3: Tap on 'Add Secondary User' and enter their UPI ID or scan their QR cod
Step 4: Select the delegation type as 'Approve every payment' (Partial Delegation)'
Step 5: The secondary user will receive a request. Once they accept the invite, they can start making payments using the primary user's account and request their primary to approve payments in real-time through the BHIM app.
How does UPI Circle benefits senior citizens?
Senior citizens can be authorised by a family member who will approve every payment on their behalf. They are often hesitant users of digital payments and this will help them get onboarded with a trusted level of security.
How does UPI Circle benefit young adults?
Parents can allow children to manage their daily or educational expenses through controlled, delegated access, and real-time approval without compromising security.
Important FAQs from NPCI on UPI circle
What is UPI Circle?
UPI Circle is a new feature that allows a primary user to authorize a secondary user to make UPI transactions from the primary user's bank account.
Who can use UPI Circle?
Any UPI user who wants to securely delegate payment access can use UPI Circle to authorize trusted individuals with limited control.
What are the main benefits of UPI Circle?
The main benefits include broadening UPI usage across different demographics, providing
financial access
to those without bank accounts, and offering supervised spending for those who need it.
Can I set a limit on how much the secondary user can spend?
Yes, under Full Delegation, the primary user can set a maximum monthly spending limit for the secondary user. Maximum limit of Rs 15000 is allowed.
Do secondary users need their own bank accounts to use this feature?
No, even users without bank accounts linked on UPI can use UPI Circle feature to make payments.
Are there any transaction limits for UPI Circle?
Yes, under Full Delegation, per transaction limit is Rs 5000 and under partial delegation, daily UPI limits of the primary user shall be available for the secondary user.
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