Securely Share Your UPI Access: BHIM Introduces ‘UPI Circle’ with Partial Delegation​

In a significant move to enhance digital payment flexibility and inclusivity, NPCI BHIM Services Ltd (NBSL), a subsidiary of the National Payments Corporation of India (NPCI), has launched the ‘UPI Circle’ feature on the BHIM app. This innovative functionality allows users to delegate UPI payment capabilities to trusted individuals, ensuring secure and controlled transactions.​

What is UPI Circle?

UPI Circle enables a primary user to authorize up to five secondary users to initiate UPI payments from their account. Each transaction initiated by a secondary user requires explicit approval from the primary user via their UPI PIN on the BHIM app. This real-time oversight ensures transparency and control over delegated transactions.

Key Benefits

• Empowering Senior Citizens: Family members can assist elderly relatives who may be hesitant or unfamiliar with digital payments, by approving transactions on their behalf.​
• Supporting Young Adults: Parents can allow children to manage daily or educational expenses through controlled, delegated access, ensuring financial responsibility.​
• Facilitating Small Businesses: Business owners can enable staff to initiate payments for operational expenses, such as fuel or vendor payments, maintaining accountability without handling cash.​
• Assisting Digitally Inexperienced Users: Working professionals can support dependents or individuals less familiar with digital platforms by providing secure payment delegation.​

How to Use UPI Circle on BHIM

1. Download the Latest BHIM App: Ensure you have the updated version of the BHIM app installed.​
2. Access UPI Circle: Open the app and navigate to the ‘UPI Circle’ section from the home screen or menu.​
3. Add Secondary Users: Tap on ‘Add Secondary User’ and enter their UPI ID or scan their QR code.​
4. Set Delegation Type: Choose the delegation type as ‘Approve every payment’ (Partial Delegation).​
5. Secondary User Acceptance: The secondary user will receive a request. Once accepted, they can initiate payments, which the primary user approves in real-time.​

UPI Circle represents a step forward in making digital payments more accessible and secure for various user demographics. By allowing controlled delegation, it caters to the needs of families, businesses, and individuals seeking flexible payment solutions.​

Note: This article is based on information available as of April 24, 2025. For the latest updates and features, please refer to the official BHIM app or NPCI announcements.