Bengaluru: NPCI BHIM Services Limited (NBSL), a wholly owned subsidiary of the National Payments Corporation of India (NPCI), today announced the introduction of UPI Circle Full Delegation on BHIM Payments App. This new feature allows users to authorise trusted contacts to make UPI payments from their account within a predefined monthly spending limit, simplifying shared and household financial management while maintaining 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 primary users’ account. The primary user can set a monthly spending limit up to ₹15,000 and an expiry duration up to 5 years. This enables smoother day-to-day digital payments among families, dependents, or staff while maintaining clear oversight of all transactions. UPI Circle with Full Delegation promotes financial empowerment by allowing trusted users to participate securely in digital payments without needing their own bank-linked UPI ID or bank account.
Lalitha Nataraj, MD & CEO, 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.”