Archive · 25 Nov 2025
NPCI Launches UPI Circle Full Delegation on BHIM App
The NPCI BHIM Services Limited has added a new feature called UPI Circle Full Delegation to the BHIM Payments App.
This feature lets you give trusted people like family members or staff permission to make payments from your account up to a certain limit each month.
You can set a monthly spending limit of up to Rs 15,000 and choose how long the permission lasts, up to five years.
This makes it easier for families and small businesses to manage money, especially for people who might not be comfortable using digital payments.
The feature is part of the latest version of the BHIM App, which also includes other new tools like Split Expenses and Family Mode.
The feature is designed to support senior citizens and young adults by providing a secure, controlled way to manage everyday digital transactions without losing oversight.
It also helps small businesses by allowing owners to delegate spending authority to staff for operational needs.
NPCI BHIM Services Limited launched UPI Circle Full Delegation on the BHIM Payments App.
Users can authorize trusted individuals to make UPI payments from their account within a fixed monthly limit of Rs 15,000.
The primary user can set a validity period of up to five years for the delegation.
The feature aims to simplify shared financial responsibilities and make digital payments more accessible, supporting senior citizens, young adults, and small businesses.
The latest version of the BHIM App (Version 4.0.10) also includes new features like Split Expenses and Family Mode.
- Who
- NPCI BHIM Services Limited (NBSL)
- What
- Launched UPI Circle Full Delegation feature on BHIM Payments App
- When
- Tuesday (specific date not mentioned)
- Where
- New Delhi
- Why
- To make shared financial responsibilities easier and more accessible, supporting senior citizens, young adults, and small businesses
Proponents of UPI Circle Full Delegation
Potential Critics of UPI Circle Full Delegation
Financial Independence for Seniors and Young Adults
Proponents of UPI Circle Full Delegation
The feature empowers senior citizens and young adults to make independent UPI payments, easing technological hurdles and instilling responsible financial habits.
Potential Critics of UPI Circle Full Delegation
Some may argue that this feature could lead to misuse if proper oversight is not maintained, potentially resulting in unauthorized transactions.
Business Efficiency
Proponents of UPI Circle Full Delegation
Small business owners can delegate spending authority to staff, streamlining expense tracking and reducing cash handling.
Potential Critics of UPI Circle Full Delegation
Critics might express concerns about the potential for internal fraud or misuse of funds by delegated staff members.
- Organization
- NPCI BHIM Services Limited (NBSL)
- Feature Name
- UPI Circle Full Delegation
- App Name
- BHIM Payments App
- Monthly Spending Limit
- Rs 15,000
- Validity Period
- Up to 5 years
- App Version
- 4.0.10
- CEO of NBSL
- Lalitha Nataraj
