UPI Circle on BHIM App: How to enable UPI circle? Check benefits, features, and other details to give financial freedom to your dear ones
Now, a parent can easily manage their kids' expenses, senior citizens can enjoy digital payments without stressing about online transactions, corporate employees who are tied up in a 9-5 job can let their household help pay for groceries, and business owners can simplify petty cash management for staff. Let's find out how UPI Circle can make life simpler.
UPI has turned out to be the most preferred payment method for users who are accustomed to digital payments. But there are some users who still rely on cash for their daily payment needs, maybe because they do not manage their money through their account, or there may be other personal reasons that stop them from using digital payments, but not anymore. The introduction of the UPI circle will address these unfulfilled needs. NPCI BHIM Services Limited (NBSL), a subsidiary of National Payments Corporation of India (NPCI), launched UPI Circle that lets users safely give UPI access to trusted family members, friends, or others without sharing sensitive information.
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What is UPI circle?
UPI Circle is a feature where a UPI user acts as a primary to link with their trusted secondary users on their UPI App for either partial or full access. The primary user can authorise a trusted secondary user to perform transactions within the security protocols/ limits.
UPI Circle on BHIM App
In the UPI circle, each transaction initiated by the secondary user in the new BHIM app requires specific confirmation from the primary user through their UPI PIN. The new BHIM app allows the primary user to see all secondary user transactions in real time, ensuring openness and oversight.
What are benefits of UPI circle?
Efficient Financial Management: UPI Circle streamlines the process of managing household budgets, allowances, and other financial duties towards your family, friends, and trusted ones.
Complete Control on BHIM: With UPI Circle, you decide the level of control you want. Choose between approving each transaction or setting spending limits.
Secure and User-Friendly: Whether you are a parent, partner, or caregiver, this feature simplifies financial management while safeguarding your funds.
Can you set a limit on how much a secondary user can spend?
Yes, under full delegation, the Primary user authorises a secondary user to initiate and complete UPI transactions as per defined spend limits. Whereas under Partial Delegation, the Primary user authorises the initiation of payment requests from secondary users, the Primary user shall complete the UPI transition with the UPI PIN.
Do secondary users need their own bank account to use UPI circle?
No, secondary users don't necessarily need their own bank accounts linked to UPI to use UPI Circle. The feature allows primary users to delegate access to trusted individuals, managing transactions from the primary user's account.
Who can use UPI Circle?
Any UPI user can securely give payment access to trusted people using UPI Circle, with limited control for them.
How many users can be delegated?
A primary user can delegate to up to 5 secondary users.
A secondary user can accept delegation from only 1 primary user.
How to link a secondary user?
The primary user can link a secondary user by:
Scanning the QR code or entering the UPI ID.
Selecting the contact number from the contact list.
What security measures are in place for UPI circle?
Primary and secondary users have separate experiences on UPI apps.
Secondary users must use app passcodes or biometrics (finger/face) for added security.
What are transaction limits for UPI circle?
Full Delegation:
Maximum monthly limit: Rs 15,000 per delegation
Maximum per transaction limit: Rs 5,000
Partial Delegation: Existing UPI limits apply
Cooling Period (First 24 hours): Daily transaction limit of Rs 5,000 for both full and partial delegation.
How to enable UPI Circle on BHIM?
Download the New BHIM app (Version 4.0.2) from the Play Store or App Store
Open the BHIM app and go to the UPI Circle section from the home screen or menu
Tap on ‘Add Secondary User’ and enter their UPI ID or scan their QR code
Select the delegation type as “Approve every payment” (Partial Delegation).
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.