NPCI rolls out UPI Circle: Share payments, keep control

Technology Nov 25, 2025

NPCI just dropped a new feature on the BHIM app called UPI Circle Full Delegation.
Now, you can let trusted friends or family make UPI payments from your account—up to ₹15,000 per month—without handing over your phone or card.
You set the rules for how long they have access, from one month to five years.

How it helps and how to get started

UPI Circle is perfect if you want to help out parents with digital payments, manage kids' spending limits, or let staff handle small business expenses without cash hassles.
To use it, just update your BHIM app, invite people you trust, set their limits, and approve transactions with your UPI PIN.
It's all about making shared money stuff simpler and safer.