BHIM Unveils Full Delegation to Expand UPI Circle Access and Grow User Base

BHIM has introduced a full delegation feature on UPI Circle. It lets one person permit another to carry out UPI transactions from their bank account. As per news reports, the change targets users who rely on someone else to handle their digital payments. UPI, managed by NPCI, has more than 450 million registered users across the country. 

Rules, Limits and Access 

A primary account holder can allow up to 5 secondary users to make payments. Each secondary user can spend up to ₹15,000 a month. The secondary user does not need their own bank account but must be registered on BHIM with a valid virtual payment address. The primary user can set the duration of access, which can continue for as long as five years. 

All transactions made through this delegated access will appear in the primary user’s bank records, marked as UPI Circle payments. 

Everyday Use of UPI Circle  

The feature can help in situations where children, older adults, or household members handle small purchases. Businesses that send workers to make routine payments may also choose to assign limited access. It offers restricted spending without sharing login details or PINs. The existing partial delegation option, which requires approval for each transaction, will continue alongside the full version. 

Setting up Full Delegation on BHIM 

The feature can be activated in the UPI Circle section of the app. The primary user must invite the secondary user using their contact or UPI ID, verify their details, select full delegation and set a monthly limit. After the secondary user accepts and a brief waiting period is completed, they can begin making payments within the assigned amount. 

UPI Circle was launched in 2024. In the same year, NPCI created NPCI BHIM Services as a separate subsidiary to manage products linked to the BHIM platform. The organisation has said that credit card distribution, beginning with RuPay cards, will be introduced soon. 

Read More: UPI Payments Through Securities Platforms Decline for Fifth Month, Drop 8.6% YoY! 

Conclusion  

BHIM has recorded higher activity this year, with transactions rising from 38.9 million in January to 135.90 million in October 2025, and transaction value increasing from ₹9,604.24 crore to ₹20,026 crore. 

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