In a move aimed at strengthening secure and shared digital transactions, the BHIM Payments App has introduced UPI Circle, a feature that allows users to authorise trusted individuals to make payments from their bank account within defined limits. The initiative addresses growing demand for structured payment delegation in households and small businesses.
UPI Circle enables a primary user to add up to five secondary users, allowing them to transact from the primary user’s UPI-linked bank account. The feature allows a monthly spending limit of up to ₹15,000 and an authorisation validity ranging from one month to five years. Secondary users can also generate their own UPI ID under the circle. All transactions remain fully visible to the primary user, ensuring transparency and a clear audit trail. The primary user retains the ability to monitor, adjust permissions or revoke access at any time, eliminating the need to share UPI PINs or passwords.
The feature is positioned as a practical solution for senior citizens, students, working families and small businesses that require shared payment access without compromising security.
In Aizawl, where digital payments are steadily expanding among retailers and small traders, UPI Circle is expected to support shop owners and local operators who authorise staff for fuel, toll and supply payments. With rising smartphone penetration, structured delegation tools may further strengthen trust in digital transactions across the city’s business ecosystem..
