ARTICLES

NPCI BHIM Services Limited (NBSL) has rolled out UPI Circle Full Delegation on the BHIM app, letting users allow trusted contacts to make UPI payments on their behalf for up to ₹15,000. This feature is set to benefit senior citizens who hesitate with digital payments and young adults who need safe, parent-controlled access for daily or education expenses. It streamlines joint and family financial handling, ensuring complete clarity and oversight.

How it works?

With UPI Circle Full Delegation, a primary user can let a secondary user make UPI payments from their account. The primary user can fix a monthly limit of ₹15,000 and set the delegation to last for up to 5 years.

This BHIM feature enables smoother daily digital payments for families, dependents, and small business staff while maintaining clear oversight. With Full Delegation, trusted users can make secure payments without needing their own bank-linked UPI ID or account.

Key features

• Support for Senior Citizens: Family members can authorise seniors to make small payments independently, helping them adopt digital payments securely.

• Empowering Young Adults: Parents can let children manage daily or educational expenses with controlled, limited access.

• Secure Delegation in Small Businesses: Owners can allow staff to pay for operational costs like fuel or tolls, ensuring transparency without handling cash.

• Assisting Digitally Inexperienced Users: Professionals can provide dependents with monitored payment access for convenient day-to-day expense management.

UPI Circle Full Delegation on BHIM empowers seniors, young adults, small businesses, and digitally inexperienced users to make secure, controlled payments, simplifying daily financial management while ensuring transparency and oversight.