BHIM UPI Circle Full Delegation: Limits and Features
Why in the news
BHIM extended UPI Circle to draw more people into digital payments.
Key facts
- A primary user authorises a secondary user to spend from the primary’s bank account.
- No per-payment approval; all transactions visible to the primary user.
- Benefits: inclusion for seniors and hesitant users, easier household payments, controlled spending.
Purpose
- Bring new users into the real-time payments ecosystem.
- Let parents, elders or employers hand over routine payments safely.
Exam angle
- Limit ₹15,000 monthly; period 1 month to 5 years.