Are you someone who does not have a bank account or still relies financially on your family due to which you are not able to make payments digitally? Well, the National Payments Corporation of India (NPCI) has introduced a new way- UPI Circle that simplifies financial transactions for individuals who may not have a bank account or are hesitant to use digital payment methods.

UPI Circle feature is currently available on BHIM UPI and Google Pay (GPay). This feature allows primary users who have a UPI account to delegate digital payment tasks to trusted contacts such as family or friends. It is useful for individuals who either do not have a bank account or find it difficult to manage digital payments on their own. UPI Circle allows payments to be made through the primary user’s account.

A primary user can add up to 5 secondary users in the UPI circle while each secondary user can only be a part of one UPI Circle at a time. Primary users will be offered two options:

• Partial Delegation– You retain full control, approving each payment request initiated by your secondary user.
• Full Delegation– Set a monthly limit, of up to Rs.15,000, allowing your secondary users to make payments independently within that limit.

This feature is expected to be particularly beneficial for parents providing allowances to children, senior citizens who are cautious about conducting digital transactions, and business owners who need to manage petty cash for their staff. The primary user will have the option to monitor the activity of the secondary users on the app.

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