UPI has transformed the way India pays. From small groceries to hospital bills, every type of transaction is now possible within seconds using digital payment apps. However, even though UPI is widely adopted, not everyone finds it easy to use digital payment apps. Senior citizens, people stuck due to illness or disability, children, and even busy professionals often struggle to perform day-to-day payments independently.
To solve this real-world problem, the BHIM App has introduced a new feature called “UPI Circle Full Delegation.” This innovative feature allows a primary user to authorise trusted people — such as family members, caregivers, or staff — to make UPI payments on their behalf, while still maintaining complete safety and spending control.
This new facility is designed to make digital payments more inclusive, convenient and supervised, especially for households and dependents.
What Is UPI Circle Full Delegation?
UPI Circle Full Delegation is a feature inside the BHIM Payments App that enables a primary user to delegate payment rights to another trusted person. The trusted person can then make UPI payments from the primary user’s bank account, but only within the limits and permissions defined by the primary user.
This is different from simply sharing a phone or PIN. Here, the trusted person gets payment rights without accessing confidential details like UPI PIN, account settings or OTPs.
Why Was This Feature Introduced?
Even though digital payments are everywhere, many people still need support. Major challenges include:
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Senior citizens are not comfortable using smartphones or remembering PINs
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People with disabilities or illness depend on others for daily payments
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New users fear making mistakes or becoming victims of fraud
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Patients during hospitalization cannot manage payments themselves
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Busy professionals want someone to handle household payments
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Small business owners need safe petty-cash management by staff
UPI Circle Full Delegation solves these daily difficulties while ensuring safety, transparency and control.
How Does UPI Circle Full Delegation Work?
The working concept is simple and secure.
💠 The primary user selects a trusted person
💠 Sets a monthly spending limit
💠 Chooses a validity period
💠 Confirms with UPI PIN
💠 The trusted person can now make payments
But the trusted person:
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Cannot access the primary user’s UPI PIN
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Cannot change bank account or profile settings
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Cannot exceed spending limits
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Cannot disable oversight
This makes the feature safe for families and dependents.
Step-by-Step Process to Enable UPI Full Delegation on BHIM App
Follow these steps inside the BHIM App:
✔ Step 1 — Install or update the BHIM App
Download or update to the latest version supporting UPI Circle.
✔ Step 2 — Open “UPI Circle”
Tap the menu option titled “UPI Circle.”
✔ Step 3 — Add a Trusted Person
Enter their mobile number / UPI ID or scan QR.
✔ Step 4 — Select “Full Delegation”
Choose the Full Delegation permission level.
✔ Step 5 — Set Delegation Controls
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Monthly spending limit
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Validity period (months or years)
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Bank account to be debited
✔ Step 6 — Confirm Setup
Complete the authorization using your UPI PIN.
Once the trusted person accepts the request, Full Delegation becomes active.
Who Will Benefit the Most From This Feature?
👵 Senior Citizens
Older people often find apps confusing or fear making mistakes. Delegation allows a family member to manage payments safely without giving full bank access.
♿ People With Disabilities or Illness
Payments can still be handled smoothly when mobility or health prevents app usage.
👧 Children / Young Adults
Parents can allow controlled digital spending — teaching money management responsibly.
🏠 Families & Households
Spouses or helpers can pay for daily household needs without phone sharing.
🧾 Small & Home-Based Businesses
Owners can delegate petty-cash payments to staff while keeping full transparency.
👨💼 Busy Working Professionals
Useful for people who travel frequently and need someone to handle daily expenses.
UPI Circle Full Delegation gives convenience to dependents and peace of mind to the main account holder.
Key Features of UPI Circle Full Delegation
| Feature | Benefit |
|---|---|
| Trusted person selection | Payments only by chosen individuals |
| Spending limit | Avoids misuse and overspending |
| Validity period control | Auto-expiry for safety |
| Full transparency | Transaction history visible to primary user |
| Remove access anytime | One-tap security |
| No PIN sharing | Prevents fraud |
| Works only inside BHIM | Protected digital environment |
These controls make digital payments safe and structured, especially inside families.
Security and Fraud-Protection Measures
Security has been built into the system from the beginning:
🔒 PIN is never shared with the secondary user
🔒 Only payments allowed — not bank settings or withdrawals
🔒 Payment limits prevent misuse
🔒 Validity period avoids long-term risk
🔒 Full transaction visibility to primary user
🔒 Permission revocable anytime with one tap
The feature is designed to support trust without compromising safety.
Pros and Cons of UPI Circle Full Delegation
| Pros | Cons |
|---|---|
| Helps elderly, disabled and dependents | Monthly limit may not cover high expenses |
| No need to share PIN or phone | Available only on BHIM (currently) |
| Transparent and secure | Both users must install BHIM |
| Reduces cash handling | Needs initial digital setup |
| Perfect for households and business | Delegation may confuse very new users at first |
The benefits are strong for families, dependents and business scenarios.
Real-Life Use Cases
🏠 A son pays household bills on behalf of senior parents
👩⚕ A caregiver pays for medicines and essentials for a patient
📚 Parents allow children to pay for school and travel within limits
🏪 A shop owner delegates daily vendor payments to staff
✈ A husband/wife manages payments during partner’s travel schedule
In all these situations, convenience + safety + transparency make Full Delegation practical.
Future Scope and Expected Improvements
In the future, the feature may expand further, such as:
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Allowing Full Delegation across other UPI apps
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Increasing monthly spending limits
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Multiple delegated users within families
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Delegation specifically for business teams
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Real-time spending analytics for households
These developments can make the feature even more useful over time.
Conclusion
The UPI Circle Full Delegation feature on the BHIM App is an important milestone for India’s digital payment ecosystem. It enables families, senior citizens, dependents, and small businesses to manage payments smoothly and safely — without sharing phones, PINs, or bank credentials.
With controlled spending limits, transaction transparency and complete control over permissions, Full Delegation reflects how digital payments are evolving to include every generation and every lifestyle.
By combining trust, safety, and convenience, UPI Circle Full Delegation makes digital payments more human, more practical and more inclusive than ever.
Frequently Asked Questions (FAQ)
1. What is UPI Circle Full Delegation on the BHIM App?
UPI Circle Full Delegation is a feature that allows the primary BHIM user to authorise trusted people to make UPI payments on their behalf while maintaining full spending control and transaction visibility.
2. Is it safe to use the Full Delegation feature?
Yes. It is very safe because the primary user does not need to share UPI PIN, OTP or bank credentials with the delegated person. Spending limits and permissions protect against misuse.
3. Who can be added as a delegated user?
You can add any trusted person, such as family members, children, caregivers, or staff members. It is recommended to add only people you can rely on.
4. Can I set a spending limit for the delegated user?
Yes. You can set a monthly spending limit while activating UPI Circle Full Delegation, ensuring that payments stay within controlled boundaries.
5. Can the delegated user see my bank balance or UPI PIN?
No. The delegated user can only make payments. They cannot view bank balance, UPI PIN, account details or change app settings.
6. How can I remove or revoke delegation if needed?
You can instantly remove access from the UPI Circle section in the BHIM App. Once revoked, the delegated user cannot make any further payments.
7. Does the delegated user need their own bank account?
No. The delegated person only needs the BHIM app installed and a registered mobile number. Payments will be made from the primary user’s bank account.
8. Can I add multiple trusted people under Full Delegation?
Currently, delegation works for one trusted user at a time. The feature may support multiple delegated users in future updates.
9. Is this feature useful for senior citizens?
Yes. It is extremely useful because senior citizens can allow family members to handle digital payments on their behalf safely, without sharing their mobile phone or PIN.
10. What happens when the validity period or spending limit is reached?
Once the set validity expires or the spending limit is reached, the delegated user will not be able to make further payments unless the primary user renews or updates the delegation settings.
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