UPI Circle is a new feature that allows a primary user to authorize a secondary user to make UPI transactions from the primary user's bank account
Any UPI user who wants to securely delegate payment access can use UPI Circle to authorize trusted individuals with limited control.
The main benefits include broadening UPI usage across different demographics, providing financial access to those without bank accounts, and offering supervised spending for those who need it.
The primary user has full control over who can access their account for UPI transactions. They can set monthly transaction limits and monitor all transactions.
Yes, under Full Delegation, the primary user can set a maximum monthly spending limit for the secondary user. Maximum limit of ₹15000 is allowed
Despite allowing access, the primary user maintains oversight of transactions and can revoke access at any time.
No, even users without bank accounts linked on UPI can use UPI Circle feature to make payments.
Yes, the primary user can monitor all transactions made by their secondary user
It makes it easier for family members or dependents to manage expenses without requiring access to the primary user's entire bank account.
Yes, the primary user can revoke monthly limits given to their secondary user at any time
Yes, secondary user can make all types of transactions via UPI Circle.
Customized monthly limits for each secondary user are possible under full delegation.
Please refer UPI Circle | NPCI on NPCI website to see live apps and banks that support this feature
Yes, under Full Delegation, per transaction limit is ₹5000 and under partial delegation, daily UPI limits of the primary user shall be available for the secondary user
A primary user can have maximum 5 secondary users, and one secondary user can have maximum one primary user.
Yes, there is a cooling period of ₹5000 for the first 24 hours after linking with a primary user
A primary user can modify monthly limits given to their secondary user at any time
Yes, under full delegation the secondary will have option to request the primary to pay as well.
Under partial delegation, primary user must approve every transaction requested by their secondary.
Full delegation allows the secondary user to make UPI payments independently with the authorised monthly limit provided, while partial delegation limits action and requires primary user's approval for every payment. Each mode offers varying control and security levels.
Under full delegation, primary shall authorize the secondary user to a monthly limit of maximum ₹15000. Secondary user shall make payments using the authorized limit. Primary user is notified after every transaction.