How does UPI Circle work

UPI Circle allows a Primary User (the account holder) to delegate payment authority to up to five Secondary Users (e.g., family) to transact from the same bank account.\nThe Primary User controls access and can set limits, choosing between:\n

• Full Delegation: Secondary Users pay independently within a set monthly limit (typically ₹15,000).\n
• Partial Delegation: Primary User must approve every payment with their UPI PIN.