This year, NPCI also introduced UPI circle, which allows a primary, or main UPI user to fully delegate, or authorise up to five secondary users (partial delegation) to make transactions from the bank account of the primary user. The main user can set limits on transactions as well. Every fully delegated user can spend a maximum of Rs 15,000 per month, and Rs 5,000 per transaction. In partial delegation, the primary user inputs the UPI pin to complete the transaction initiated by the secondary user.
