The National Payments Corporation of India (NPCI) has introduced the UPI Circle feature on the BHIM app, revolutionizing payment systems in the country. This innovative feature allows primary users to delegate payment authority to secondary users within specified limits, making financial transactions more accessible to individuals without digital expertise or traditional bank accounts. By enhancing financial inclusion, UPI Circle aims to reduce dependence on physical currency and enhance transparency in monetary transactions for both households and enterprises. This structured approach ensures secure and supervised payments, promoting a seamless and efficient financial ecosystem in India.