I activated the UPI Circle feature on the BHIM app & the process was quite simple. After clicking on the UPI Circle option, you just need to enter the beneficiary's BHIM UPI ID & choose the access type either "Spend with Limits" or "Approve Every Payment."
I opted for the "Spend with Limits" option, where you can set spending limits up to ₹15,000. Once the limit is set, the beneficiary receives a notification to either accept or decline the request.
Once the beneficiary accepts, they will see the option to use the primary account holder's UPI ID when making a payment. If they choose this option, there’s no need to enter the UPI PIN.