Key Banking, Pension & Tax Dates

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This is a crucial compliance checklist. Since November is ending, several massive financial deadlines are converging, hitting bank customers, pensioners, and taxpayers all at once. Anyone who misses these dates faces a loss of service, stopped income, or fines.

Here is the quick compliance rundown you need:

Also read| Rent Rules 2025: Deposits Capped at 2 Months; Mandatory Digital Payments.

December Financial Fire Drill: Key Deadlines You Cannot Miss

The November 30th Cut-Offs (TODAY!)

If you haven’t done these yet, you are currently facing immediate issues:

• Pensioners: Life Certificate (Jeevan Pramaan Patra): The deadline to submit this biometric-enabled Aadhaar certificate is November 30, 2025. If you miss it, your December pension will be withheld. It happened.

• SBI Customers: mCASH Service: SBI is discontinuing the mCASH service (used for sending/claiming money without beneficiary registration) on OnlineSBI and YONO Lite after November 30, 2025. You need to switch to UPI, IMPS, or NEFT/RTGS now.

• NPS Members: Switch to UPS: The deadline to opt-in and switch from the National Pension System (NPS) to the Unified Pension Scheme (UPS) is November 30, 2025. This offers benefits like tax exemptions and enhanced retirement provisions.

The December 2025 Tax Deadlines

Taxpayers get a slight reprieve but must still act fast to avoid penalties.

• Tax Audit Cases (ITR Filing): The due date for filing the Income Tax Return (ITR) for taxpayers requiring a tax audit (Assessment Year 2025-26) was extended from October 31 to December 10, 2025.

• Belated ITR Filing: If you missed the original general deadline, you can still file a belated ITR (under Section 139(4) of the IT Act) for FY 2024–25 until December 31, 2025. You might face penalties, but it’s better than nothing.

• PAN – Aadhaar Linking: The final deadline to link your PAN with your Aadhaar card (for those who received a PAN via an Aadhaar enrolment ID before October 1, 2024) is December 31, 2025.

Also read| Rent Rules 2025: Deposits Capped at 2 Months; Mandatory Digital Payments.

Stay compliant. Avoid the headache.

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