These 15 rules will change from October 1st

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Rule Change : Usually, many rules change on the first of every month. Similarly, many rules are changing starting October 1st. This time, these changes are taking place before Dussehra. Therefore, it is very important to know about these rules before the festival, lest you regret it later.

Rule Change : This new month is about to begin with several important changes. Some rules are changing, which are crucial to be aware of. Even the slightest mistake could lead to significant losses. These rules will directly impact the financial planning and daily lives of ordinary citizens. These changes relate to rules related to online gaming, train tickets, interest rates, UPI, and even pension schemes. Let’s explore the rules that will be implemented next month.

1 – LPG Cylinder Price Change
LPG cylinder prices are set to change starting October 1st. Oil marketing companies typically revise the prices of LPG, CNG, and jet fuel on the first of every month. For some time now, companies have revised the price of commercial cylinders (19 kg), while domestic cylinder prices have remained unchanged. In cities like Delhi, Mumbai, Kolkata, and Chennai, the price of these cylinders has remained unchanged since April 8, 2025.

2 – Changes in Train Ticket Booking
The Railways has made some changes to the ticket booking rules. According to the new rules, only those whose Aadhaar card has been verified will be able to book tickets online within 15 minutes of the reservation opening. Previously, this rule applied to Tatkal ticket bookings, but now it will be mandatory for general reservations as well. This rule will come into effect from October 1. However, there will be no change in the time or process for those purchasing tickets from computerized PRS counters.

3 – This UPI feature will be discontinued
From October 1, the ‘Collect Request’ or ‘Pull Transaction’ feature of UPI will be discontinued. This means that the option to directly request money from a friend or relative will no longer be available on UPI apps. NPCI has stated that this will prevent cases of online fraud and phishing.

4 – Transaction limits through UPI will increase.
Up to ₹5 lakh (approximately ₹500,000) can now be transacted through UPI at a time. Previously, this limit was ₹100,000 (approximately ₹100,000). This will benefit real estate, e-commerce, and business transactions.

5 – UPI Auto-Pay Launched
UPI Auto-Pay will now be available for services like subscriptions and bills. This will provide a notification for every auto-debit. Users can change or cancel the settings at any time.

6 – Changes to NPS
The minimum monthly contribution to NPS will be increased from Rs. 500 to Rs. 1,000. This change will strengthen retirement funds in the long term.

7 – New Tier System in NPS

NPS will now have Tier-1 and Tier-2 options.

Tier-1: Retirement-focused and tax-benefit-oriented.

Tier-2: Flexible options, no tax benefits.

8 – Pension Scheme Changes
New rules related to NPS (National Pension System), Atal Pension Yojana, and NPS Lite will come into effect from October 1st. The Pension Fund Regulatory and Development Authority (PFRDA) has revised the fees related to CRA (Central Recordkeeping Agency). Government employees will now have to pay ₹18 for the e-PRAN kit when opening a new PRAN (Permanent Retirement Account Number). The fee structure has also been simplified for NPS Lite subscribers.

9 – Option to Invest in 100% Equity
Until now, there was a limit on equity (stock market) investment in NPS. However, from October 1st, 2025, non-government subscribers will be able to invest their entire corpus (100%) in equities. This could offer users the opportunity to earn higher returns. However, there will be risks involved as the stock market is highly volatile.

10 – Multiple Scheme Framework (MSF)
Until now, investors could only operate one scheme under a single PRAN (Permanent Retirement Account Number). However, with the new rules, investors will be able to operate schemes from different CRA (Central Recordkeeping Agency) under a single PRAN. This will provide greater choice and convenience for investors.

11 – Changes in Online Gaming
All online gaming platforms will now be required to obtain a valid license from MeitY. This will help ensure security, transparency, and fraud prevention in the gaming industry. The minimum age for participating in online real-money gaming will be 18 years.

12 – Repo Rate and Loan Monitoring
The Reserve Bank of India (RBI) will meet on October 1st. The repo rate, along with other financial decisions, will be announced at this meeting. If the repo rate is cut, home loan and car loan interest rates may decrease, positively impacting your monthly EMI.

13 – Changes in Small Savings Scheme Interest Rates
Interest rates on small savings schemes are revised every three months. The central government will announce the interest rate changes on September 30th. This change will be effective from October 1st. Consequently, interest rates on all post office small savings schemes, including PPF, SCSS, and SSY, may change.

14 – Bumper Bank Holidays
October begins with the Durga Puja holiday, followed by major festivals like Mahatma Gandhi Jayanti, Dussehra, Lakshmi Puja, Maharishi Valmiki Jayanti, Karva Chauth, and Diwali. Therefore, October will be a month of bank holidays. Therefore, before leaving home, be sure to check the list of holidays issued by the RBI. Don’t go to the bank and find the branch locked.

15 – Changes in Postal Service Charges

The Postal Department has made changes to the Speed ​​Post service, effective October 1, 2025. This will increase charges in many areas, while reducing them in others. New features have also been introduced, such as OTP-based secure delivery, real-time tracking, online booking and payment, SMS notifications, and user registration. Students will also receive a 10% discount, and new bulk customers will receive a 5% discount. These changes are intended to enhance the reliability, security, and convenience of postal services.

Bank Holiday : Check the holiday list before visiting the bank this week; banks will remain closed for this many days.

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