New Rules From 1st December: With the beginning of the month of November, there are going to be changes in many important things related to common people. These changes will have a direct impact on your pocket – be it banking, taxation, or government documents. Let us know in detail about these major changes coming into effect from November 1 –

1. New fee system for SBI cardholders

From November 1, SBI credit card users will have to pay additional charges on some transactions. If education related payments (like school/college fees) are made through third party apps like CRED or MobiKwik, there will be an additional charge of 1%. Also, if you load more than ₹ 1,000 into a digital wallet (like Paytm or PhonePe) from SBI card, then 1% charge will have to be paid on that too.

2. Big change in Aadhar card update charge

UIDAI has given relief regarding Aadhaar card update of children. Biometric update of children will now be completely free (for the next one year). For adults, a fee of Rs 75 will be charged for updating name, address, date of birth or mobile number. There will be a charge of Rs 125 for fingerprint or eye scan (biometric update). Plus, you can now update some basic details — like name, date of birth or address — without uploading any documents.

3. New GST slabs will be applicable

The government is going to implement major changes in the GST structure from November 1. The old four slabs (5%, 12%, 18%, and 28%) have been simplified and converted into two slabs. Now 12% and 28% slabs have been removed. Also, up to 40% GST will now be imposed on luxury and harmful items. The aim of the government is to make the GST structure simple and transparent.

4. New rules for bank nomination

The rules related to nomination for bank accounts have been changed from November 1. Now maximum four nominees can be made for one account, locker or safe custody. The process of adding or changing a nominee has been made easier and online than before. This will make it easier for the family to access funds in emergency situations.

5. Deadline for shifting from NPS to UPS extended

Relief news for central employees – Employees who want to shift from National Pension System (NPS) to Unified Pension Scheme (UPS) have now been given time till November 30. This additional time will give employees the opportunity to review and plan their options.

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Bank rules change November 2025: Many changes are taking place in the rules of banking and financial sector from 1 November 2025. Which will have an impact on bank customers, government employees and people availing financial services. Almost every person in India is connected to these services in some way or the other. Among these changes, changes have been made mainly related to multiple nomination for bank accounts, SBI card fees and pensioners.

Life certificate date for pensioners

All pensioners of the Central and State Government will have to submit their life certificate between November 1 and November 30, 2025. So that, their pension is not interrupted in any way. At the same time, the government has started the date of submission of life certificate for pensioners above 80 years from October 1 itself.

The government has directed all the banks to provide special facilities to the pensioners suffering from serious illness in the hospital and those who are unable to come to the branch. Under this, the bank should meet them and help them in making their life certificate.

Rules for change of bank account and locker

From today you can nominate 4 people for your account. You can also decide how much share each of these four people will get. For example, you make 4 people nominees on your bank deposit and decide that each will get 25-25 percent share. Earlier you could have only one or two nominees.

From today you can avail the facility of locker under Sequential Nomination for Bank Locker. You can decide who will have access to your locker first. The government believes that this will reduce disputes and delays in claims.

Date of change in pension scheme

Keeping in mind its employees, the Central Government has changed the last date for switching from National Pension System (NPS) to Unified Pension Scheme (UPS). Employees can now switch to the pension scheme till 30 November 2025.

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