1 October 2025: Next month i.e. from 1 October 2025, many big rules are going to change across the country. These changes will directly affect your pocket and everyday life. This includes important changes related to banking, check clearing, railway ticket booking, speed post, NPS and Unified Pension Scheme (UPS).
HDFC Bank Imperia new rule for customers
HDFC Bank has informed its Imperia customers via email that now the terms of the Total Relationship Value (TRV) are changing. New conditions for customers who are associated with the IMPeria program by 30 June 2025 will be applicable from 1 October 2025. This means that customers will now have to keep more balance in their accounts and investment so that they can take advantage of this premium service.
RBI’s check clearing system will change
The Reserve Bank of India (RBI) has made a big change in check clearing. Till now the check batch used to be from the clearing system, that is, there was clearance in the batch at a fixed time. The Continuous Clearing System will be applicable from 4 October 2025. This means that as soon as the check is cleared, the money will be settled immediately. This change will take place in two stages. The first phase will be from 4 October 2025 to 2 January 2026 and the second will be from 3 January 2026. With this, customers will now get the facility of check clearing in the same day or a few hours.
New Charges of PNB
Punjab National Bank (PNB) has changed its several charges, which will be applicable from 1 October 2025. Locker fare has been increased. Standing Instruction (SI) failure and changing nomination will be charged. However, the charges of stop payment will remain the same.
Railway ticket booking rules will change
IRCTC has made a new rule regarding online ticket booking. Now Aadhaar Authentication will be necessary for general ticket booking. These rules will be applicable from 1 October 2025. The aim is to stop the misuse of ticket reservation system and curb fake booking.
Yes bank salary account charges
YES Bank is also changing its salary account charges. This includes cash transactions, ATM withdrawal limit, debit card fee and penalty on bounce checks. The new charges will be applicable from 1 October 2025.
Speed post prices will increase
India Post has made the speed post expensive. Now new charges will be installed according to different categories. GST will be shown separately. Also, OTP-based delivery will also start, that is, the packet will be found only when the receiver will tell the correct OTP. This facility will provide both safety and facility to customers.
PFRDA Cra Charges
PFRDA has increased the fees of Central RecordKeeping Agency (CRAS). These charges will be applicable to pension schemes like NPS, NPS Lite, UPS, APY. These charges will be applicable if both online and offline.
Last date to switch to UPS from NPS
Central government employees who want to shift from NPS to UPS have only 30 September 2025. After this, the option to switch to UPS will end from 1 October 2025. Employees who have chosen UPS earlier also have a chance to return to NPS by 30 September 2025. NPS provides 100% equity option.
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