October 1 brings several rule and fee changes across banks, railways, postal services, and pensions. Here’s a breakdown of what you need to know.
HDFC Bank Imperia Customers: New TRV Rules
HDFC Bank has revised eligibility for its Imperia banking program.
- Customers must now meet updated Total Relationship Value (TRV) criteria.
- Even if you joined before June 30, 2025, the new rules apply starting October 1.
Punjab National Bank: Higher Fees
From October 1, Punjab National Bank (PNB) has increased multiple charges:
- Locker rentals
- Failed standing instructions
- Nomination-related charges
Customers will now face higher service costs across these areas.
YES Bank Salary Accounts: New Charges
If you hold a YES Bank salary account, several new fees come into effect:
- ATM withdrawal limits with charges beyond free usage
- Cash deposit charges
- Penalties on bounced cheques
These changes will increase the cost of basic banking services.
IRCTC Online Ticket Booking: Aadhaar-Based Rules
The Indian Railways Catering and Tourism Corporation (IRCTC) has tightened rules for online ticket booking:
- Aadhaar-based guidelines now apply to general ticket bookings.
- The move aims to reduce touts and agents.
- For passengers, this means stricter identity verification while reserving seats.
India Post Speed Post: Higher Rates and OTP Delivery
Sending parcels via India Post Speed Post will now cost more.
- Revised tariff rates come into effect.
- OTP-based delivery has been introduced, ensuring packages are handed over only after recipient verification.
Pension and NPS: Revised Charges, Higher Equity Option
The Pension Fund Regulatory and Development Authority (PFRDA) has updated its rules:
- Recordkeeping charges have been revised.
- Non-government NPS subscribers can now invest up to 100% in equities.
This offers more flexibility for retirement planning.
Government Pension Scheme Switch: Deadline Closed
- The deadline for government employees to switch between the Unified Pension Scheme (UPS) and National Pension System (NPS) ended on September 30, 2025.
- No further changes can be made after this date.
From banking fees to railway ticketing rules, Speed Post tariffs, and pension reforms, October 1, 2025 marks a significant shift in everyday financial and service-related regulation
