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As soon as the first day of November arrives, many big rules touching your everyday life have come into effect. From Aadhaar card to banking, credit card, LPG cylinder, GST and pension schemes, these changes will have a direct impact on your pocket and life. Some rules will give you relief, while some may increase expenses. Let us understand in simple language these seven major changes implemented from November 1, 2025.

Free Aadhaar Update for Children

Unique Identification Authority of India (UIDAI) has given a big gift for children. Now biometric update of children’s Aadhar card will be completely free for 1 year. Earlier a fee of Rs 125 had to be paid for this. However, for adults, the rules remain the same—a fee of Rs 75 for change of name, address or mobile number and Rs 125 for biometric update (fingerprint/iris scan). UIDAI says that this step has been taken to keep the records of children accurate and updated.

Revolutionary changes in GST

The new structure of GST has come into effect from November 1. The old four slabs of 5%, 12%, 18% and 28% are now history. Now there will be only two slabs—one for essential goods and services, the other for luxury and ‘sin goods’ (like tobacco), which will attract 40% tax. The government claims that this will make the tax system easy and transparent. Traders will also have less trouble in following the rules.

Relief in bank nominee rules

Reserve Bank of India (RBI) has implemented a new rule for bank customers. Now four nominees can be added to a bank account, locker or safe custody, earlier only one was allowed. The process of adding or changing a nominee has now become online and paperless. This change will help the family easily access money in case of sudden death or dispute.

Important alert for pensioners

Attention Central and State Government Pensioners! It is necessary to submit your annual life certificate by 30th November 2025. This work can be done online from bank branch, Jeevan Pramaan portal or face authentication app. If the certificate is not submitted on time, the pension may be stopped. The government has simplified the digital process to make it easier.

Last chance to switch from NPS to UPS

The central government has launched the new Unified Pension Scheme (UPS), which combines the features of the old and new pension schemes. The last date to switch from NPS to UPS is 30 November 2025. This scheme will provide market-linked returns to central employees along with guaranteed pension. The government says that this scheme will provide more security and stability to the employees.

New shock for SBI card users

Bad news for SBI card holders! New charges will be imposed on digital transactions from November 1. On paying education fees through third party apps, 1% service charge will have to be paid. Also, 1% charge will be levied on loading digital wallet more than Rs 1000. This rule has been brought to prevent misuse of credit cards and to make transactions transparent.

New prices of LPG cylinder

Like every month, new prices of LPG cylinders are released on 1 November. Indian Oil, Bharat Petroleum and Hindustan Petroleum have reduced the price of commercial LPG cylinder (19 kg) by Rs 5. The new prices have come into effect from today. There is no change in domestic cylinder prices.