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With just three days left before November ends, pensioners, government employees, Punjab National Bank customers, and taxpayers must complete four important tasks to avoid serious financial and compliance issues. Missing these deadlines could result in pension stoppage, penalties, delayed tax processes, or even non-operational bank accounts. Here is a detailed breakdown of the four tasks that must be completed before 30 November.

For central government employees, this is the most crucial update of the month.
The deadline to opt for the Unified Pension Scheme (UPS) is 30 November 2025. Earlier set for 30 September, the deadline was extended to give employees additional time.

UPS is different from the existing NPS. Under this scheme:

• Employees will contribute 10% of their basic salary + DA.

• The government will contribute 18.5%.

• This system differs from the old pension scheme, where employees received 50% of their last basic salary as pension without any contribution.

Employees willing to switch to UPS must complete the process within this week.

All pensioners must submit their annual life certificate by 30 November to ensure uninterrupted pension credit. If not submitted on time, pension payments will be stopped.

• Pensioners above 80 years of age have an extended window from 1 October to 30 November.

• Bank branches

• Government offices

• Common Service Centres (CSC)

• Mobile apps

• India Post Payments Bank doorstep service for digital submission

Submitting on time ensures a smooth continuation of pension benefits.

November is a key month for taxpayers, as multiple tax-related forms and reports must be filed by 30 November.

• TDS challan-cum-statement for October 2025 (Sections 194-IA, 194-IB, 194M, 194S)

• ITR filing under Section 92E for taxpayers involved in international or specified domestic transactions

• Form 3CEAA for Indian subsidiaries of foreign companies

Failing to submit these forms may lead to late fees, compliance notices, and additional penalties.

Punjab National Bank has instructed customers to update their e-KYC by 30 November 2025.

If not completed:

• The bank account will become inoperative.

• Customers will not be able to withdraw or transfer money.

• Account services will remain blocked until KYC is updated.

If your PNB account’s KYC status is pending, complete it before the due date to avoid restrictions.

The next three days are critical for several financial and administrative obligations. Whether it’s pension continuation, tax compliance, or banking operations — completing these tasks before 30 November is essential. Staying updated and completing deadlines on time ensures hassle-free financial management and avoids unnecessary penalties.