With only a few days left before November ends, it’s imperative for millions of pensioners, government employees, taxpayers, and Punjab National Bank (PNB) customers to complete certain important tasks within this short timeframe.
Failure to complete any of these tasks on time could result in a direct pension freeze, bank account closure, increased tax-related problems, or even penalties. Therefore, don’t underestimate the coming days and act immediately on these four important tasks.
Submitting Life Certificates is Mandatory for Pensioners
As with every year, it is mandatory for all pensioners in the country to submit their life certificates this year as well. The deadline is November 30th. If the certificate is not submitted by the due date, their pensions may be suspended from the following month. Senior pensioners over the age of 80 have been given time from October 1st to November 30th to complete this process comfortably.
The deadline for joining the Unified Pension Scheme (UPS)
The deadline for central government employees to join the UPS is November 30, 2025. This deadline was originally set for September, but was extended to November to facilitate employees. The UPS is different from the New Pension Scheme (NPS). Under this scheme, employees must contribute 10% of their basic salary and DA, while the government contributes 18.5%. This differs significantly from the old pension system, where employees received a pension of 50% of their final basic salary without any contribution.
E-KYC Update Mandatory for PNB Customers
Millions of Punjab National Bank customers are also required to complete their e-KYC by November 30, 2025. If customers fail to complete this process, their accounts may become non-operative. In such a situation, funds will be unable to be withdrawn or transferred. If your KYC update is pending, don’t wait for the deadline and complete it today.
Important Form Deadlines for Taxpayers
November is also crucial for taxpayers, as several important forms and reports must be submitted by November 30th. TDS challan-cum-statements (Sections 194-IA, 194-IB, 194M, and 194S) for October 2025 must be submitted by this date. Taxpayers whose transactions fall under Section 92E must also file their ITR by November 30th. Missing these deadlines increases the risk of late fees, notices, and hefty penalties.