New Delhi39 minutes ago
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The month of November will end tomorrow and with it the deadlines for 4 important works will also end. These tasks include submitting life certificate to get pension, KYC in Punjab National Bank, tax related forms and UPS option for central employees.
If you have not done these things till now, your pension may be stopped, financial processes may get stuck, tax related problems may increase and penalties may also be imposed. Let us understand how these important tasks can be completed.
1. Life Certificate for Pensioners
Intended for seniors above 60 years of age. Central and State Government pensioners have to submit their Life Certificate from 1 October to 30 November every year to continue their pension.
The doorstep life certificate service of India Post Payments Bank (IPPB) has made this process easier. In this, pensioners can get digital life certificate made while sitting at home.
- Disadvantages: If the certificate is not submitted, the pension for the month of December may be stopped.
- Process: You can deposit it online by going to the bank (by 5 pm today), through CSC center, post office or through face authentication sitting at home.
2. Deadline for important tax related forms
Taxpayers are required to submit TDS challan-cum-statement for October 2025 (under sections 194-IA, 194-IB, 194M and 194S) by 30 November. Apart from this, taxpayers whose international or special domestic financial transactions fall under section 92E will have to file ITR. At the same time, Indian units of foreign companies will also have to submit Form 3CEAA by November 30.
- Disadvantages: If you do not file ITR within the prescribed date, you may have to pay a penalty.
- Process:
3. Punjab National Bank customers
Punjab National Bank customers have to get eKYC done by 30 November 2025. If customers do not do this then their account will not remain operative. Customers will not be able to withdraw money from their account. Also you will not be able to transfer money. If your account is in Punjab National Bank (PNB) and your KYC update is pending, then definitely complete it by 30th November.
- Disadvantages: PNB has clearly said that if e-KYC is not done by November 30, the account will be frozen. After this you will not be able to do transactions.
- Process: Customers can do this from home through ‘PNB One App’ or net banking.
4. Last chance to join the Unified Pension Scheme
The last date for central employees to join the Unified Pension Scheme (UPS) is 30 November 2025. Earlier this deadline was 30 September, which was extended by two months to 30 November. UPS is different from the New Pension System (NPS) and the contribution of both the employees and the government is fixed.
Under UPS, employees contribute 10% of their basic salary and DA, while the government contributes 18.5%. This arrangement is different from the Old Pension Scheme (OPS), in which employees used to get pension of 50% of the last basic pay without making any contribution.
- Disadvantages: By joining UPS, you will remain in NPS by default. In this, pension will not be guaranteed and dearness allowance (DR) will not be available.
- Process: Defense employees can apply by logging in to the SPARSH portal. At the same time, general central employees can apply at https://npscra.nsdl.com.
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