Key Financial Rule Changes from November 2025: Aadhaar, Bank Nomination, SBI Card Fees, and GST Updates

Starting in November 2025, several financial rules will change, impacting bank customers, pensioners, and taxpayers across India. The updates include new banking nomination options, Aadhaar update rules, SBI credit card charges, a new GST registration process, and deadlines for pension-related submissions.

New Banking Nomination Rules

From November 1, bank customers can nominate up to 4 people for a single account, locker, or safe custody item. This change aims to make it easier for families to access funds during emergencies and avoid ownership disputes. The process for adding or changing nominees has also been simplified.

SBI Credit Card Fee Update

SBI credit card users will see new charges starting this month. A 1% fee will apply to education-related payments made through third-party apps and to wallet top-ups over ₹1,000.

Simplified Aadhaar Update Process

The UIDAI will simplify how Aadhaar details can be updated. Users can now change information like name, address, date of birth, and mobile number online without uploading supporting documents. However, biometric updates such as fingerprints or iris scans still require visiting an Aadhaar centre. The fee for non-biometric updates is ₹75, and for biometric updates, it is ₹125.

Important Deadlines for Pensioners

November is crucial for pensioners, who must submit their annual Life Certificate between November 1 and 30 to continue receiving pensions. Additionally, central government employees now have until November 30 to switch from the National Pension System (NPS) to the Unified Pension Scheme (UPS).

Read More: Top Equity Mutual Funds with Highest 5-Year CAGR for November 2025.

Simplified GST Registration

A new GST registration system will launch on November 1, making it easier and faster for small businesses to register and comply with tax regulations.

Conclusion

These new financial rules are designed to simplify processes and improve convenience for individuals and businesses. From Aadhaar updates to pension deadlines and GST reforms, staying informed will help avoid disruptions and ensure smooth financial management.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.