September 2025 is a crucial month for your personal finances, packed with deadlines you can't afford to ignore. Missing these dates can lead to penalties or a loss of valuable benefits. Here's a simple guide to the 5 key deadlines to keep on your radar.
The final date for filing your Income Tax Return (ITR) for individuals and Hindu Undivided Families (HUFs) who don't require an audit is September 15, 2025. This date was extended by the Central Board of Direct Taxes (CBDT) from the original July 31 deadline. If you haven't filed yet, make sure you complete this task to avoid late fees and interest charges.
Central government employees can switch from the National Pension System (NPS) to the new Unified Pension Scheme (UPS) until September 30, 2025. NPS is market-linked, with retirement benefits based on investment returns, offering flexibility in fund choices. UPS combines NPS contributions with guaranteed benefits, providing a fixed pension (usually 50% of the last drawn average salary after 25+ years of service) and inflation-linked Dearness Relief.
Recent changes include gratuity, tax benefits, and a one-time option to switch back to NPS, making UPS more flexible and attractive.
Two banks, Indian Bank and IDBI Bank, have special Fixed Deposit schemes with deadlines of September 30, 2025.
| Bank | FD Scheme | Tenure | General Public | Senior Citizens | Super Senior Citizens |
| Indian Bank | Ind Secure | 444 days | 6.70% | 7.20% | 7.45% |
| Indian Bank | Ind Green | 555 days | 6.60% | 7.10% | 7.35% |
| IDBI Bank | Utsav FD | 444 days | 6.70% | 7.20% | 7.35% |
| IDBI Bank | Utsav FD | 555 days | 6.75% | 7.25% | 7.40% |
| IDBI Bank | Utsav FD | 700 days | 6.60% | 7.10% | 7.25% |
These offers are ending soon, so if you're looking for a good FD rate, this is your last chance to take advantage of these schemes.
If you have a Jan Dhan Account that is more than 10 years old, the deadline for your re-KYC (Know Your Customer) is September 30, 2025. Banks have been holding special camps and providing services at home to help customers update their information. Failing to re-KYC can lead to your account being frozen and prevent you from receiving government subsidies or other benefits.
As of September 1, 2025, the Registered Post service will no longer exist on its own. It will be merged with the Speed Post service. This means that users of the Registered Post service will now have to pay the higher charges of the Speed Post service. For instance, the starting cost of a Registered Post was around ₹25.96, whereas a Speed Post starts at ₹41.
Keeping track of these deadlines is vital for your financial health. By acting on time, you can avoid unnecessary penalties, secure your benefits, and manage your financial plans smoothly in September. Make a note of these dates and take action today!
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.
Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Published on: Sep 1, 2025, 11:00 AM IST
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