From October 1, 2025, several major policy and operational changes have been
implemented across railways, banks, pensions, postal services, and financial
regulations. Citizens and businesses must take note of the following updates:
1) RBI Repo Rate – No Change
The Reserve Bank of India has kept the repo rate unchanged. This means no
immediate change in loan EMIs or deposit rates.
2) IRCTC / Indian Railways – Aadhaar Authentication Priority
IRCTC has mandated Aadhaar authentication for priority in ticket booking windows
to prevent misuse and automation-based bookings.
3) Bank Service Charges
Many banks have revised their charges effective October 1. Changes include ATM
transaction fees, debit card charges, and minimum balance penalties.
4) RBI Cheque Clearing – Continuous Processing
From October 4, cheque clearing will shift to a continuous process. This ensures
faster settlement and quicker fund availability.
5) National Pension System (NPS) Updates
New scheme options now allow up to 100% equity allocation for certain investors.
CRA fees and operational guidelines have also been updated.
6) Atal Pension Yojana (APY) – Updated Subscriber Form
A new APY subscription form is mandatory for fresh enrollments. Existing
subscribers need not re-apply.
7) India Post / Speed Post Changes
Speed Post tariffs have been revised. Registered Post has been merged with
Speed Post. New features include OTP-based delivery and improved digital
tracking.
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Practical Guidance
- IRCTC users should complete Aadhaar authentication immediately.
- Bank customers must check their bank’s October circular for new charges.
- Cheque users should be ready for faster settlement timelines.
- NPS/APY subscribers must review the new guidelines and forms.
- Businesses and e-commerce operators should adjust to new Speed Post tariffs.
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Conclusion
These reforms are not disruptive but require careful adjustments by individuals and
businesses. Staying updated and proactive will ensure smooth adaptation to the
new framework.
Prof. Mahesh Sangam
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