Money changes from November 1, 2026: Revised PNB credit card charges, increased Indusind Bank fees and ITR deadline; know key changes

There are several changes in banking and financial sectors that will come into effect on November 1, 2026. IndusInd Bank will increase charges on failed savings account transactions; PNB will be making credit card service charge tweaks; certain taxpayers will have income tax return (ITR) deadlines and pensioners can submit their annual life certificates in November.

Here are the important changes and the deadlines to keep an eye on.

Life certificate submission for all pensioners starts from November 1

Central and state government pensioners need to submit their life certificate every year to continue receiving pension.


For pensioners who are 80 years of age and above, life certificate submission started can be submitted from October 1, 2026.

However, the life certificate submission for other pensioners will start from November 1, 2026. Pensioners of 80 years and above age can continue submitting their life certificates.

All eligible pensioners are required to submit their life certificates by November 30, 2026. Otherwise, their pension payments may be stalled.

Read more:

Jeevan Pramaan 2026: Can all senior citizens submit Digital Life Certificate (DLC) from October 1, 2026? Check eligibility

Income tax filing deadline extended to November

The Central Board of Direct Taxes (CBDT) has extended the due date of furnishing of income tax return (ITR) for Assessment Year 2026-27 from October 31, 2026 to November 21, 2026, for certain taxpayers.

However, not all taxpayers are covered by the extension. Those wanting to avail of the extended deadline need to check the notification and see if their category is covered.

CBDT has, vide Circular No. 07/2026 dated September 28, 2026, extended the return filing due date for the relevant cases from October 31, 2026, to November 21, 2026. Consequently, the due date for furnishing the tax audit report in such cases has also been extended from September 30, 2026, to October 21, 2026.



Read more: Deadlines for income tax audit and ITR filing extended for AY 2026-2027 to these dates

PNB revises credit card charges

Punjab National Bank (PNB) is set to revise has revised some of its service charges on its Visa and RuPay credit cards from November 1, 2026. The cCredit card revisions are related to utility bill payment, reward redemption, utility bill payment reward, payment auto debit failure, cheque return, late charge, and cash withdrawal fees.

IndusInd Bank has revised charges on failed savings account transactions

From November 1, 2026, IndusInd Bank will charge for some failed transactions from savings accounts. The new charges will be applicable for Indus Delite, Indus Digi-start, Indus Online-Min Bal Required, and Indie Star, Superstar and Megastar customers.

Also, declined POS transactions due to insufficient funds will attract a revised charge of Rs 25. Earlier, it was free of charge.

IndusInd Bank customers will be charged Rs 25 for a failed IndusInd Bank ATM transaction due to insufficient balance. Earlier, there was zero charge for this. If the cheque is bounced other than for financial reasons, the bank will charge Rs 50 per cheque. Earlier, there was no charge on this as well.

Existing IndusInd Bank customers on such variants of the savings account should check the revised charge schedule before their transactions.