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Triple deadline alert for November 30: KYC compliance, pension scheme switch, and life certificate submission

Upstox
By Upstox News Desk

2 min read | Updated on November 24, 2025, 08:08 IST

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SUMMARY

What’s due on November 30? A look at 3 major deadlines affecting customers, employees, and pensioners.

Triple deadline alert for November 30

With all three deadlines converging, individuals are encouraged to act promptly to avoid disruptions in financial and pension-related services. | Image: Shutterstock

As November 30, 2025, approaches, multiple important deadlines are looming for bank customers, government employees, and pensioners.

These deadlines include Punjab National Bank's (PNB) mandatory Know Your Customer (KYC) update, the Centre’s cut-off date for switching from National Pension System (NPS) to the Unified Pension Scheme (UPS), and the annual life certificate submission for pensioners.

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PNB KYC update: November 30 deadline

PNB has issued a strong reminder urging customers to complete their KYC updates by November 30, 2025. This requirement applies to all accounts that became due for KYC renewal as of September 30, 2025. In line with Reserve Bank of India (RBI) regulations, PNB has clarified that non-compliance may lead to restrictions on account operations. Customers can update their details through multiple channels, including PNB ONE, internet banking, registered email, post, WhatsApp, SMS, or by visiting any branch. The bank emphasised that timely KYC completion ensures identity verification, prevents misuse of accounts, and supports safer financial transactions.

NPS-UPS switch November 30 deadline

Another major deadline falling on November 30 is the window for eligible central government employees to switch from NPS to UPS. The Centre extended this deadline for the second time, following earlier cut-offs of June 30 and September 30, after receiving requests from various stakeholders.

The Ministry of Finance noted that recent enhancements to the UPS, including improved benefits and tax advantages, have prompted employees to seek more time to evaluate their options. The November 30 deadline is expected to be the final extension.

November 30 Life Certificate submission deadline

For pensioners, November 30 also marks the last date to submit their annual life certificate. In recent weeks, government departments, banks, and digital platforms have increased outreach efforts to simplify the process through online submission, doorstep banking, Jeevan Pramaan, and biometric authentication facilities.

Missing the November 30 deadline means your pension stops temporarily, but it resumes once you submit the life certificate, and pending payments are released.

With all three deadlines converging, individuals are encouraged to act promptly to avoid disruptions in financial and pension-related services.

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About The Author

Upstox
Upstox News Desk is a team of journalists who passionately cover stock markets, economy, commodities, latest business trends, and personal finance.

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