Pension: You'll lose your pension if you don't do these three things! November 30th is the deadline..

The last week of November is underway, and if you want a pension, you'll need to complete some important tasks. The most important task is submitting a life certificate. Additionally, you'll need to submit some tax-related forms. Central government employees will need to opt for the UPS (Unified Pension Scheme).

If you don't complete all these tasks by November 30th, you could face penalties or delays. Therefore, get these things done quickly, or you'll regret it later.

Unified Pension Scheme
Important news for central government employees: the last date to join the Unified Pension Scheme (UPS) is November 30, 2025. The previous deadline was September 30th, but the government extended it by two months. Now, employees who want to leave the old NPS and join UPS have only one week left. If you don't choose the option by November 30th, you'll remain in the NPS.

UPS offers many benefits to employees. Employees will contribute 10% of their basic salary + DA, and the government will contribute the full 18.5%. Upon retirement, they will receive a guaranteed pension, which is as secure as the old OPS. This system differs from the Old Pension Scheme (OPS), in which employees received a pension of 50% of their last basic pay without any contribution. Therefore, employees who wish to opt for the new scheme will need to decide by November 30th.

What to do to avoid a tax notice?
November 30th is also the deadline for taxpayers. Submitting multiple TDS forms for October 2025 is only permitted by November 30th. Submitting the TDS challan-cum-statement under TDS (194-IA), TDS (194-IB), TDS (194M), and TDS (194S) for October 2025 is mandatory by this date. Submitting both the challan and statement by November 30th will result in penalties.

Foreign companies or those with foreign transactions must also file their Transfer Pricing Report (Form 3CEAA) by this date. November 30th is also the deadline for filing ITR (Income Tax Return) for certain special cases.

Life Certificate
November 30th is a crucial date for senior pensioners. As every year, they must submit their Life Certificate (Jeevan Pramaan Patra); otherwise, their pension will be suspended from December. Those aged 80 and above are exempt; they can submit it starting October 1st. These are easy submission methods. You can submit it at a bank branch or visit your nearest CSC center. Alternatively, you can submit it at a government office or submit it from home using the Umang app or Jeevan Pramaan app.

India Post Payments Bank offers a doorstep service. A postman will come to your home, take your fingerprint and photo, and create a digital certificate in just 10-15 minutes. This facility is especially beneficial for very senior citizens and disabled pensioners. To access this service, the pensioner must provide their Aadhaar number, mobile number, email ID, bank/postal savings account number, and PPO number to the postman. Upon completion of this process, the pensioner will receive a confirmation message on their mobile phone, and the certificate will be available for online viewing the next day. Failure to complete these steps by November 30th could result in the suspension of their pension. They may also face a tax notice.

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