Year Ender 2025: These 10 major money-related rules will be implemented in 2025, directly impacting your finances..

The year 2025 was very different in terms of finances. From banking to taxes, from UPI to Aadhaar and FASTag... there were continuous changes that directly impacted the pockets of ordinary people. Payments became faster in some areas, you received more discounts in others, savings increased in some cases, and in others, it became necessary to understand some new rules.

If you want to know about the major financial changes that occurred in 2025 and how they affected your daily expenses, savings, and transactions, then this complete list is for you. Each rule is explained in very simple language so that you can easily understand what 2025 added and changed in your finances.

1. Check deposits will now clear in hours, ending the two-day wait
The RBI made a major change related to check clearance. Now, you won't have to wait two days after depositing a check. A new system was implemented on October 4, 2025, after which most checks are cleared within a few hours. This will allow people to receive money faster, reduce bank delays, and make the entire transaction process smoother.

2. More free facilities on zero-balance accounts
The RBI took a major relief measure for people with zero-balance accounts. Now, digital payments like UPI, IMPS, NEFT, and RTGS will not be considered withdrawals and will be completely free and unlimited.
In addition, at least 4 free cash withdrawals will be available per month. ATM/Debit cards will also be available free of charge without any annual fees. This will directly benefit people living in rural areas and small towns.

3. RE-KYC mandatory for Jan Dhan accounts
Jan Dhan account holders started receiving frequent RE-KYC messages in 2025. If someone ignores these messages, their account may be frozen, and government subsidies may also be stopped. Banks are setting up camps at the village and panchayat levels so that people can easily complete their RE-KYC. Many banks are also providing the facility of home-based and online KYC. 4. New Limits and Timing Rules on UPI.
Several new changes have been implemented in 2025 for customers using UPI (Unified Payments Interface). The most significant of these changes is the new limit on balance checks... Now you can check your balance only 50 times per day on each UPI app. In addition, new time limits have been set for auto-pay transactions such as SIPs (Systematic Investment Plans) or OTT subscriptions. These auto-payments will now not be processed during peak hours, which are from 10 AM to 1 PM and 5 PM to 9:30 PM. Along with these changes, banks will now send balance updates to users after every transaction to prevent people from checking their balance unnecessarily.

5. Facility to Add Up to 4 Nominees in Bank Accounts
The RBI has simplified bank nominations. You can now add up to four nominees for your savings account, fixed deposit, or locker, and assign different percentages to each nominee. Opening an account without a nominee is also permitted.

6. Aadhaar Updates Now Easier, Charges Fixed
UIDAI has simplified the entire Aadhaar update process. Name, address, and mobile number updates can be done online for ₹75. Biometric updates, such as fingerprints or iris scans, will cost ₹125 and require a visit to a center. Biometric updates for children will remain free for one year.

7. Unified Pension Scheme (UPS) Implemented, 50% Pension Guaranteed
The new Unified Pension Scheme came into effect on April 1, 2025. It replaces the old pension system. Government employees who complete 25 years of service will receive a pension equivalent to 50% of their average basic salary over the last 12 months. This change has affected approximately 23 lakh government employees.

8. New FASTag Rules: KYV Mandatory and New Penalty Charges
From November 1, 2025, completing KYV (Know Your Vehicle) became mandatory for FASTag. If KYV is not completed, the FASTag may be deactivated. New charges came into effect from November 15, 2025.  Toll charges will be doubled for cash payments. Toll charges will be 1.25 times higher for UPI or digital payments. This means those using digital payments will benefit.

9. New Tax Slab: No Tax Up to 12 Lakhs
The biggest change in Budget 2025 was in taxation. Under the new tax system, income up to Rs. 12 lakh is completely tax-free. For salaried individuals, with a standard deduction of Rs. 75,000, salaries up to Rs. 12.75 lakh will be tax-free. The new tax slabs came into effect from April 1, 2025.

10. New TCS and TDS Limits Implemented
In 2025, the government changed the rules for TCS and TDS. The TDS limit on interest for senior citizens has been increased to Rs. 1 lakh. The TCS limit for foreign travel and large transactions has been increased from Rs. 7 lakh to Rs. 10 lakh.

11. GST Changed to a New Two-Slab System
In 2025, the GST Council implemented a major reform. Now, there will be only two GST slabs across the country: 5% and 18%.  Very luxurious or harmful products will have a GST of up to 40%. The new GST system came into effect from September 22, 2025. This will simplify both purchasing and billing, and the tax structure will be less confusing.

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