November money changes in India include revised Punjab National Bank credit card charges and new fees for some failed IndusInd Bank savings account transactions from November 1, 2026. Some taxpayers and pensioners also face deadlines later in the month.
Key Takeaways
- PNB is revising credit card service charges, while IndusInd Bank will charge some customers for transactions that were previously free.
- The extended income tax return deadline of November 21 applies only to certain taxpayers.
- Eligible pensioners must submit their annual life certificates by November 30 to avoid a possible interruption in payments.
November money changes at PNB and IndusInd
PNB will revise service charges on its Visa and RuPay credit cards from November 1. The changes cover utility bill payments and related rewards, reward redemption, failed auto-debit payments, cheque returns, late charges and cash withdrawals.
PNB’s revised credit card service charges notice lists the effective date. Customers should check the applicable schedule for details of individual charges.
IndusInd Bank’s new failed-transaction fees apply to Indus Delite, Indus Digi-start, Indus Online-Min Bal Required, and Indie Star, Superstar and Megastar savings account customers. The following transactions were previously free.
| Item | Details |
|---|---|
| Insufficient-funds point-of-sale decline | ₹25 per declined transaction |
| Insufficient-balance IndusInd Bank ATM failure | ₹25 per failed transaction |
| Cheque bounced for non-financial reasons | ₹50 per cheque |
Tax return deadline for certain cases
The Central Board of Direct Taxes extended the income tax return filing deadline for certain cases for assessment year 2026–27 from October 31 to November 21, 2026. Taxpayers should check whether their category is covered; the extension does not apply to everyone.
For the relevant cases, the tax audit report deadline was also extended, from September 30 to October 21, 2026.
Life certificates due by November 30
Central and state government pensioners must submit a life certificate each year to continue receiving their pensions. Submission for pensioners below age 80 begins on November 1, 2026; those aged 80 and above have been able to submit since October 1 and can continue to do so.
Eligible pensioners must submit their certificates by November 30. Missing the deadline could stall pension payments.
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Disclaimer
This FinanceVelix article provides general information, not personalized financial, investment, legal, or tax advice. Market prices, interest rates and economic conditions can change; investments carry a risk of loss. Facts reflect the material available when published and may change. Check important information independently and consult a qualified professional when needed. Mentioning an asset, company, or service is not an endorsement.
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