From September 2025, several important financial rules and deadlines will come into effect that could directly impact both individuals and businesses. These include changes in income tax filing deadlines, pension options, silver hallmarking, SBI credit card benefits, and fixed deposit schemes. Staying updated on these money rules will help you avoid penalties and make smarter financial decisions.
1. ITR Filing Deadline Extended to September 15, 2025
The Income Tax Department (CBDT) has extended the last date to file income tax returns (ITR) for FY 2024-25 from July 31, 2025, to September 15, 2025.
- Taxpayers get an extra six weeks to file returns.
- Missing the deadline may attract late filing fees and interest.
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2. Unified Pension Scheme (UPS) Deadline – September 30, 2025
Central Government employees now have until September 30, 2025, to opt for the Unified Pension Scheme (UPS) instead of the National Pension System (NPS).
- As of July 2025, over 31,000 employees had already chosen UPS.
- Employees must carefully evaluate long-term pension benefits before making the switch.
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3. Silver Hallmarking Becomes Voluntary from September 1
Starting September 1, 2025, buyers will have the option to choose between hallmarked and non-hallmarked silver jewellery.
- Hallmarking ensures purity certification, but it won’t be compulsory initially.
- The system is similar to gold hallmarking rules introduced earlier.
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4. SBI Credit Card Rule Changes from September
From September 1, 2025, SBI credit card holders will see changes in reward point rules:
- No points on spends made via gaming platforms, merchant payments, and government transactions.
- CPP (Card Protection Plan) customers will be migrated automatically to new variants from September 16, 2025.
- Revised renewal charges:
- Classic: ₹999
- Premium: ₹1,499
- Platinum: ₹1,999
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5. Special FD Rates – Last Chance by September 30
Two leading banks are offering limited-period special FD schemes:
- Indian Bank: 444-day & 555-day FDs (deadline: Sept 30, 2025).
- IDBI Bank: 444-day, 555-day, and 700-day FDs (deadline: Sept 30, 2025).
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Conclusion
September 2025 brings crucial financial changes that everyone should keep track of. Whether it’s filing your ITR, opting for the new pension scheme, checking SBI credit card updates, or locking in higher FD rates – these decisions can impact your finances significantly.
📌 Action Points for September 2025:
- File your ITR by Sept 15
- Govt. employees decide on UPS by Sept 30
- Silver hallmarking is optional – choose wisely
- SBI cardholders check reward & CPP changes
- Invest in special FDs before Sept 30
