Key Personal Finance Deadlines In September, You Should Not Ignore

September 2025 is packed with crucial deadlines in the personal finance space, and it is essential not to ignore them. These include income tax filings, opting for the suitable pension scheme option, to booking limited validity fixed deposits (FDs) with the banks, re-KYC (Know Your Customers) in Jan Dhan Accounts, and India Post’s registered posts integration with the speed post service. These are important dates to keep in mind to avoid penalties or losing out on the schemes’ benefits. Here are five major personal finance deadlines in the coming month that can impact your financial plans.

Income Tax Return (ITR) Filing

The income-tax return (ITR) filing’s last date this year is September 15, 2025. The Central Board of Direct Taxes (CBDT) extended this date from July 31 to September 15 for individuals and Hindu Undivided Families (HUFs), who do not need to audit their accounts. This extension gave more time to taxpayers in collecting their documents and ensured tax compliance as per the rules. However, if one has not filed the ITR yet, do not miss the deadline, or the late filing will attract late fees and interest.

NPS To Unified Pension Scheme (UPS) Switch

The central government has implemented the Unified Pension Scheme (UPS) on April 1, 2025, for central government employees with a deadline of June 30, 2025, to exercise the switch option from the National Pension System (NPS) to the UPS. As this is a one-time irrevocable option, it has received a muted response from employees despite its administering authority, the Pension Fund Regulatory and Development Authority (PFRDA), launching the UPS calculator. Then the last date to exercise the switch option was extended to September 30, 2025.

Notably, the government has made UPS more attractive lately by extending retirement and death gratuity benefits under the CCS (Pension) Rules, 2021, or the CCS (Extraordinary Pension) Rules, 2023, and bringing tax parity between NPS and UPS. Recently, the government introduced a switching back option from UPS to NPS, one year before superannuation or three months before in case of voluntary retirement. As the option is now revocable, more employees are likely to opt for UPS.

Special FDs Of Indian Bank And IDBI Bank

Two banks, Indian Bank and IDBI Bank, have their special FDs, which are valid up to September 30, 2025.

Indian Bank’s Ind Secure (444 days) and Ind Green (555 days) special FDs are valid till September 30. Here are the details:

Tenure              Interest rates          Interest rates            Interest rates                   (Seniors)                   (Super seniors)          (General public)

444 days             7.20 per cent               6.45 per cent               6.70 per cent

555 days             7.10 per cent              7.35 per cent                6.60 per cent

IDBI Bank’s special Utsav FDs are also valid till September 30, 2025.

Tenure           Interest rates               Interest rates

(Seniors) (General public)

444 days             7.20 per cent                   6.70 per cent

555 days             7.25 per cent                    6.75 per cent

700 days             7.10 per cent                    6.60 per cent

Jan Dhan Account Re-KYC Camps

The last date for re-KYC of the Jan Dhan Accounts is September 30, 2025. Re-KYC is required for all these accounts that are more than 10 years old. Banks have been organising camps and offering doorstep services to customers since July 1, 2025, to update their KYC. A Jan Dhan account holder should not ignore this date, or it will result in an account freeze and non-credit of government subsidies or other benefits.

Registered Post Integration With Speed Post

August 31, 2025, will be the last date registered post’s existence. From September 1, 2025, it will be merged with the speed post. Notably, it will increase the cost for those who use registered post. As reported earlier, for a registered post, the starting cost was Rs 25.96 plus 5 per 20 grams, whereas the speed post cost starts at 41 per 50 grams. So, the change will mean a higher cost to the registered post service users.