Only four days are left! Quickly complete these tasks by November 30th, or you'll be in trouble.

Things to do before November 30th: Before the end of November, you need to complete several important tasks to maintain your benefits. Otherwise, you may face difficulties.

Things to do before November 30th: The month of November is nearing its end. With the end of the month, the deadline for completing many important tasks will also expire. This will prevent you from taking advantage of many banking facilities, so you still have four days left to quickly complete these tasks. Let's find out what tasks you need to complete before the end of November:

Submit Life Certificates

To ensure timely pension payments, all pensioners in India are required to submit their Life Certificates (LCs) or Life Certificates to pension disbursing agencies by or before November 30th deadline every year.

Central and state government employees receiving pensions can either submit their documents in person to the relevant authorities, or they now have the option of submitting a digital LC within the deadline. Failure to submit your life certificate by November 30th could result in a suspension of your pension. In the event of a delay, your suspended pension will only be released once your LC is approved by the Central Pension Processing Center (CPPC).

Deadline for Updating KYC

If you are a Punjab National Bank (PNB) customer, you may have received a reminder message to update your KYC (Know Your Customer) by September 30, 2025. If you fail to update your KYC by this date, your account will be frozen, preventing you from performing essential transactions. Updating KYC is very easy.

You can update your KYC through the PNB ONE mobile app, internet banking, email or SMS, WhatsApp banking, or by visiting your nearest branch. Updating KYC is not just a regulatory requirement, but also essential for verifying identity, preventing fraud, and maintaining uninterrupted access to all banking services. Failure to update KYC details can sometimes lead to account freezing due to security concerns, impacting withdrawals, KYC transfers, and other services.

Transfer from NPS to UPS

Central government employees are being given another opportunity to migrate from the National Pension System (NPS) to the newly launched Unified Pension Scheme (UPS). The deadline was originally from June 30 to September 30, but was later extended to November 30, 2025, and now this is likely the last opportunity.

You can migrate from NPS to UPS entirely at your own discretion, which will significantly impact your retirement planning. Many employees are finding UPS more beneficial due to its defined-benefit structure and more stable income after retirement. Not opting in before November 30 means they will continue to operate under the existing NPS structure by default.