HDFC Bank has updated its Imperia customer eligibility criteria, making it tougher to retain membership benefits. Punjab National Bank (PNB) has revised locker rents, standing instruction charges, and stop-payment rules, while YES Bank has altered salary account fees, ATM withdrawal limits, and cheque penalties.

In banking reforms, the Reserve Bank of India (RBI) will shift from batch cheque clearance to continuous settlement from October 4, 2025, promising quicker fund transfers.

For travelers, IRCTC will enforce new Aadhaar-linked ticket booking guidelines to prevent misuse of the system. Meanwhile, India Post’s Speed Post charges will increase, but customers will get OTP-based secure delivery for added safety.

Pension reforms are also key. The PFRDA has revised CRA service charges, while non-government NPS subscribers will now be allowed 100% investment in equities. Additionally, September 30 is the deadline for Central Government employees to switch between NPS and UPS.

Summary (20 words):
Bank charges, railway rules, postal services, RBI cheque clearance, and pension reforms are changing from October 1, directly affecting citizens.