From October 1: Major Rule Changes on UPI, Railway Ticket Booking, LPG Prices, Banking, and Pensions

Starting October 1, 2025, several key rules across banking, digital payments, travel, and essential services have come into effect in India. These changes are expected to impact the daily lives and expenses of millions of citizens. From the discontinuation of a UPI feature to new verification rules for railway ticket bookings, LPG price adjustments, banking updates, and modifications in pension and postal services—here’s a detailed look at what has changed from today.

UPI P2P Collect Request Feature Discontinued

The National Payments Corporation of India (NPCI) has officially discontinued the P2P (Person-to-Person) Collect Request feature on UPI from October 1. This feature previously allowed users to send a request asking someone else to transfer money.

Now, users will no longer be able to send payment requests through UPI apps. Instead, only direct push transactions—where the sender initiates the payment—will be allowed.

The move is aimed at improving digital security, as many cases of online fraud involved unsuspecting users approving fraudulent payment requests. By removing this option, NPCI hopes to reduce such incidents and make transactions more secure.

Railway Ticket Booking Now Requires Aadhaar Verification

Indian Railways has also introduced stricter rules for Tatkal ticket bookings. From October 1, only passengers with verified Aadhaar details will be able to book tickets during the first 15 minutes of the Tatkal reservation window.

This step has been taken to curb black marketing and middlemen exploitation, ensuring that genuine travelers get fair access to tickets. Additionally, the cancellation process for railway tickets will also be tightened to minimize fraudulent bookings and misuse.

LPG Cylinder Prices May Change

Domestic kitchens are likely to see changes as well. Starting today, LPG cylinder prices may fluctuate in line with international market trends. While the government has hinted at marginal adjustments, the exact impact will depend on global fuel prices.

For households already struggling with rising expenses, this change could influence monthly budgets. However, subsidy schemes will continue to support economically weaker sections, ensuring that essential cooking fuel remains affordable for those who need it most.

Banking and Pension Rules Revised

Banks have implemented a new Continuous Clearing System for cheque processing from today. This will allow faster fund transfers and reduce delays in settlements.

In addition, some banks have revised their service charges and banking fees, which could affect account holders. Pension-related rules have also been updated, with certain new charges and procedural modifications introduced for pensioners. Customers are advised to review these updates carefully to avoid unexpected deductions.

Changes in Postal Services

India Post has also brought in changes to Speed Post and other postal services from October 1. The modifications aim to improve efficiency, speed, and transparency in postal operations. These updates are expected to enhance customer experience and strengthen the reliability of postal services across the country.

Why These Changes Matter

Each of these rule changes directly affects everyday financial and personal transactions. While the UPI update strengthens digital payment security, the railway verification rule ensures fair ticket access. Meanwhile, LPG price adjustments and banking fee revisions could impact household budgets. Finally, changes in postal services are designed to modernize and improve service delivery.

Key Takeaways for Citizens

• UPI Update: P2P Collect Request feature discontinued; only direct payments allowed.

• Railways: Aadhaar verification mandatory for Tatkal bookings in the first 15 minutes.

• LPG: Prices revised in line with international market fluctuations.

• Banking: Faster cheque clearing and possible changes in fees and service charges.

• Pensions: Procedural updates and new charges applicable.

• Postal Services: Speed Post and related services upgraded for efficiency.

These changes, effective from October 1, 2025, reflect the government and financial institutions’ focus on enhancing security, transparency, and service quality. Citizens are advised to stay informed and adjust their financial planning accordingly to avoid surprises.