Aadhaar Verification update

New PAN Card Applications, Tatkal Train Ticket Booking will need Aadhaar Verification update Starting July 1, 2025

in

New Delhi | July 2, 2025 —
A sweeping set of financial rule changes affecting Aadhaar verification, PAN applications, tax filing deadlines, credit card usage, ATM charges, and more have officially come into effect across India as of July 1, 2025. These regulatory updates are expected to influence taxpayers, bank customers, train passengers, and digital financial users nationwide.

Here is a detailed breakdown of all the changes, including the critical Aadhaar Verification update that every Indian citizen should be aware of:

1. Aadhaar Verification Update: PAN Application Now Requires Aadhaar

The Aadhaar Verification update issued by the Central Board of Direct Taxes (CBDT) has made it mandatory to link Aadhaar with PAN for all new PAN card applications.

  • Applicants must provide Aadhaar at the time of PAN application.

  • Previously accepted IDs like a driving license or birth certificate are no longer sufficient.

  • Existing PAN holders are also required to complete the Aadhaar verification update by December 31, 2025.

  • Failure to comply may result in PAN deactivation, which can disrupt financial transactions, income tax filings, and access to banking services.

This Aadhaar Verification update aligns with the government’s push for greater transparency and unified identity systems.

2. Aadhaar Verification Now Required for Tatkal Train Bookings

As part of the expanded Aadhaar Verification update, Indian Railways now requires Aadhaar authentication for booking Tatkal train tickets, whether online or at physical counters.

  • Starting July 15, Indian Railways will introduce two-factor authentication (2FA) for all ticket bookings.

  • This will involve an OTP sent to the registered mobile number, further strengthening the identity verification process.

Fare Revisions Also Announced:

  • Non-AC Coaches: Fare increase of 1 paisa per km

  • AC Coaches: Fare increase of 2 paise per km

These changes are aimed at enhancing passenger security and reducing booking fraud under the broader Aadhaar Verification update framework.

3. ITR Filing Deadline Extended: More Time for Taxpayers

In a relief to salaried individuals, the CBDT has extended the Income Tax Return (ITR) filing deadline from July 31 to September 15, 2025.

  • This allows an additional 46 days to complete the return filing process.

  • However, taxpayers who are ready with their documentation are encouraged to file early to avoid potential issues with overloaded portals as the deadline nears.

This extension complements the Aadhaar Verification update, ensuring a seamless tax filing experience where PAN-Aadhaar linkage is now a prerequisite.

4. Major Credit Card Rule Changes: SBI, HDFC, and ICICI Revise Charges

Significant updates are now in effect across multiple banks, changing how customers are charged for credit card usage and rewards.

SBI Credit Cards:

  • Discontinuation of air accident insurance on SBI Elite, Miles Elite, and Miles Prime.

  • New Minimum Amount Due (MAD) calculation method rolled out.

HDFC Credit Cards:

  • 1% transaction fee (capped at Rs. 4,999) on:

    • Rent payments

    • Digital wallet loads above Rs. 10,000

    • Online gaming transactions above Rs. 10,000

    • Utility bill payments over Rs. 50,000 (excluding insurance)

This change is in line with the financial discipline goals set forth alongside the Aadhaar Verification update, aiming to improve digital accountability.

ICICI Bank Charges:

  • First 5 ATM withdrawals are free; then Rs. 23 per withdrawal

  • IMPS charges revised: Rs. 2.5–Rs. 15 based on the amount

  • Cash deposit charges apply over Rs. 1 lakh/month

  • International ATM usage:

    • Rs. 125 per cash withdrawal

    • Rs. 25 for non-financial

    • 3.5% currency conversion

5. Axis Bank Increases ATM Charges

Effective July 1, Axis Bank has updated ATM withdrawal charges for:

  • Savings

  • NRI

  • Trust

  • Priority

  • Burgundy account holders

After the free monthly withdrawal limit, customers will now be charged Rs. 23 per out-of-network ATM transaction.

These changes reflect an industry-wide shift in transaction monitoring and compliance, in parallel with the broader Aadhaar Verification update.

6. Delhi Bans Fuel for End-of-Life (EoL) Vehicles Using Aadhaar-Linked Tech

In an air quality initiative, Delhi has enforced a fuel ban on overaged vehicles from July 1.

  • ANPR (Automated Number Plate Recognition) cameras are now active at 520 fuel stations in Delhi.

  • These systems cross-check registration details with the VAHAN database, identifying vehicles unfit for use.

  • Those flagged will be denied fuel service.

The data integration and enforcement process is part of a larger ecosystem driven by Aadhaar-linked digital identity verification, mirroring the goals of the Aadhaar Verification update in other domains.

7. Railway Waitlist Charting to be Finalized Earlier

To assist passengers in planning their travel, Indian Railways will now finalize waitlist charts eight hours before train departure instead of the previous four-hour window.

This change gives waitlisted passengers more time to make alternate arrangements, improving overall travel flexibility.

This update, though logistical, also benefits from the digitized passenger verification systems being bolstered by the Aadhaar Verification update across the railway network.

8. RBI Extends Call Money Market Hours

The Reserve Bank of India has extended interbank call money market trading hours:

  • New timing: 9:00 AM to 7:00 PM IST

  • Earlier: 9:00 AM to 5:00 PM IST

This change allows more liquidity and operational flexibility for banks, supporting faster reconciliations in a time when digital verification and compliance—such as the Aadhaar Verification update—are becoming the norm.

9. GSTR-3B Returns Locked After Filing

From July onwards, once the GSTR-3B return is filed, it becomes non-editable.

  • Returns will now be auto-populated using GSTR-1/1A data.

  • Businesses must ensure that all data is accurate before final submission.

With compliance becoming more data-dependent, this aligns with the Aadhaar-based standardization initiatives, echoing the government’s broader Aadhaar Verification update strategy.

Final Note: Why the Aadhaar Verification Update Matters Now More Than Ever

The Aadhaar Verification update is not an isolated change but part of a nationwide shift toward digital identity, unified compliance, and secure financial practices.

From PAN applications to rail travel, fuel purchases, and taxation, Aadhaar verification is now deeply integrated into India’s financial and civic systems.

Citizens are urged to immediately ensure their Aadhaar details are linked wherever required to avoid disruptions in services or financial penalties.

For the latest updates, expert guidance, and Aadhaar-PAN linking assistance, visit:
🔗 https://creditsamadhaan.com