As of January 1, 2025, several significant regulatory changes have been implemented in India, impacting various sectors and the daily lives of citizens. Here are the key updates:

India's 2025 New Rules



1. Income Tax Adjustments: The income tax exemption limit has been raised from ₹2.5 lakh to ₹3 lakh, providing relief to taxpayers.


2. Senior Citizen Savings Scheme: The investment cap for the Senior Citizen Savings Scheme has been increased from ₹15 lakh to ₹30 lakh, offering better savings opportunities for the elderly.


3. Monthly Income Scheme: The investment limit for the Monthly Income Scheme has been doubled from ₹4.5 lakh to ₹9 lakh for single accounts, and from ₹9 lakh to ₹15 lakh for joint accounts, enhancing monthly income avenues.


4. Kisan Vikas Patra (KVP): The maturity period for KVP has been reduced from 123 months to 115 months, allowing investors quicker access to their funds.


5. Post Office Term Deposit: Interest rates on post office term deposits have been increased, with a 1-year deposit now earning 6.6% (up from 6.2%), and a 5-year deposit earning 7% (up from 6.7%), making them more attractive investment options.


6. Senior Citizen Savings Scheme Interest Rate: The interest rate for this scheme has been raised from 8% to 8.2%, providing better returns for senior citizens.


7. Monthly Income Scheme Interest Rate: The interest rate has been increased from 7.1% to 7.4%, enhancing monthly payouts for investors.


8. Atal Pension Yojana (APY): The maximum age limit for enrollment in APY has been raised from 40 to 45 years, allowing more individuals to benefit from pension schemes.


9. Public Provident Fund (PPF): The interest rate for PPF remains unchanged at 7.1%, continuing to offer a stable investment option.


10. National Savings Certificate (NSC): The interest rate for NSC has been increased from 6.8% to 7%, providing better returns for savers.


11. Sukanya Samriddhi Yojana: The interest rate for this scheme remains unchanged at 7.6%, continuing to support the girl child's future.


12. Goods and Services Tax (GST) on Online Gaming: A uniform 28% GST is now applicable on the full face value of bets placed in online gaming, impacting the online gaming industry.


13. Credit Card Payments for Foreign Tours: International credit card payments made during foreign travel will now be counted under the Liberalized Remittance Scheme (LRS), affecting the annual remittance limit of $250,000.


14. Foreign Trade Policy: The new Foreign Trade Policy 2025-30 has been introduced, focusing on enhancing exports and ease of doing business.


15. Digital Payments: The government has mandated zero charges on RuPay debit card and UPI transactions, promoting digital payments.


16. Vehicle Scrappage Policy: Private vehicles older than 20 years and commercial vehicles older than 15 years are now eligible for scrapping, aiming to reduce pollution and promote fuel efficiency.


17. Electric Vehicle (EV) Incentives: Incentives for purchasing electric vehicles have been extended till March 31, 2026, encouraging the adoption of EVs.

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These changes reflect the government's efforts to boost the economy, encourage savings, and promote sustainable practices across the nation.

For a more detailed explanation, you can watch the video here: