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From July 1, your pocket will directly affect: These 5 big rules related to PAN card, ATM and railway will change, if you do not understand on time, there will be loss

Samira Vishwas | June 28, 2025 2:24 AM CST

July 1, 2025 – Even though Tarikh looks common, it is going to have a direct impact on the pockets and lifestyle of crores of people of the country. Many big rules are going to change simultaneously – ranging from relay tickets to ATM charge, from PAN card to credit card payment. If you do not understand these changes in time, then you may have to pay penalty or you may have to loose your pockets.

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1. Railway ticket booking rules changed: Aadhaar compulsory

From July 1, a major change is being made in the Tatkal ticket booking system of IRCTC. Now Tatkal tickets will be available only to those passengers whose IRCTC account is verified by Aadhaar.

Also, the Railways has also increased the fares slightly – 0.50 paise to ₹ 0.02 per kilometer.

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2. Aadhaar is necessary to make a new PAN card

Now from July 1, it has been made mandatory to give Aadhaar number for making a new PAN card.

Those who already have a PAN card, it will be mandatory to link their PAN to Aadhaar by 31 December 2025, otherwise their PAN will be defused.

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3. New payment fees for HDFC Credit Card Users

HDFC Bank has announced a 1% additional fee for credit card payment from third-party apps (eg PhonePe, Google Pay, Paytm).

Also, this charge will be applicable on the payment of utility bills like electricity, water and gas, which can increase monthly expenses.

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4. Rules in lieu of ICICI Bank ATM: Charge after free limit

ICICI Bank has set free limit of ATM transaction:

3 free transactions in metro cities
5 free transactions in non-metro cities

After this, ₹ 23 will be charged on every cash transaction and ₹ 10.50 on non-financial transaction like balance check.

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5. Utility bill payment from credit card now expensive

From July 1, an additional fee will also be charged for paying electricity, water or gas bills through credit cards.

Earlier this service was free, but now this expenditure can affect your monthly budget. EMI or auto-debit users will have to be more cautious than this change.