From the deadline to linking your Aadhaar with your PAN to applying for a higher pension under the Employees' Pension Scheme (EPS), here’s a list of some of the most important financial deadlines and changes due in July 2023.  

1.Aadhaar-PAN linkage  

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The deadline to link the Aadhaar with the PAN is June 30. From July 1, a PAN card without a linked Aadhaar will turn inoperative. 

2. Last date to apply for a higher pension under EPS 

Employees who are members of the Employee Pension Scheme (EPS) can opt for a higher pension facility by July 11.  

3. Filing the income tax return (ITR)  

The last date to file your ITR for the assessment year 2022-23 is July 31. 

4. Home loan and FD rate post-HDFC merger   

An imminent merger of HDFC and HDFC Bank, to create a giant financial institution, is set to take effect on July 1.  

Once the merger takes place, the resultant entity’s home loan customers may see a revision in the applicable interest rates. 

Here’s a look at the current home loan rates offered by the HDFC twins:  

HDFC Bank 

 

Special Home Loan Rates​​​​​​​
Loan Slab Salaried / SEP Self Employed
  Applicable Interest Rates
  % %
For all Loans 8.45% - 8.95% 8.45% - 8.95%
     
RPLR-18.30%

 

 

 

Standard Home Loan Rates​​​​​​​
  Salaried / SEP Self Employed
Home/HIL/HEL/Refinance/Plot Loans Applicable Interest Rates
Upto 30 Lacs % %
Women 8.95% - 9.45% 8.95% - 9.45%
Others 9% - 9.5% 9% - 9.5%
     
30.01 Lacs - 75 Lacs % %
Women 9.2% - 9.7% 9.2% - 9.7%
Others 9.25% - 9.75% 9.25% - 9.75%
     
75.01 Lacs & Above % %
Women 9.3% - 9.8% 9.3% - 9.8%
Others 9.35% - 9.85% 9.35% - 9.85%

 

HDFC 

 

 

Loan Slab Interest Rates (% p.a.)
For All Loans 8.50 - 9.00

 

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