November 2026 Due Dates: Tax, Bank and Investment Checklist

The dates that matter most in November 2026 are the 7th (TDS deposit), the 11th and 20th (GST returns), the 15th (PF/ESI and TDS certificates) and the 30th (property-TDS statements and the pensioner life certificate). There is no advance tax instalment this month: the next one falls on 15 December.

NDTV Profit's calendar for the month counts seven key dates. We have built our list from the recurring rules that apply every month, then added the rupee cost of missing each one. Dates that depend on a notification or a state calendar are marked for checking.

Key takeaways

• Advance tax is not due in November. The September instalment has passed and the next is 15 December.
• Several deadlines fall on a weekend: 7 November is a Saturday and 15 November is a Sunday. Pay a day or two early.
• Late GST and TDS costs are small per day but add up through interest. Missing a date by ten days typically costs hundreds of rupees, not lakhs.
• If you have not filed your ITR for FY 2025-26, the belated-return window runs to 31 December, with a fee of up to Rs 5,000.

November 2026 due dates at a glance

This table lists the weekday for each date, because November 2026 starts on a Sunday and a few deadlines land on weekends.

The weekdays follow from the calendar. Whether the GST and PF dates shift for a holiday or a portal notification is something to confirm on the official portals, which we link below.

Which tax deadlines fall in November 2026?

TDS deposit: 7 November

Anyone who deducted TDS in October, such as an employer, a company or a firm paying contractors, must deposit it by the 7th of the following month. Because 7 November is a Saturday, treat Friday the 6th as your working deadline. Online payment through your bank works on weekends, but do not leave it to the last evening.

TDS on property, rent and similar payments: 30 November

If you bought property and deducted 1% TDS, or paid rent above the threshold for the TDS-on-rent rule, the payment and the statement for October deductions are due by 30 November. Most individuals miss this one because it is not tied to a return they file every year. If you did a large transaction in October, check this first.

Form 16A for the July-September quarter: 15 November

Deductors must issue TDS certificates for the second quarter within 15 days of the due date for filing the quarterly return. That brings us to 15 November. If you are a freelancer or a senior citizen with bank FD interest, this is the certificate you will see in your Form 26AS and AIS.

Is advance tax due in November 2026?

No. Advance tax instalments are due on 15 June, 15 September, 15 December and 15 March. If you searched for an advance tax date in November, you are between instalments. Use the month to estimate the December payment, especially if you have capital gains or business income this year.

What if you have not filed your ITR yet?

Returns for FY 2025-26 are still processed under the 1961 Act, even though the new Income Tax Act 2025 applies from the next financial year. A belated return can usually be filed until 31 December 2026. If your income is above Rs 5 lakh, the late fee is Rs 5,000. Below that, it is Rs 1,000. If you are an NRI, our note on the Income Tax Act 2025 and NRI rules explains what changed. You can verify dates on the income tax portal.

GST due dates in November 2026

Monthly filers have two returns: GSTR-1 (outward sales) by the 11th, and GSTR-3B (summary and tax payment) by the 20th. Quarterly (QRMP) filers upload invoices by the 13th and pay by the 25th for the first two months of a quarter. Check the GST portal for notified extensions, which are common for specific states.

Online sellers should also look at the rule changes that took effect on 1 November. We have a separate checklist for online sellers on the GST changes.

Banking and payroll deadlines

PF and ESI contributions: 15 November

Employers pay the October EPF and ESIC contributions by the 15th. This is a Sunday, and portal payments on a holiday can be risky if the bank is slow to confirm. Aim for Friday the 13th. Late EPF payment attracts interest of 12% a year plus damages that depend on the length of delay.

Pensioners: life certificate between 1 and 30 November

Pensioners must submit their annual life certificate in November so their pension continues without a break. You can do this through Jeevan Pramaan (digital), the bank branch or a post office. Super senior citizens, aged 80 and above, are typically allowed to submit from 1 October. Check with your pension-paying bank for the exact process.

Bank holidays to plan around

Banks are closed on the second and fourth Saturdays, which in November 2026 are the 14th and the 28th, and on Sundays. Festival holidays are state-specific. Diwali is expected around 8 November, and Gujarat usually observes its New Year the day after the main Diwali days. The RBI publishes the holiday list, and our fellow readers in Gujarat should check the state list, not the national one. See the RBI site.

Investment dates worth marking

• PPF, 5 November: PPF interest is calculated on the lowest balance between the 5th and the month-end. A deposit made after the 5th does not earn interest for that month. The yearly limit is Rs 1.5 lakh.
• SIPs: keep enough balance in your account a day before the SIP date. A bounced SIP can mean a bank charge and a skipped instalment.
• Mutual fund review: if you hold regular plans and want to move, see our step-by-step on switching to direct mutual fund plans. Switching can trigger capital gains tax, so check the tax effect before you act.
• Capital gains: if you sold property in the last few months, read about Section 54EC bonds. The investment window is limited to a set number of months from the sale.

What does a missed date actually cost?

Penalties are modest if you act quickly, and they grow if you wait. These examples use the standard rates; amounts are rounded.

Example 1: GSTR-3B filed 10 days late

Suppose your October GSTR-3B shows tax payable of Rs 1,00,000. It is due 20 November, and you file on 30 November.

• Late fee: Rs 50 a day (Rs 25 CGST + Rs 25 SGST) × 10 days = Rs 500. For a nil return it is typically Rs 20 a day.
• Interest at 18% a year on the unpaid tax: Rs 1,00,000 × 18% × 10 ÷ 365 = about Rs 493.
• Total: roughly Rs 993.

Example 2: TDS deposited late

An employer deducts Rs 20,000 of TDS in October and deposits it on 20 November instead of 7 November. Interest on late deposit is 1.5% for every month or part of a month. The delay is part of one month, so: Rs 20,000 × 1.5% = Rs 300. If the TDS was never deducted, the rate is 1% a month, and the deductor may also face penalty proceedings.

Example 3: Property TDS statement filed 10 days late

A buyer pays Rs 80 lakh for a flat in October and deducts 1% TDS, which is Rs 80,000. The deposit and statement are due 30 November. If both slip to 10 December, interest is Rs 80,000 × 1.5% = Rs 1,200 for the part-month. A late-filing fee of Rs 200 a day for 10 days adds Rs 2,000 (Section 234E). Total: about Rs 3,200.

Example 4: Belated ITR in November

Say your income is Rs 12 lakh and you still owe Rs 20,000 after TDS. If the due date was 31 July and was not extended, filing on 20 November means four months of interest at 1% a month (August to November): Rs 20,000 × 1% × 4 = Rs 800. Add the Rs 5,000 late fee and the total is Rs 5,800. Pay the tax before you file to stop the interest growing.

Common mistakes people make with monthly deadlines

• Assuming a Sunday deadline moves to Monday. Some income tax dates shift, but GST, PF and many bank payments do not. Pay early.
• Filing a nil GST return only when there is tax to pay. A nil return is still a return and attracts a late fee.
• Waiting for the 30th for property TDS. Property buyers often learn about this step from the seller or the CA, not from the bank.
• Mixing up advance tax and TDS. TDS is deducted by someone else. Advance tax is what you pay yourself on income that TDS does not cover.
• Forgetting the pension life certificate. Pension can stop until you submit it, and it takes time to restart.

A checklist you can copy

1. Check this week which of the dates above apply to you: employee, freelancer, GST-registered seller, employer, pensioner, or property buyer.
2. Put the Friday before each weekend deadline in your phone calendar, not the deadline itself.
3. Keep funds ready in the bank account you will pay from.
4. Download Form 16A and check Form 26AS and AIS after 15 November.
5. If you have not filed your ITR, estimate the tax and fee and file before 31 December.

A note for Gujarat readers

Diwali and the Gujarati New Year bring a run of local bank closures and slower processing in business towns like Surat, Rajkot and Ahmedabad. If you pay GST or TDS around those days, do it the week before. Businesses closing their books for the new year should also reconcile October sales before filing GSTR-1 on the 11th.

Frequently asked questions

Is there an advance tax due date in November 2026?

No. The instalments fall in June, September, December and March. The next is 15 December 2026.

What is the GST return due date in November?

For monthly filers, GSTR-1 is due on 11 November and GSTR-3B on 20 November. QRMP filers have different dates, mainly the 13th and the 25th.

What is the last date to file an ITR in India for FY 2025-26?

The original deadline has passed. A belated or revised return can typically be filed until 31 December 2026, with a late fee of up to Rs 5,000. Check the income tax portal for any change.

Do I need to pay interest if I deposit TDS a few days late?

Yes. Interest is charged per month or part of a month, so even a one-day delay is charged as a full month at 1.5% of the TDS amount if it was deducted.

Which due dates should salaried employees care about?

Mostly three: filing your ITR if you have not (by 31 December), submitting a life certificate if you are retired, and your PPF or SIP dates. TDS and PF deposits are the employer's job, but check your payslip and Form 26AS.

Bottom line

For most salaried people, November is a quiet month: the real tasks are the ITR if it is pending and any investment dates. For business owners, employers and property buyers, the 7th, 11th, 20th and 30th decide whether you pay interest and fees. Copy the checklist into your phone today, and ask your CA to confirm anything tied to a notification before you rely on it.