What will change in the lives of Russians from November 1
The last month of autumn promises to be full of legislative changes. In November, Russians will see a number of innovations affecting a wide variety of spheres of life. New regulations related to the indexation of pensions and salaries, an updated debt collection procedure, as well as changes in inheritance registration will come into force. For more information about which amendments will take effect and how they will affect the daily lives of citizens, see the Izvestia article.
Pension indexation
In November 2025, the Social Fund of Russia will carry out a planned recalculation of pension payments. The increase will affect several categories of citizens and will happen automatically. You will not need to apply for this.
One of the categories for which an increase is envisaged will be pensioners who have reached the age of 80. For them, the fixed payment to the insurance pension will be doubled: from 8,907.7 to 17,815.4 rubles. In addition, there is a monthly maintenance allowance of 1,314 rubles. In regions where the district coefficient applies, the total amount will be higher — from 1.15 to 1.19 times, depending on the territory of residence. Similar rules apply to the disabled of the first group, regardless of their age.
The recalculation will also affect members of civil aviation flight crews. The amount of their additional payments depends on the working conditions and the length of their special service. The minimum length of service for men is 25 years, for women — 20 years. For each additional year beyond this period, 1% of the average monthly salary is accrued, while the total amount of payments cannot exceed 75-85% of the previous salary.
Additional payments are also provided for employees of the coal industry. They are eligible for specialists with at least 25 years of experience in mines or mine construction. For certain professions, such as face cleaning miners and sinkers, the minimum length of service has been reduced to 20 years. The average amount of the increase will be from 1,500 to 3,000 rubles.
20 SIM cards per person
From November 1, 2025, new provisions of Federal Law No. 303-FZ of August 8, 2024, which amends the Law on Communications and a number of other regulations, will come into force in Russia. These amendments are aimed at increasing transparency and security in the field of mobile communications.
One of the key innovations will be the limitation of the number of SIM cards issued per person. According to the updated version of Federal Law No. 126-FZ dated June 7, 2003 "On Communications", from April 1, 2025, an employee to whom an organization provides corporate mobile communications will be able to have no more than 20 SIM cards. Starting from November 1, 2025, if this limit is exceeded, telecom operators will be required to refuse service to the subscriber.
In addition, all telecom operators must complete the verification of their subscribers by November 1, 2025. After this date, only those customers whose data has been verified will be able to use mobile communication services.
Citizens can check how many SIM cards are registered in their name in their personal account on the Gosuslugi portal — in the "Sim cards" section. If the main number is not displayed, it may have been issued using an old passport. In this case, the data must be updated with your carrier. You can also check the information through the support service or in person at the mobile operator's office.
New rules for collecting tax debts from individuals
New rules for out-of-court debt collection from citizens will come into force in Russia on November 1, 2025. The amendments were approved by Federal Law No. 448-FZ of July 31, 2023 and are aimed at simplifying procedures in the presence of undisputed debts, when their amount and fact are beyond doubt.
Now certain categories of debts can be collected without going to court, based on a decision of the tax authorities. Such cases include taxes specified in the 3-personal income tax declaration, transport and property taxes, and obligations under notarized transactions (loans, credits, and receipts).
Previously, a court decision and a writ of execution were required to collect any debt. After the law comes into force, the Federal Tax Service will have the right to send a request for payment directly to the client. However, debts incurred before November 1, 2025, will be recovered according to the previous rules, through court proceedings.
Information will be provided through a personal account on the FTS website and the Gosuslugi portal, as well as sent by registered mail. If the debt is not repaid on time, the tax authority will be able to independently write off the amount and transfer the materials to the Federal Bailiff Service (FSSP).
At the same time, the law provides for protective measures for citizens. The penalty does not apply to social benefits and may not exceed 50% of the proceeds to the bank account. The decisions of the tax authorities can be challenged. To do this, it is enough to file a complaint or a statement in free form.
Checking debts for heirs
The innovations will also affect the work of notaries. Starting from November 24, 2025, the law of November 23, 2024 No. 407-FZ comes into force in Russia, which introduces additional duties for them to register an inheritance. According to the document, they will inform the heirs about the outstanding loans of the deceased. This change is aimed at increasing the transparency of the inheritance procedure and protecting citizens from unexpected financial obligations.
The rules of inheritance in Russia are still determined by the Civil Code. The deceased's property may be transferred by will, inheritance agreement, or by law, if there are no relevant documents. In the latter case, the heirs are determined in order of priority, of which there are only eight. The former includes the spouse, children, and parents of the deceased, while the latter includes disabled dependents living with them. At the same time, the will allows you to change the order established by law or appoint any person as an heir, not necessarily a relative.
It is worth remembering that along with the right to property, the heirs also accept the debt obligations of the deceased. Therefore, the new rules are especially important. They provide an opportunity to assess the financial condition of the heir in advance and decide whether to accept the inheritance or give it up.
Labeling of industrial equipment and animal feed
Starting from November 1, 2025, a pilot project for labeling industrial equipment is being launched in Russia. The list of products participating in the experiment includes diesel and gas piston generators, internal combustion engines, synchronous generators and bearings. The pilot project will last until August 2026.
The labeling itself is a system for tracking the movement of goods from the manufacturer to the final buyer. A unique digital code is applied to each unit of production, which allows you to control its turnover and protects the market from counterfeiting.
In addition, starting from November 1, manufacturers and suppliers of vegetable oils and animal feed will be required to provide information about their products to the Honest Sign organization. This innovation is aimed at increasing the transparency of supplies and ensuring that only legal and safe products are available on store shelves.
Sale of methanol and methanol-containing liquids
Starting from November 1, 2025, new requirements for the turnover of methanol and liquids containing it will begin to apply in Russia. In accordance with Federal Law No. 108-FZ of May 23, 2025, only organizations and individual entrepreneurs included in the state register will be able to sell such products.
The law also establishes that the turnover of methanol and methanol-containing liquids is allowed only with mandatory denaturation, that is, the addition of substances that make the product unsuitable for human consumption or for other inappropriate purposes.
This requirement will come into force after the Government approves a separate regulatory act establishing the procedure and technical conditions for this procedure.
Abandonment of EDO
Starting from November 1, 2025, the Federal Tax Service completes the transition to an updated format of electronic interaction and finally stops accepting requests through electronic document management (EDI) operators. From now on, all non-formalized documents, such as requests, explanations, complaints and letters, can be sent only through the taxpayer's personal account (LC FTS) or the Gosuslugi portal.
At the same time, the procedure for filing tax reports and declarations, receiving notifications, and exchanging primary documents with counterparties remains the same and will continue to be implemented through the EDI.
This decision is connected with the transition of the Federal Tax Service to more modern and secure digital formats of interaction. The new procedure will simplify the processing of appeals, reduce the time for their consideration and increase the security of taxpayers' data.
The transition to the new rules is carried out in stages. Since July 1, 2025, the maximum size of files sent via EDI has been reduced to 1 megabyte. Since October 1, it has been forbidden to attach attachments to letters, and since November 1, the reception of requests through EDI operators has been completely discontinued.
New standards for brokers' work with clients
The updated rules for brokers' interaction with clients will come into force on November 5. From now on, staff qualifications will be monitored and the level of investor training will be assessed according to documents approved by the Bank of Russia. Based on them, the procedure for reviewing citizens' complaints will also be established.
According to the changes, brokers are required to inform clients in advance about possible risks and refrain from imposing additional financial instruments if the client is not sufficiently aware of them. In addition, the new requirements provide for improving the quality of service: brokers must respond more effectively to customer requests and complaints.
Internal control in banks
By November 13, 2025, most Russian banks need to update their internal control rules, which were in effect as of August 13, 2025. The requirement is established by the Regulation of the Bank of Russia dated June 18, 2025 No. 860-P.
One of the key changes was the establishment of a new approach to risk assessment. Doing business without a mandatory license should now be considered as a factor that increases the likelihood of suspicious transactions. This will allow banks to more quickly identify signs of illegal activity and prevent participation in schemes in violation of the law.
In addition, the PVK needs to be supplemented with a program to implement the rights and obligations of a participant in the digital ruble platform. This is due to the expansion of its use in financial transactions and the need to develop internal control mechanisms for their transparency. The list of signs of unusual operations has also been expanded. Now it includes groups of signs indicating possible illegal activity in the financial market. This will allow credit institutions to more accurately identify suspicious transactions and promptly report them to the authorized authorities.
At the same time, the Bank of Russia clarifies that the internal control rules may not include individual programs or regulations if they do not relate to activities that the organization does not actually engage in.
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