Jan 2026: Major Rule Changes Impacting Your Salary, Loans & Finances

• Credit scores to update weekly; major banks reduced loan interest rates, FD rates also revised.
• PAN-Aadhaar linkage mandatory from Jan 1, 2026; 8th Pay Commission and DA hike effective.
• New ITR forms introduced; LPG and ATF prices to be revised from January 1.
• Farmers to get unique IDs for PM-Kisan; crop insurance for wild animal damage (report within 72 hrs).
• HDFC Bank revises debit card lounge access rules from Jan 10, moving to a voucher-based system.

Why It Matters: January 2026 brings significant financial and regulatory changes affecting salaries, loans, and daily life.