New Rules 2026: Major Changes Impacting Your Salary, Loans, Taxes & Expenses

• Credit bureaus will update customer data weekly, leading to quicker credit history changes.
• Major banks like SBI, PNB, HDFC have reduced loan interest rates; new FD rates from Jan 2026.
• PAN-Aadhaar linking becomes mandatory from January 01, 2026, for banking and government services.
• 8th Pay Commission likely from January 01, 2026, affecting central/state govt salaries and DA hike.
• New ITR forms, LPG/ATF price changes, and HDFC Bank debit card lounge access rules (voucher-based from Jan 10) are also coming.

Why It Matters: January 2026 brings significant changes to finance, taxes, and daily expenses for many.