Money rules changing in November 2026: cards, pensions, GST, Diwali trading and more
Every money change for November 2026 in one place: card fees, GST changes, life certificates, Muhurat trading, bank charges and deadlines, with dates.
Here is what changes for your money in November 2026, with the date each one starts. We will update this page as new notices come out. For the month just ending, see October's changes.
From 1 November
- PNB credit cards. Cash withdrawals cost 2.5% of the amount, at least ₹400 at PNB ATMs and ₹500 at others. Redeeming reward points costs ₹99 a request. Utility bills above ₹50,000 in a billing cycle carry a 1% fee, up to ₹2,000 a payment. The late fee is ₹500 to ₹1,200 depending on the amount due, and a returned cheque or failed auto-debit costs 2% of the payment, at least ₹400.
- Axis Bank movie offers. The District buy one get one offer on SELECT, MY ZONE, NEO and Privilege cards needs ₹25,000 of spending in the previous 3 months.
- IndusInd Bank savings accounts. A card payment or ATM withdrawal declined for low balance costs ₹25, and a cheque returned for a non-financial reason costs ₹50, plus GST.
- GST changes in phases. Sections of the Finance Act, 2026 on discounts and refunds start, and officials say the administrative changes agreed at the GST Council begin in phases. Draft revised GST return forms are open for public comment from 1 to 30 November. GST Council guide, CBIC circulars.
- Life certificate for pensioners. Central government pensioners can submit the annual life certificate from 1 to 30 November. Those aged 80 and above could start on 1 October. How to submit it.
- LPG and ATF prices. Oil companies revise cylinder and jet fuel prices on the first of the month. No new price had been announced when we wrote this.
Around Diwali
- Muhurat trading, Sunday 8 November. Pre-open is 2:05 pm to 2:15 pm and normal trading in shares runs from 2:20 pm to 3:30 pm. The market is closed on Tuesday 10 November. Full timings.
- Gold bond early exits, until 9 November. Premature redemption requests for SGB 2020-21 Series VIII and Series II close on 9 November 2026.
- MakeMyTrip ICICI card, 10 November. No foreign currency markup and no dynamic currency conversion fee on the card, but international spends outside MakeMyTrip earn no myCash, and new myCash expires after 24 months.
Mid to late November
- Amex, 15 November. Points are kept separately on each Amex card, the 50% fee waiver on the Membership Rewards Credit Card ends, and the late fee is based on the total amount due, from ₹500 to ₹1,250. Spend milestones count by posting date.
- Axis Bank, 15 November. Complimentary memberships on cards such as Magnus, Reserve and SELECT renew only with your consent.
- Rose Valley depositors, 15 November. Update Aadhaar and bank details on the ADC website. New claims close on 30 November. Details.
- EPF for October, 15 November. Employers pay October PF by this date.
- Central Bank of India, 21 November. 69 service charges change, including ATM, cheque book, cash and locker fees. Old and new charges.
- Income tax return with tax audit, 21 November. CBDT moved the last date for 2025-26 returns that need a tax audit from 31 October. This is not the date for salaried people, whose return date was 31 July.
- Tata Neu HDFC card, 25 November. You must claim NeuCoins in the Tata Neu app, or they expire 12 months after the statement. How to claim.
- SBI inoperative accounts. SBI's notice of 8 October gives a month to update KYC before closing unused zero-balance savings accounts. What to do.
Coming in December
NPS charges for accounts opened through a point of presence start on 1 December (details), and the new closing auction timings for shares start on 7 December (details).
Still awaited
- DA hike. Dearness allowance for central government employees stays at 60% of basic pay until the hike due from 1 July 2026 is announced. Where it stands.
- UPI merchant fee. NPCI said the 0.4% fee on UPI payments to merchants above ₹2,000 will start after Diwali, on a date to be announced. The merchant pays it, not you. Who pays what.
- Small savings rates are unchanged for October to December 2026. PPF stays at 7.1%.
Sources: PNB: revision in service charges on credit cards, Axis Bank: Revision of SELECT Credit Card Terms and Conditions, American Express India: Consumer experience updates, ICICI Bank: MakeMyTrip ICICI Bank Credit Card terms and conditions, NSE circular NSE/CMTR/76941: Muhurat Trading, 19 October 2026, Jeevan Pramaan portal (MeitY), Central Bank of India: revision of service charges w.e.f. 21.11.2026, CBDT: due date extended to 21 November 2026, SBI: public notice of 8 October 2026 (PDF), PFRDA: circular of 26 October 2026, SEBI circular of 15 October 2026, Rose Valley ADC
Rules, rates and limits change. Check the official source linked above before you rely on a figure here. Posts never contain referral or affiliate links from the writer.
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