From 1 November 2026, several money and daily-life rules change across India. Highlights: a cheaper yearly FASTag pass for people near toll plazas, caller names on your phone screen, the life certificate window for pensioners under 80, GST Rule 14B for online sellers, and Delhi's No PUC, No Fuel rule.
Updated 31 October 2026
Quick facts
| Item | Details |
|---|---|
| Official portal | Depends on the change: jeevanpramaan.gov.in, gst.gov.in, rajmargyatra.nhai.gov.in, parivahan.gov.in |
| Helpline | Highways 1033, cyber fraud 1930, LPG emergency 1906, pension queries with your bank or pension office |
| Fee | FASTag local pass ₹1,500 or ₹3,000 a year; life certificate free; GST registration free |
| Deadline | Life certificate for pensioners under 80: 1 November 2026 to 30 November 2026. Kerala e-challan amnesty: 1 November 2026 to 31 January 2027 |
| Documents | Aadhaar and PPO number for pensioners, RC and FASTag for the local pass, PAN and e-commerce operator details for GST Rule 14B |
The quick list
| What changes | Who it hits | From |
|---|---|---|
| FASTag concessional local pass | Private car owners living within 20 km of a national highway toll plaza | 1 November 2026 |
| Caller name display (CNAP) | All mobile users on 4G and 5G | 1 November 2026 |
| Life certificate window | Central and other pensioners aged below 80 | 1 November 2026 to 30 November 2026 |
| GST Rule 14B | Small online sellers who want registration in another state | 1 November 2026 |
| Delhi winter action plan | Vehicle owners, builders and offices in Delhi | 1 November 2026 |
| Kerala e-challan amnesty | Vehicle owners with old pending fines in Kerala | 1 November 2026 to 31 January 2027 |
| Lado Lakshmi payment split | Women beneficiaries in Haryana | 1 November 2026 |
| LPG cylinder price review | Every household and business using LPG | 1 November 2026 (monthly revision) |
Now let's go one by one.
1 FASTag local pass: who saves money?
If you live within 20 km of a national highway toll plaza and drive a private car, jeep or van, you can buy a yearly local pass for that one plaza. It costs ₹1,500 a year if the plaza is outside municipal limits and ₹3,000 a year if it's inside. It works only at that plaza, not across the country. You buy it at the plaza counter from 1 November 2026, and the Rajmargyatra app is expected to offer it from 1 December 2026. Carry your RC, a working FASTag and address proof showing you live nearby.
Daily commuters who cross the same toll twice a day will feel the difference within a month. If you only cross it once in a while, the normal FASTag is still cheaper. New to FASTag? Read how FASTag works, recharge and blacklist fixes.
2 Caller name on your phone (CNAP)
The Department of Telecommunications has told operators to show the caller's name, taken from their KYC records, on 4G and 5G networks. So even an unsaved number will show a name. That's good news against fraud calls, but check that your own name is correct with your operator. Full details here: CNAP from 1 November 2026, how it works.
3 Pensioners under 80: life certificate time
If you're a pensioner below 80, your yearly life certificate window runs from 1 November 2026 to 30 November 2026. Miss it, and the pension can stop from December. You don't have to go to the bank. Download the AadhaarFaceRD and Jeevan Pramaan apps and do a face scan from home, or visit a bank, post office or Jeevan Pramaan centre. Pensioners aged 80 and above already got their window from 1 October 2026. Our step-by-step guide: life certificate by face scan.
4 GST Rule 14B for small online sellers
Small sellers on marketplaces can now get GST registration in another state by using the e-commerce operator's warehouse as their place of business there. No need to rent your own godown just for paperwork. Apply on the GST portal and pick the Rule 14B option. More here: GST Rule 14B explained.
5 Delhi's winter rules
Delhi's winter action plan kicks in from 1 November 2026. The big ones: no fuel at pumps without a valid PUC, older non-BS-VI vehicles from outside Delhi barred from entering, curbs on construction and demolition, and a work-from-home push for offices. If your PUC expires in November 2026, renew it before your next fill. Read the full list: Delhi winter action plan 2026-27.
6 Kerala: pay old traffic fines at half
Kerala's e-challan amnesty lets you clear eligible old fines at 50% between 1 November 2026 and 31 January 2027. Cases already in court and some serious offences are excluded. Check your challans on the Parivahan e-challan site. Details: Kerala e-challan amnesty.
7 Haryana's Lado Lakshmi changes
The ₹2,100 monthly benefit stays, but from 1 November 2026 it's split. ₹1,100 goes to the bank account and ₹1,000 goes into a recurring or fixed deposit. Face verification moves to once every three months, and the family income limit is ₹1.80 lakh. Full guide: Lado Lakshmi changes.
8 LPG prices on the first of the month
Oil companies review LPG cylinder prices on the first of every month. The 19 kg commercial cylinder usually moves; the 14.2 kg domestic cylinder changes less often. Check the new rate on your oil company's website or app on 1 November 2026 before paying the delivery person. If your LPG e-KYC isn't done yet, finish it at your distributor so your subsidy (if any) keeps coming.
What about UPI charges?
You might have seen messages saying UPI will be charged from November 2026. Person-to-person UPI stays free. A proposed charge on some large shop payments is on the merchant side, not the customer, and NPCI hasn't confirmed a start date yet. Here's what we know: UPI MDR on payments above ₹2,000.
Real-life examples
Example 1, a commuter near Panipat. Sunil drives through the same toll plaza every day for work. He buys the ₹1,500 local pass on 2 November 2026 and saves on daily toll.
Example 2, a retired teacher in Bhopal. Kamla, 72, does her face scan life certificate on her son's phone on 3 November 2026. No bank queue.
Example 3, a Delhi car owner. Arjun's PUC expired on 25 October 2026. He renews it on 1 November 2026 before heading to the pump.
Documents checklist
☐ RC, FASTag and address proof for the local pass
☐ Aadhaar, PPO number and bank details for the life certificate
☐ Valid PUC certificate if you drive in Delhi
☐ Challan numbers if you're using the Kerala amnesty
☐ PAN and marketplace details for GST Rule 14B
☐ LPG consumer number for checking the new cylinder rate
Final reminder
Most of these changes start on 1 November 2026, but the deadlines differ. Pensioners have until 30 November 2026, Kerala drivers until 31 January 2027. If a local rule is hurting your area, like toll plazas too close together or PUC centres missing, raise it with your MP. Find them on NetaSampark's Know Your Neta.
Frequently asked questions
Who can buy the FASTag local pass?
Owners of private cars, jeeps and vans who live within 20 km of a national highway toll plaza. It's valid only at that plaza for one year.
What is the last date for the life certificate in November 2026?
30 November 2026, for pensioners aged below 80. Those 80 and above had their window from 1 October 2026.
Will UPI payments cost me money from November 2026?
No. Person-to-person UPI stays free, and any proposed charge on large shop payments falls on the merchant, not the customer.
Do I need a PUC to buy petrol in Delhi?
Yes. Under the winter plan from 1 November 2026, pumps can refuse fuel without a valid PUC.
Will the domestic LPG price change on 1 November 2026?
Oil companies review prices every month. The domestic rate doesn't always change. Check your company's official site on that day.
Sources
• PIB, Ministry of Road Transport and Highways: Concessional local pass for residents near toll plazas
• Jeevan Pramaan, Digital Life Certificate
• Department of Telecommunications
• GST portal and CBIC
• Commission for Air Quality Management
• Saral Haryana / Sewa Haryana: Deen Dayal Lado Lakshmi Yojana