These can directly or indirectly impact your banking habits, pocket or everyday life. This is simply because the Central Government as well as many authorities have announced a series of changes to digital payments,   farm laws, social media, banking and many more.

Let us find out what all will undergo changes from January 1, 2026.

Financial Rules Change from 1st January 2026: PAN-Aadhaar Link

Every Indian citizen is required to link his or her permanent account number and Aadhaar card. If the link is not made, many related services may not be accessible anymore.

Cheaper Loans, Better FD Rates

Many banks have already started promoting reductions in loan interest rates that would make loans such as personal loans, vehicle loans, education loans and home loans cheaper than ever before. Moreover, fixed deposits would earn more interest that would be beneficial for everyone.

Financial Rules Change from 1st January 2026: Credit Score Will Now Change Faster

Credit score will now be updated after every week and not after 15 days as before. This will help banks and financial institutions make better financial decisions, while also helping loan seekers to get quicker loans.

Strictness on UPI and Digital Payments

The government is expected to put a series of stringent rules and regulations in place to prevent digital frauds. For this, SIM verification and digital identification would be given utmost preference.

Age Limit On Social Media

The government is possibly planning some stringent actions on the use of social media platforms for children before the age of 16 years. The new set of rules may include age verification and parental consent so that children’s online security can be enhanced.

Ban On Petrol-Diesel Vehicles

Old petrol-diesel vehicles may be banned or face stringent actions to prevent growing pollution. This can affect cab, delivery and logistic services.

New Rules For Farmers

Under PM Kisan Schemes, beneficiaries would not be required to possess farmer IDs in some states. Furthermore, damage caused due to wild animals will be reimbursed within a stipulated time.