As October ends and November begins, several rule changes will take effect on November 1, impacting everyday spending. Here’s a look at six major changes:

1. Price of LPG cylinders: Every month, oil companies review LPG prices. On November 1, they could adjust the prices of the 14 kg domestic bottle, which have remained stable recently. Commercial cylinder rates have, however, increased, with the latest increase of Rs 48.50 in Delhi on October 1.

2. ATF, CNG and PNG rates: Oil companies also adjust jet fuel (ATF), CNG and PNG rates on the first of every month. Recent months have seen a drop in ATF prices, and a festive reduction is expected this time. CNG and PNG rates could also change.

3. SBI Credit Card Rules: SBI Card, a subsidiary of State Bank of India, will implement changes for credit card users. Starting November 1, unsecured SBI credit cards will attract a monthly finance charge of 3.75%. Additionally, payments above Rs 50,000 for utilities like electricity and gas will incur a 1% charge.

4. Mutual Fund Regulations: Market regulator SEBI will introduce stricter insider trading rules for mutual funds. From November 1, AMCs will have to report transactions above Rs 15 lakhs involving nominees or relatives to compliance officers.

5. New telecoms rules: The government has asked telecom providers like Jio and Airtel to implement message tracking to combat spam. Telecommunications companies will block spam numbers, preventing their messages from reaching users.

6. Public holidays: Banks will be closed for 13 days in November due to public holidays and elections. However, online banking services will remain available 24/7 for users to manage their transactions.

These changes aim to regulate various sectors and may affect consumer spending and access to services.