With the end of October and the beginning of November, many rules will change from November 1, which will affect everyday expenses. Here's a look at six major changes:

1. LPG cylinder prices: Every month, oil companies revise LPG prices. On November 1, they may adjust the prices of 14 kg domestic cylinders, which have remained stable recently. However, commercial cylinder rates are rising, the last increase in Delhi was Rs 48.50 on October 1.

2. ATF, CNG, and PNG rates: Oil companies also adjust the rates of Air Turbine Fuel (ATF), CNG, and PNG on the first of every month. ATF prices have seen a decline in recent months, and this time prices are expected to come down in the festive season. CNG and PNG rates may also change.

3. SBI Credit Card Rules: SBI Cards, a subsidiary of the State Bank of India, will implement changes for credit card users. From November 1, unsecured SBI credit cards will attract a monthly finance charge of 3.75%. In addition, payments above Rs 50,000 for utilities such as electricity and gas will attract a 1% fee.

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

5. New Telecom Rules: The government has directed telecom providers such as Jio and Airtel to implement message traceability to prevent spam. Telecom companies will block spam numbers, restricting their messages from reaching users.

6. Bank 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.