New Delhi, Sept. 28 -- October brings changes affecting ATM use, large deposits, digital payments, pensions and cooking gas subsidies. Most start on 1 October while the UPI change starts on 15 October.

SBI's 'salary package' customers will get fewer free transactions at other banks' ATMs. Their monthly allowance falls from 10 to 5 across all locations. Both cash withdrawals and services such as balance enquiries count towards this limit.

Afterwards, each cash withdrawal costs Rs.23 plus GST. Each non-financial transaction costs Rs.11 plus GST. These come into effect on 1 October.

Salary package customers continue enjoying unlimited free transactions at SBI's own ATMs. Rules for other account categories remain unchanged.

Banks must pub...