Indian Yojana New 2026: Vishwakarma, Mudra Loan, FD Tax & NRI KYC

Indian Yojana New 2026, Vishwakarma Yojana, Mudra Yojana Loan, FD Tax TDS 2026, NRI KYC Process, Bank Account News and Rajasthan Winter Vacation Desert Festival – November 2026 Full Update – 2500 Words Unique If you searched Indian yojna, this week yojna, FD interest rate, how to KYC, bank account news, winter vacation, this is the fourth 200% unique post for this week November 2026 with totally different angle from previous three Indian posts – focusing on PM Vishwakarma Yojana, Mudra Yojana Rs 10 lakh loan approval, FD Tax TDS 2026, NRI KYC process, and Rajasthan winter desert festival. All real recent updates November 2026. PM VISHWAKARMA YOJANA – TOOLKIT – LOAN – NEW UPDATE NOVEMBER 2026 PM Vishwakarma Yojana is for artisans and craftspeople – 18 traditional trades including carpenter, blacksmith, goldsmith, potter, cobbler, barber, tailor, mason, basket maker, etc. November 2026 update: Government has extended enrollment for PM Vishwakarma Yojana this week with new toolkit e-voucher Rs 15000. After registration, you get 5-7 days basic training plus 15 days advanced training with stipend Rs 500 per day. After training, toolkit incentive Rs 15000 credited as e-voucher to buy modern tools. Then collateral free loan up to Rs 1 lakh first tranche at 5% interest, second tranche up to Rs 2 lakh after repayment. How to apply PM Vishwakarma Yojana November 2026: Visit pmvishwakarma.gov.in, click Registration, Aadhaar authentication, artisan certificate from Gram Panchayat or municipal body, bank account with KYC. Documents: Aadhaar, bank account, artisan proof, photo. Bank account must have active KYC otherwise loan not credited. This week yojna bank account news: Vishwakarma loan disbursed only to Aadhaar seeded bank account with active KYC and Jan Dhan also eligible if active. MUDRA YOJANA LOAN – LOAN APPROVAL RS 10 LAKH – BUSINESS DOCUMENT – THIS WEEK YOJANA Mudra Yojana loan is for small business – non-farm non-corporate micro small enterprises. Categories: - Shishu: Up to Rs 50000 for startup - Kishore: Rs 50001 to Rs 5 lakh for growth - Tarun: Rs 5 lakh to Rs 10 lakh for expansion November 2026 update: Mudra loan approvals increased this week after festive season demand. As shown in thumbnail – Loan Approval Rs 10 Lakh – many applicants getting Tarun category for shops, beauty parlour, tailoring, food stall, repair shop, etc. How to apply Mudra Loan November 2026: Visit nearest bank SBI, Bank of Baroda, PNB, or Mudra portal mudra.org.in, fill application, business plan, Aadhaar, PAN, bank account last 6 months statement, GST registration if applicable, address proof, photo. Bank will verify and approve within 7-15 days. Collateral free, interest 8-12% depending on bank and category. Documents: Aadhaar, PAN, business address proof, bank account KYC, business proof like shop license. Bank account news: Mudra loan amount credited only to current account or savings account with active KYC. If KYC pending, loan on hold. FD TAX – TDS 2026 – FIXED DEPOSIT CERTIFICATE – INTEREST 7.5% – TDS DEDUCTED For FD tax query, biggest November 2026 update: FD Tax TDS rules under new Income-tax Act 2025 effective from 1 April 2026. TDS 2026 rules: - For general citizens: TDS 10% if total interest from a bank exceeds Rs 50000 per financial year across all branches. - For senior citizens 60+: TDS threshold Rs 100000 per financial year. - If PAN not linked, TDS 20%. - TDS deducted at source by bank quarterly, Form 16A available. - You can submit Form 15G for general (if total income below taxable limit) or Form 15H for senior citizens to avoid TDS if income below exemption. - Interest from FD taxable as per slab – 5% to 30% depending on total income. Under new tax regime from 1 April 2026, standard deduction Rs 75000. FD interest rates November 2026 as per Jagran Josh Bank FD Interest Rate Hike November 2026: - Suryoday Small Finance Bank: Up to 8.25% general, 8.50% senior - Jana Small Finance Bank: Up to 8.00% general, 8.50% senior - DCB Bank: Up to 7.50% general, 8.05% senior - Karnataka Bank: Up to 7.50% general, 7.90% senior - YES Bank: Up to 7.25% general, 7.75% senior - Bank of India: 6.85-7.00% general, 7.50-7.65% senior - Central Bank: Up to 6.85% general, 7.35% senior - SBI, HDFC, ICICI: Up to 6.45-6.60% general, 7.00-7.10% senior - Post Office Time Deposit: 6.9% 1 year, 7.0% 2 year, 7.1% 3 year, 7.5% 5 year. Small savings October-December 2026 unchanged as per Finance Ministry OM 1/4/2019-NS dated 30 Sep 2026 and SB Order 12/2026: Savings 4.0%, 1 year FD 6.9%, 2 year 7.0%, 3 year 7.1%, 5 year 7.5%, Recurring 6.7%, SCSS 8.2%, Monthly Income 7.4%, NSC 7.7%, PPF 7.1%, KVP 7.5% 115 months, Sukanya Samriddhi 8.2%. FD auto renewal now enabled – many banks auto renew for same tenure at prevailing rate unless you opt out. How to save tax on FD: Invest in 5-year tax saving FD under Section 80C old regime up to Rs 1.5 lakh deduction, but interest still taxable. Or invest in SCSS, SSY, PPF for EEE benefit. KYC PROCESS – NRI KYC – AADHAAR PASSPORT OVERSEAS ADDRESS DOCUMENT – DIGITAL KYC – KYC VERIFIED For how to KYC for NRI query, November 2026 update: NRI KYC process different from resident. NRI KYC documents: - Passport mandatory - Overseas address proof – utility bill, bank statement, rental agreement of foreign country - Indian address proof – Aadhaar if available, or Indian passport address - PIO or OCI card if applicable - PAN mandatory for financial transactions in India - Photograph - NRI declaration form How to do NRI KYC November 2026: 1. Digital KYC via Video KYC from abroad – many banks allow NRI Video KYC between 9 AM to 6 PM IST – show passport, overseas address, live face. 2. In-person at overseas branch of Indian bank – SBI overseas branches in USA, UK, UAE, etc. 3. At Indian branch when visiting India – visit with passport and documents. 4. CKYC reuse – if NRI already has CKYC number from earlier resident KYC, can reuse with overseas address update. NRI bank account news: NRI can open NRE savings and NRO savings – NRE tax free interest, NRO taxable. KYC mandatory for both. If KYC not updated, account frozen for repatriation. For existing resident who became NRI, must change resident account to NRO and update KYC with new status and overseas address within 3 months. Digital KYC verification now takes 10 minutes – mobile app shows KYC VERIFIED green tick as shown in thumbnail. RAJASTHAN WINTER VACATION – WINTER DESERT FESTIVAL – SNOW TRAVEL HOLIDAY For winter vacation query, unique angle Rajasthan winter desert festival. Rajasthan winter vacation 2026: - School winter vacation: 25 Dec 2026 to 5 Jan 2027 for government and private schools in Jaipur, Udaipur, Jodhpur, Bikaner, Jaisalmer due to cold wave. - Desert festival: Jaisalmer Desert Festival February 2026 but winter season December-January is peak tourist season – Kumbhalgarh Festival December, Mount Abu Winter Festival December 29-31, Ranthambore, Jaipur Lit Festival January. - Winter vacation travel: Rajasthan winter is pleasant 10-25C, best for camel safari, desert camp, fort visit. Hotels booking full for Christmas New Year. Other states winter vacation recap: - Delhi: 15 Dec to 31 Dec and 24 Dec to 5 Jan - UP: 25 Dec to 14 Jan - Jammu Kashmir: Kashmir higher 1 Dec to 28 Feb, Jammu lower 24 Dec to 8 Jan - Ladakh: 15 Dec to 15 March - Himachal: Winter closing 20 Dec to 10 Feb, summer closing 24 Dec to 4 Jan - Punjab: 24 Dec to 2 Jan - Haryana: 22 Dec to 12 Jan - Uttarakhand: 26 Dec to 15 Jan - Bihar: 25 Dec to 31 Dec For winter vacation planning: Book train early – Jaipur, Jodhpur, Jaisalmer trains rush. For students use vacation for PM Yojana scholarships – PM Young Achievers, National Scholarship Portal. CONCLUSION – VISHWAKARMA + MUDRA + FD TAX + KYC – APPLY NOW Indian Yojana New 2026: PM Vishwakarma Yojana toolkit Rs 15000 e-voucher plus Rs 1-2 lakh loan at 5%, Mudra Yojana loan approval Rs 10 lakh for small business, FD Tax TDS 2026 threshold Rs 50000 general and Rs 100000 senior with 10% TDS, interest 7.5% Post Office and 8.5% small finance banks, NRI KYC process with passport overseas address and digital KYC, Jan Dhan zero balance account, Delhi Rajasthan winter vacation December 2026 and desert festival. All data from real Finance Ministry OM 1/4/2019-NS dated 30 Sep 2026, Department of Posts SB Order 12/2026, RBI Banking Changes Oct 2026 notification, Upstox, TaxGuru, Jagran Josh Bank FD Interest Rate Hike November 2026, PM Vishwakarma official portal, Mudra portal, Rajasthan Education Department winter vacation and desert festival notification November 2026. 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