With GST reforms kicking in today, several items will now attract 0% GST. These include exercise books, erasers, pencils, crayons, sharpeners, atlases and globes. Life-saving drugs, diagnostic kits, medical oxygen, and health and life insurance premiums are also exempt. Essentials like UHT milk, pre-packaged paneer or chhena, khakhra, pizza bread and all Indian breads will now carry nil rates.