Planning a bank visit, a large fund transfer, or a loan disbursement? Knowing your RBI bank holidays 2026 in advance can save you from a wasted trip or a missed deadline. The Reserve Bank of India publishes a holiday schedule every year covering all scheduled commercial banks — and it's not one-size-fits-all. Holidays vary significantly by state, city, and regional observance.
Banks are closed on all specified dates below, and also on Sundays and the second and fourth Saturdays of every month. Keep that in mind when counting working days for any financial transaction.
The RBI holiday calendar combines three types of closures: national holidays observed everywhere, state-specific festival days that apply only to certain cities, and the fixed second/fourth Saturday rule that applies nationwide.
A holiday listed for "Mumbai" doesn't mean banks in Delhi are closed that day. Every table below shows exactly which cities and union territories observe each holiday — check your location before assuming. RBI regional offices also follow their own local schedules, so the same date can be a working day in one city and a full closure in another.
January has relatively few closures outside the Northeast and South — but Republic Day on the 26th is one of the widest-observed holidays of the year.
February is light on closures for most cities. If you're in Mumbai, flag the 19th — it's a full bank holiday there.
March is the busiest holiday month of the first quarter. Holi bank holidays fall across three consecutive days (2nd–4th), and Eid-ul-Fitr in late March adds closures across major commercial cities.
One thing that catches people off guard every year: the 1st April bank annual closing day applies to almost every major city. If you have a large transfer, loan disbursement, or cheque clearance pending, get it done by 31st March — banks won't process it on the 1st.
May 1st is observed across the widest range of cities in the month — if your city is listed and you're planning anything time-sensitive, work around it.
June is relatively quiet for most major banking cities. Muharram on the 26th is the most widely observed closure of the month.
July holidays are almost entirely regional — if you're not in Aizawl, Shillong, Bhubaneswar, Gangtok, or Imphal, your bank likely stays open on all these dates.
Independence Day on 15th August is the only universal closure in August — all locations observe it. Plan accordingly if that date falls within a transaction window you're tracking.
Ganesh Chaturthi creates back-to-back closures on the 14th and 15th across Maharashtra and southern cities. If you're dealing with NEFT settlements or cheque clearances in Mumbai, Nagpur, or Belapur that week, digital channels are your safest route.
October is the densest stretch of the year for bank closures. Dussehra/Durga Puja runs across four consecutive days (19th–23rd) for cities like Kolkata and Gangtok. Gandhi Jayanti on the 2nd is nationwide. Plan any critical financial deadlines well before the 19th if your city is on the list.
Diwali falls across three consecutive days (9th–11th) for most northern and western cities. Mumbai and Maharashtra observe the 10th as the main closure. Check your specific city before planning any large transactions in the second week of November.
Christmas on the 25th is observed across every location in the country. Gangtok has three consecutive Losoong / Namsoong closures from the 9th to the 11th — one of the longest single-festival stretches in the calendar.
A note on lunar calendar holidays: Festival dates tied to moon-sighting — particularly Eid, Muharram, and some northeastern observances — may shift by a day from what's listed here. Final confirmation comes from the relevant state government or the RBI's official gazette notification. Always cross-check before the date if a transaction depends on it.
Yes — all three operate around the clock, including on public holidays and Sundays. NEFT and RTGS are available 24/7 since the RBI extended their operating hours back in 2019. IMPS runs continuously regardless of the day. UPI and ATMs also stay functional. Physical branch visits and cheque clearances are the only things that don't happen on holidays — digital channels are always your backup.
They are. All scheduled and non-scheduled banks across India observe the second and fourth Saturdays of every month as full bank holidays. First, third, and fifth Saturdays are regular working days. This adds roughly 24 non-working Saturdays to the year on top of Sundays and official holidays — factor them into any deadline calculation.
There's no single national count because the total depends on your city. Most locations see between 15 and 25 festival and regional holidays under the RBI schedule, plus 52–53 Sundays and 24 second/fourth Saturdays. For a city like Mumbai or Delhi, the combined non-working days in a year typically cross 90. For cities in the Northeast like Aizawl or Shillong, it tends to be higher.
No — and this is where most people get confused. National holidays like Republic Day, Independence Day, Gandhi Jayanti, and Christmas are observed almost everywhere. Everything else is state-specific or city-specific. Diwali, for instance, is a bank holiday in Mumbai on a different date than in Kolkata. Always check the table for your specific city rather than assuming national coverage.
Yes, both work on bank holidays without any restriction. UPI transactions process instantly through the NPCI infrastructure, which doesn't observe bank holidays. ATMs are replenished on a schedule set by each bank, so availability is usually unaffected on holidays — though very high-traffic locations near festivals can run low. For anything above ATM withdrawal limits, use IMPS or NEFT through your mobile banking app instead.
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