RBI Bank Holidays 2026: Complete State-Wise List

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.

RBI Holiday List 2026: How It Works and What to Expect

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.

RBI Bank Holidays January 2026

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.

RBI Bank Holidays February 2026

February is light on closures for most cities. If you're in Mumbai, flag the 19th — it's a full bank holiday there.

RBI Bank Holidays March 2026

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.

RBI Bank Holidays April 2026

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.

RBI Bank Holidays May 2026

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.

RBI Bank Holidays June 2026

June is relatively quiet for most major banking cities. Muharram on the 26th is the most widely observed closure of the month.

RBI Bank Holidays July 2026

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.

RBI Bank Holidays August 2026

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.

RBI Bank Holidays September 2026

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.

RBI Bank Holidays October 2026

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.

RBI Bank Holidays November 2026

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.

RBI Bank Holidays December 2026

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.

Frequently Asked Questions on RBI Bank Holidays 2026

Do NEFT, RTGS, and IMPS work on RBI bank holidays in 2026?

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.

Are the 2nd and 4th Saturdays bank holidays in India in 2026?

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.

How many bank holidays are there in India in 2026?

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.

Are RBI bank holidays the same across all states?

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.

Can I use UPI and ATMs on RBI bank holidays?

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.