The first month of the year brings new beginnings — and with it, several Bank Holidays in January 2026 across India. As offices reopen after the festive season, it’s wise to plan your financial tasks and travel in advance.
Every year, the Reserve Bank of India (RBI) announces an official list of holidays applicable to public, private, and cooperative banks under the Negotiable Instruments Act, 1881. These holidays include national observances, regional festivals, and regular weekends like the second and fourth Saturdays.
This comprehensive post highlights all Bank Holidays in January 2026, covering both national and state-specific closures — useful for individuals, businesses, and travelers alike.
📅 List of Bank Holidays in January 2026
Below is the indicative list of Bank Holidays in India for January 2026, based on the RBI’s annual holiday structure and regional calendars:
| Date |
Day |
Holiday |
States / Regions Observing |
| January 1, 2026 |
Thursday |
New Year’s Day |
Most States (Goa, Tamil Nadu, Karnataka, Maharashtra, Kerala, Assam, Meghalaya) |
| January 10, 2026 |
Saturday |
Second Saturday (Bank Holidys) |
All India |
| January 14, 2026 |
Wednesday |
Makar Sankranti / Pongal / Lohri / Magh Bihu |
Pan India (varies by state) |
| January 15, 2026 |
Thursday |
Thiruvalluvar Day |
Tamil Nadu |
| January 16, 2026 |
Friday |
Uzhavar Thirunal / Bihu Celebration |
Tamil Nadu, Assam |
| January 23, 2026 |
Friday |
Netaji Subhas Chandra Bose Jayanti |
West Bengal |
| January 24, 2026 |
Saturday |
Fourth Saturday (Bank Holidys) |
All India |
| January 26, 2026 |
Monday |
Republic Day (National Holiday) |
All India |
👉 All Sundays in January 2026 are weekly bank holidays nationwide.
🏛️ RBI and Bank Holiday Rules
As per RBI regulations, all banks in India — including SBI, Union Bank, Bank of Baroda, HDFC, ICICI, and Axis Bank — will observe:
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Every Sunday as a weekly holiday
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Second and Fourth Saturdays as closed days
-
Public holidays under state or national laws
However, digital banking services (UPI, NEFT, IMPS, ATMs) will continue functioning 24×7, even during Bank Holidys.
🌍 State-wise Bank Holidays in January 2026
1. Maharashtra (Mumbai, Pune, Nagpur)
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January 1 – New Year’s Day
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January 10 – Second Saturday
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January 14 – Makar Sankranti
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January 24 – Fourth Saturday
-
January 26 – Republic Day
2. Delhi / NCR
-
January 10 – Second Saturday
-
January 24 – Fourth Saturday
-
January 26 – Republic Day
3. Tamil Nadu (Chennai, Coimbatore)
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January 1 – New Year’s Day
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January 14–16 – Pongal Festival, Thiruvalluvar Day, Uzhavar Thirunal
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January 24 – Fourth Saturday
-
January 26 – Republic Day
4. West Bengal (Kolkata)
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January 10 – Second Saturday
-
January 23 – Netaji Jayanti
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January 24 – Fourth Saturday
-
January 26 – Republic Day
5. Assam (Guwahati, Dibrugarh)
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January 14–16 – Magh Bihu Festival
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January 24 – Fourth Saturday
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January 26 – Republic Day
6. Karnataka (Bengaluru, Mysuru)
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January 1 – New Year’s Day
-
January 10 – Second Saturday
-
January 24 – Fourth Saturday
-
January 26 – Republic Day
7. Kerala (Kochi, Trivandrum)
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January 1 – New Year’s Day
-
January 10 – Second Saturday
-
January 14 – Makara Vilakku
-
January 24 – Fourth Saturday
-
January 26 – Republic Day
🏦 Bank-wise Holiday Overview
Union Bank of India Holidays – January 2026
Union Bank branches will remain closed on all Sundays, second and fourth Saturdays, and on national holidays such as Republic Day. Regional branches will also observe local festivals like Pongal or Bihu, depending on state guidelines.
State Bank of India (SBI)
SBI branches across the country will follow the RBI’s official holiday list. Core banking functions will remain inactive at physical branches on holidays, but digital channels like YONO and net banking will operate normally.
Private Sector Banks (HDFC, ICICI, Axis, Kotak, etc.)
All private banks adhere to the same Bank Holidays calendar. Online and mobile services remain available 24×7 for money transfers, balance checks, and bill payments.
🎉 Major Festivals and National Holidays in January 2026
| Festival / Occasion |
Date |
Day |
States Observing |
| New Year’s Day |
Jan 1 |
Thursday |
All Major States |
| Makar Sankranti / Pongal |
Jan 14 |
Wednesday |
Pan India |
| Netaji Jayanti |
Jan 23 |
Friday |
West Bengal |
| Republic Day |
Jan 26 |
Monday |
Nationwide |
January beautifully captures India’s cultural diversity — from Lohri in Punjab, Pongal in Tamil Nadu, to Bihu in Assam, each state welcomes the new year with its unique traditions.
💡 Banking Tips for January 2026
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Complete important banking work early — especially before long weekends.
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Use online payment systems (UPI, NEFT, IMPS) during Bank Holidys.
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Plan ahead for EMI, salary, and cheque clearances — avoid last-minute processing delays.
-
Keep track of regional holidays for your local branch.
The month of January 2026 brings several Bank Holidays across India, combining national celebrations, regional festivals, and regular weekends. With Republic Day, Makar Sankranti, and Pongal marking the month, citizens can enjoy both celebration and rest.
Whether you’re managing your business transactions or planning a trip, this Bank Holidys list for January 2026 will help you stay ahead and organize your finances smartly.
Stay tuned for upcoming monthly updates like Bank Holidays in February 2026 — to ensure you’re always prepared for every festive and financial occasion!
