Bank Holidays in India

🏦 Bank Holidays in India – Month-wise, State-wise & Festival-wise Calendar (All Banks, All States)

 If you often find yourself visiting the bank only to see a “Closed for Holiday” board, you’re not alone! India’s banking system observes holidays that vary by month, year, state, festival, and bank. Whether it’s New Year’s Day, Basant Panchami, Ganesh Chaturthi, or Bihu, every region celebrates in its own way — and banks follow suit.

This complete and evergreen guide gives you a clear understanding of how bank holidays in India are decided, what days are usually observed as holidays, and how to stay prepared — whether you’re in Mumbai, Delhi, Chennai, Guwahati, or any corner of India.

📅 How Bank Holidays Are Decided in India

Bank holidays in India are governed by the Reserve Bank of India (RBI) under the Negotiable Instruments Act, 1881. RBI releases an official list of holidays every year for each state and union territory, divided into three main categories:

1. Holiday under the Negotiable Instruments Act – Official gazetted holidays declared by the government.

2. Holiday under RBI directives – Holidays for accounting or banking reasons.

3. Public holidays – National or regional observances (Republic Day, Independence Day, Diwali, etc.).

Additionally, banks remain closed on:

• All Sundays

• Second and Fourth Saturdays of every month

However, ATM, Internet Banking, and Mobile Banking services remain active throughout India.

🕉️ Popular Festival Bank Holidays

Some festivals are celebrated nationwide, while others are regional:

Festival	Typical Month	Observed In
New Year	January	All India
Republic Day	January	All India
Basant Panchami	February	North & East India
Holi	March	North & Central India
Good Friday	March/April	All India
Eid-ul-Fitr	April/May	All India
Independence Day	August	All India
Ganesh Chaturthi	September	Maharashtra, Goa
Dussehra	October	All India
Diwali	October/November	All India
Christmas	December	All India

💡 How to Plan Around Bank Holidays

1. Check Month-wise Lists: Always review RBI or state circulars at the start of each month.

2. Use Digital Banking: NEFT, IMPS, UPI, and ATMs operate 24×7 even on holidays.

3. Avoid Deadlines Near Long Weekends: Submit cheques and documents early.

4. Keep Festival Calendar Handy: Many holidays shift annually based on the lunar cycle.

5. Bookmark This Page: It serves as a permanent reference for future months and years.

Bank holidays in India reflect the country’s diversity — blending national pride, local culture, and religious traditions. Whether you’re managing finances, business payments, or travel, staying updated with month-wise, state-wise, and festival-wise holidays helps you plan better.

From Assam’s Bihu to Mumbai’s Ganesh Chaturthi, and from Union Bank to SBI, one thing stays constant — India celebrates together, and the banks take a pause to celebrate too.

So, bookmark this guide and check back every month — your all-in-one reference for bank holidays in India, every month, every year, every state.