Official RBI bank holiday list for 2026, state-wise and month-wise, plus a live "is the bank open today" checker for India.
🟢 Open today 🔴 Closed today
This list follows the Reserve Bank of India's Negotiable Instruments Act holiday declarations, imported once a year from RBI's published Holiday Matrix. Banks are also closed every Sunday and on the 2nd and 4th Saturday of each month.
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Check the live status widget at the top of this page, it checks today's date against the national and (once you pick your state) regional holiday calendar automatically. A bank can also be shut for a purely local or regional reason this page doesn't track, so a quick call to the branch is worth it for anything time-sensitive.
No, only the 2nd and 4th Saturday of each month, an RBI rule that applies nationwide alongside every Sunday. The 1st, 3rd and 5th Saturdays (when a month has one) are normal working days for bank branches.
National holidays (Republic Day, Independence Day, Gandhi Jayanti) close every branch in the country. Regional festival holidays, Onam, Pongal, a state's own formation day, only close branches in the states that observe them, so the same date can be a working day in one state and a holiday in another.
Yes. Only branch-counter services, cheque processing and anything needing a bank employee's sign-off stop on a holiday. ATMs and digital transactions (UPI, IMPS, net banking) generally keep working as normal.
It doesn't clear any faster once the holiday ends - it simply resumes its normal 2 to 3 working day clearing cycle starting from the next working day after the holiday, not the holiday itself.
The Reserve Bank of India's own Negotiable Instruments Act holiday declarations, published as RBI's yearly Holiday Matrix and imported here once a year.
A bank holiday is a day banks keep their branches closed to walk-in customers, either everywhere in India or in specific states, following a list the Reserve Bank of India issues each year that combines national holidays, state-specific festivals, and RBI's own designated closure days. Banks close because staff get the same public holidays as everyone else, and because certain days are set aside specifically to give the sector a uniform, predictable closure calendar rather than each bank deciding independently. On a bank holiday, ATMs keep working as usual and online or mobile banking (UPI, NEFT, IMPS, net banking) generally keeps running too, only branch-counter transactions, cheque processing at the branch, and anything needing a bank employee's manual sign-off actually stop. India sees roughly 60 to 65 bank holidays across a full year once every state's own regional and festival holidays are counted, though which specific days apply depends heavily on which state a particular branch sits in.
National holidays, Republic Day (26 January), Independence Day (15 August), Gandhi Jayanti (2 October), close every bank branch across the entire country on the same day, no exceptions by state. Regional and state holidays are different: a festival like Onam, Pongal, Bihu or a state's own formation day closes banks only in the specific states that observe it, so a branch in Kerala might be shut for a festival that a branch in Punjab treats as a completely normal working day. On top of both of these, RBI's own rule closes every bank on the second and fourth Saturday of each month nationwide, alongside every Sunday, a fixed weekly pattern that applies regardless of any festival calendar. Because the regional layer varies so much by state, the only reliable way to know if a specific branch is open on a specific date is checking that state's own holiday list rather than assuming a national calendar covers everything.
Anything that needs a bank employee, a cheque deposit, a large cash withdrawal at the counter, an in-branch fund transfer, should be handled a working day or two ahead of a known holiday rather than assumed to be possible on the day itself. A cheque deposited right before a holiday doesn't vanish into a longer wait forever, it simply starts its normal 2-3 working day clearing clock from the next working day after the holiday, rather than the holiday itself. Digital transactions largely sidestep this: UPI, IMPS and net banking transfers generally still go through on a bank holiday since they run on automated systems rather than branch staff, though NEFT and RTGS batch processing can occasionally be affected depending on the bank, worth confirming directly with your bank if a large time-sensitive transfer falls right on a holiday.
RBI and individual banks publish the full year's holiday list well in advance, so checking a state's calendar for the months ahead, rather than being surprised by a closed branch, is entirely avoidable with a few minutes of planning. Long weekends deserve particular attention: a holiday that falls on a Monday or Friday effectively creates a 3-day stretch with no branch access, so withdrawing cash or completing a branch transaction the working day before is worth doing deliberately rather than assuming a quick trip will still be possible. Anyone dealing with a bank branch outside their home state, for business, property, or family reasons, should check that specific state's holiday calendar rather than their own, since the regional festival days that matter can be completely different from one state to the next.
Business impact: A cheque submitted right before or on a bank holiday doesn't clear any faster once the holiday ends, it simply resumes its normal 2 to 3 working day clearing cycle starting from the next working day, which can genuinely delay a payment a business was counting on. Payroll processing follows a similar pattern: if a company's scheduled salary transfer date lands on a bank holiday, the credit to employee accounts typically shifts to the next working day, a real, if usually minor, one-day delay that HR and finance teams plan around every payroll cycle. Businesses with predictable cash flow needs, meeting supplier payments, covering payroll, settling short-term obligations, generally build the bank holiday calendar into their planning well ahead of time rather than treating each holiday as a surprise, since the dates are published a full year in advance. Working capital planning around a long holiday stretch, several consecutive non-working days around a major festival, matters even more for businesses that rely on same-day or next-day bank transfers to keep operations running smoothly.
Personal finance impact: A loan EMI or bill payment due on a bank holiday is usually still auto-debited without penalty, most banks and NBFCs treat the next working day as the effective due date for that cycle, but it's worth confirming with your specific lender rather than assuming, since policies do vary. A fixed deposit maturing on a bank holiday similarly gets credited on the next working day rather than the holiday itself, a short, harmless delay rather than a lost day of interest in most cases. The most practical everyday impact is simpler than any of this: needing cash or a branch transaction on a day that turns out to be a holiday, particularly a regional one you didn't know about, is avoidable by checking this page's calendar before a trip to the bank rather than after finding the shutters down.
Real count from this page's own 97-holiday calendar for 2026: 5 national holidays (every branch closed) and 92 state/regional holidays (closure depends on the branch's state). The weekly 2nd and 4th Saturday closure isn't counted here, it applies every month regardless of the festival calendar.
| Month | National | State/Regional |
|---|---|---|
| January | 1 | 9 |
| February | 0 | 3 |
| March | 0 | 11 |
| April | 1 | 7 |
| May | 0 | 6 |
| June | 0 | 5 |
| July | 0 | 6 |
| August | 1 | 7 |
| September | 0 | 8 |
| October | 1 | 10 |
| November | 0 | 8 |
| December | 1 | 12 |