As December 2025 nears its end, many are wondering about bank operating hours, especially with the holidays. Here's a breakdown of what to expect for Saturday, December 27th, and a peek into January 2026.

Are Banks Open Today, Saturday, December 27th?

No, most banks are closed today, Saturday, December 27, 2025. This is because it is the fourth Saturday of the month. According to the Reserve Bank of India (RBI) guidelines, banks are typically closed on the second and fourth Saturdays of each month. The first, third, and fifth Saturdays are usually working days unless otherwise specified.

Normal Operations Continue Digitally

Even though physical branches are closed, digital banking services remain operational. Customers can still access UPI, mobile banking, and internet banking for their transactions. However, services like cheque clearing and other branch-specific tasks may face delays.

December 2025 Bank Holidays

December 2025 saw several state-specific holidays affecting bank operations. Some of these included observances like State Inauguration Day/Indigenous Faith Day, Feast of St. Francis Xavier, death anniversaries of Pa Togan Nengminja Sangma and U SoSo Tham, Goa Liberation Day, Losoong/Namsoong, Christmas Eve, Christmas, Christmas Celebration, death anniversary of U Kiang Nangbah, and New Year's Eve/Imoinu Iratpa.

Bank Holiday List for January 2026

Looking ahead to January 2026, there are several holidays to note. These holidays vary by state and include national holidays and festivals. Here's a quick rundown:

• January 1, 2026: New Year's Day - Observed in multiple states.
• January 14 to 17, 2026: Makar Sankranti, Pongal, Magh Bihu - Celebrated on different days depending on the state.
• January 23, 2026: Netaji Subhas Chandra Bose Jayanti - Celebrated in certain states.
• January 26, 2026: Republic Day - A national holiday observed throughout India.

In addition to these, banks will also be closed on the second and fourth Saturdays of January, which fall on January 10th and January 24th, respectively. Sundays are also weekly bank holidays. Depending on the state, there could be up to 8-10 bank holidays in January 2026, excluding Sundays and the second and fourth Saturdays.

Planning Ahead

With a number of holidays coming up, it's wise to plan any bank-related tasks accordingly. Checking the specific holiday list for your state can help avoid any last-minute inconveniences. Remember that while physical branches may be closed, online banking services usually remain available.