The Reserve Bank of India (RBI) has released the state-wise list of bank holidays for January 2026, enabling customers to plan their banking activities accordingly. Banks will be closed on specific dates in January, in addition to Sundays and the second and fourth Saturdays of each month. While national holidays are observed across the country, regional festivals and observances can vary by state, leading to differences in the holiday calendar.
Key Highlights for January 2026:
The total number of notified holiday dates in January 2026 is 1, 2, 3, 12, 14, 15, 16, 17, 23, 26. * January 1st: New Year's Day / Gaan-Ngai will be observed as a holiday in Aizawl, Chennai, Gangtok, Imphal, Itanagar, Kohima, Kolkata and Shillong. * January 2nd: New Year Celebration / Mannam Jayanthi will be a holiday in Aizawl. * January 3rd: Birthday of Hazrat Ali will be observed as a bank holiday. * January 26th: Republic Day will be a nationwide bank holiday.
Important Considerations for Bank Customers:
- Digital Banking Services: Despite physical branch closures, digital banking services such as UPI, net banking, mobile apps, and ATMs will remain fully functional. Customers can continue to perform transactions and access banking services through these online channels.
- Branch-Level Services: Services that require branch interaction, such as cheque clearing and document verification, may face delays during bank holidays. Customers are advised to plan accordingly and complete any urgent branch-related tasks in advance.
- Regional Variations: It is important to note that the holiday list can vary slightly for cooperative and regional rural banks. Customers are advised to check with their respective banks for the most accurate and updated information on holidays.
- Weekend Holidays: All Sundays and the second and fourth Saturdays of every month are regular bank holidays.
The RBI advises customers to check the official RBI Holiday Matrix for their specific city or region to get the most accurate information. Customers can also verify state government notifications and cross-check with their bank's holiday/working hours page for any local branch-level exceptions. By planning ahead and utilizing digital banking services, customers can minimize any inconvenience caused by bank holidays in January 2026.
