Across India, banks observe holidays on specific days, and it's useful to know these dates before planning a visit to your local branch. It is important to note that bank holidays vary across different states and union territories. Besides national holidays, regional holidays also lead to bank closures. Furthermore, banks are closed on the second and fourth Saturdays of every month. If a month has five Saturdays, the fifth Saturday will be a working day.

Here's a breakdown of what to keep in mind:

• National Holidays: These are observed throughout India. Republic Day on January 26th is one such holiday in January 2026. Independence Day, typically observed on August 15th, is another.
• State/Regional Holidays: These holidays differ based on the specific state or region. For example, ভাSan Basanta Panchami/Saraswati Puja is being observed on January 23, 2026, in Odisha, Tripura and West Bengal.
• Saturday Closures: Banks are closed on the second and fourth Saturdays of each month.

Navigating Bank Holidays

To avoid inconvenience, customers should check the specific holiday lists provided by their banks or refer to the official Reserve Bank of India (RBI) holiday calendar. Many banks also provide updated holiday information on their websites and mobile applications. Customers can also conduct their banking activities online. Most banks offer services such as fund transfers, account statements, and bill payments through their online portals and mobile apps.

Upcoming Bank Holidays in 2026

A few of the holidays to keep in mind for the coming months include:

• February: Maha Shivaratri is on February 15th.
• March: Holi is on March 3rd.
• April: Good Friday is on April 3rd and Dr. Babasaheb Ambedkar Jayanti is on April 14th.

It is important to remember that the exact dates and applicability of these holidays can vary by state. For example, while Good Friday is a holiday in many states, its observance may differ in some regions. Similarly, some regional holidays like Biju Festival and Garia Puja in Tripura, and Bohag Bihu in Assam, may only be applicable in those specific states.

By staying informed and planning ahead, individuals can efficiently manage their banking needs and avoid any disruptions due to bank holidays. Checking with your specific bank and consulting the RBI's official holiday calendar are recommended for the most accurate and up-to-date information.