Bank holidays in India are crucial not just for employees in the banking sector, but also for customers, business owners, and financial planners. With different types of holidays including national holidays, state-specific holidays, second and fourth Saturdays, and Sundays, keeping track of bank closures becomes essential.
In this comprehensive guide, we explore the complete bank holiday list for 2025, types of bank holidays, state-wise breakdowns, how they affect banking services, and how to stay updated using official sources.
📌 Table of Contents
- What Are Bank Holidays?
- Types of Bank Holidays in India
- Why Bank Holidays Matter?
- Full Bank Holiday List 2025 (Month-wise)
- State-Wise Bank Holiday Calendar 2025
- Second & Fourth Saturdays and Sundays
- RBI’s Official Holiday List – Why It’s Important
- How to Stay Updated on Bank Holidays?
- FAQs on Bank Holidays
- Final Thoughts & Travel Tips
💡 What Are Bank Holidays?
Bank holidays are the days on which banks remain closed for public transactions. These can include national holidays, religious festivals, regional celebrations, and weekends.
While national holidays are uniform across the country, regional holidays vary from state to state based on local customs and religious observances.
📂 Types of Bank Holidays in India
Bank holidays fall under three broad categories:
| Type | Examples | Applicability |
|---|---|---|
| National Holidays | Republic Day, Independence Day | All India |
| State/Regional Holidays | Pongal, Bihu, Baisakhi | State-specific |
| Weekend Holidays | 2nd & 4th Saturdays, Sundays | All Banks |
🧭 Why Bank Holidays Matter?
- Bank Customers: Need to plan visits for cash withdrawals, cheque deposits, or demand drafts.
- Businesses & Traders: Need to plan B2B transactions accordingly.
- Loan EMIs & Bills: May affect payment cycles.
- Travel Planners: Use long weekends for vacation.
Pro Tip: Use bank holidays to align your weekend getaways or big transactions!
📅 Full Bank Holiday List 2025 (Month-wise Overview)
Here’s a detailed month-wise list of bank holidays in India for 2025.
🗓️ January 2025
- January 1 (Wednesday): New Year’s Day – Select States
- January 14 (Tuesday): Makar Sankranti / Pongal
- January 26 (Sunday): Republic Day – National Holiday
(Add each month similarly with dates + occasion)
Link to source ➤ RBI Official Holiday Matrix
🏞️ State-Wise Bank Holiday Calendar 2025
Every Indian state celebrates different festivals. Here’s how bank holidays vary across some key states:
| State | Festival Holiday | Date |
|---|---|---|
| Tamil Nadu | Pongal | Jan 14 |
| Maharashtra | Gudi Padwa | April 9 |
| West Bengal | Durga Puja | Oct 2–6 |
| Kerala | Onam | Sep 5 |
| Gujarat | Navratri | Oct 2–10 |
Reference: Union Bank’s Official Holiday List
📆 Saturdays and Sundays
In India, banks remain closed:
- Every Sunday
- Second and Fourth Saturdays
| Month | Saturdays Off | Total Off Days |
|---|---|---|
| January | Jan 11, Jan 25 | 8 |
| February | Feb 8, Feb 22 | 8 |
| … | … | … |
📊 RBI’s Official Holiday Classification
RBI categorizes holidays under:
- Negotiable Instruments Act
- Real Time Gross Settlement Holidays
- Banks’ Closing of Accounts
You can access RBI’s official list for all regions here:
👉 Visit RBI Holiday Page
🔔 How to Stay Updated on Bank Holidays?
Here are a few ways to track upcoming holidays:
- Use RBI’s official portal.
- Follow Economic Times Wealth:
View their holiday list - Enable Google Calendar Notifications.
- Use Mobile Apps like “Indian Holiday Calendar” or “Bank Holiday India 2025”.
❓ FAQs on Bank Holidays
Q. Are ATMs working during bank holidays?
Yes, ATMs and digital banking services (UPI, NetBanking) remain operational.
Q. Are all banks closed on state holidays?
Not always. Only banks in the respective states observe those holidays.
Q. Can I make NEFT/RTGS transactions on holidays?
NEFT may work with delays. RTGS and branch-based services don’t work.
Q. Can I still transfer using UPI on a bank holiday?
Yes, UPI and IMPS work 24×7
🔚 Final Thoughts
Bank holidays in India are more than just time-offs—they impact financial planning, business operations, and travel. Being aware of these dates helps you plan better, avoid delays, and enjoy uninterrupted services.
Whether you’re a salaried employee, entrepreneur, student, or retiree, bookmark this page and refer to it throughout the year.
✅ Bonus: Download Printable 2025 Bank Holiday PDF
Want an easy-to-access list?
👉 Download the 2025 PDF Calendar of Bank Holidays (Coming Soon)
🔗 External SEO Links Included:
Would you like:
- A downloadable PDF version of this blog?
- Web story slides based on this blog?
- Image generation for placeholders?
Swathi Reddy: The Girl-Next-Door Who Won South India’s Heart
