Are banks closed on the 2nd and 4th Saturday every month?

Yes. Under RBI rules, all scheduled commercial banks in India are closed on the 2nd and 4th Saturday of every month, in addition to every Sunday. The 1st, 3rd and 5th Saturdays are working days.

Do bank holidays affect UPI, NEFT, IMPS or net banking?

No. Bank holidays only close physical branches. Digital services — UPI, IMPS, net banking, mobile banking and ATM withdrawals — continue to work as usual, though NEFT/RTGS batch settlement timings can vary on holidays.

Do bank holidays differ by city or state?

Yes. RBI notifies bank holidays separately for each city/state under the Negotiable Instruments Act, 1881. National holidays like Republic Day, Independence Day and Gandhi Jayanti apply everywhere, but festival holidays (Holi, Onam, Durga Puja, Bihu, etc.) vary by region.

event_busy Bank Holidays

Bank Holidays January 2026

RBI-notified bank holiday calendar for Chennai — 5 holidays this month

Holidays in Jan

Next Holiday

15 Aug

Independence Day / Parsi ...

Total in 2026 (Chennai)

Last Updated

07 Jul 2026

All India Mumbai New Delhi Kolkata Chennai Bengaluru Hyderabad Ahmedabad Jaipur Lucknow Patna Thiruvananthapuram Chandigarh Bhubaneswar

All Months Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

January 2026 — Chennai

Plus Sundays & 2nd/4th Saturdays

1

Thu

New Year's Day / Gaan-Ngai

Aizawl, Chennai, Gangtok, Imphal, Itanagar, Kohima, Kolkata, Shillong
15

Thu

Uttarayana Punyakala / Pongal / Maghe Sankranti

Bengaluru, Chennai, Gangtok, Hyderabad, Vijayawada
16

Fri

Thiruvalluvar Day

Chennai
17

Sat

Uzhavar Thirunal

Chennai
26

Mon

Republic Day

All India (except Bhopal, Chandigarh, Dehradun, Kanpur, Srinagar)

event_repeat

2nd & 4th Saturdays

Banks are closed nationwide on the 2nd and 4th Saturday of every month, plus every Sunday. Only the 1st, 3rd and 5th Saturdays are working days.

phone_android

Digital Banking Stays On

UPI, net banking, mobile banking and ATMs work as usual on bank holidays. Only physical branch visits and certain NEFT/RTGS batch timings are affected.

location_city

Regional Holidays Vary

RBI notifies holidays city-wise under the Negotiable Instruments Act. Select your city above to see local festival closures alongside national holidays.

FD Rates Gold Rate Today IPO Dashboard Petrol Price Today

Source: RBI Holiday Matrix, as notified under the Negotiable Instruments Act, 1881. Festival dates may shift with official government notification. Last updated: 07 July 2026.