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.

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Bank Holidays Updated 3 months ago

Bank Holidays January 2026

RBI-notified bank holiday calendar for Kolkata — 4 holidays this month

Quick Summary

Banks in India close for RBI-notified national holidays plus state-specific holidays that vary by location — a holiday in Mumbai isn't always a holiday in Chennai.
This calendar shows 4 holidays for Kolkata in January 2026.
Stock exchanges (NSE/BSE) follow a separate, shorter holiday calendar — a bank holiday doesn't always mean markets are closed.
Switch the city dropdown above to see holidays specific to your state.

Holidays in Jan

Next Holiday

02 Oct

Mahatma Gandhi Jayanti

Total in 2026 (Kolkata)

Calendar Last Verified

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 — Kolkata

Plus Sundays & 2nd/4th Saturdays

1

Thu

New Year's Day / Gaan-Ngai

Aizawl, Chennai, Gangtok, Imphal, Itanagar, Kohima, Kolkata, Shillong
12

Mon

Birthday of Swami Vivekananda

Kolkata
23

Fri

Birthday of Netaji Subhas Chandra Bose / Saraswati Puja

Agartala, Bhubaneswar, Kolkata
26

Mon

Republic Day

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

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.

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.

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.

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