Bank Holidays in January 2026: What You Need to Know
As we kick-off January 2026, it’s essential to be aware of the bank holiday calendar in India. Whether you’re planning to visit your local branch or manage finances online, knowing when banks are closed can save you from unnecessary trips and delays. Bank holidays can differ from state to state, creating variations in banking operations across the country.
Are Banks Closed on January 3?
On January 3, 2026, banks in Uttar Pradesh will be closed in observance of Hazrat Ali’s birthday. Typically, banks follow a schedule of being closed on the second and fourth Saturdays of every month, as per the Reserve Bank of India (RBI) calendar. This closure adds to the list of important dates for banking customers to consider.
Upcoming Bank Holidays in January
Aside from January 3, several additional holidays are scheduled for banks throughout January 2026. These holidays are significant for various cultural and religious observances, and they can vary by region.
January 12
On January 12, banks in West Bengal will be closed to celebrate the birthday of Swami Vivekananda, an influential figure in Indian history and philosophy.
January 14
Banking services will be suspended in Gujarat, Odisha, Assam, and Arunachal Pradesh on January 14, coinciding with the festivities of Makar Sankranti and Magh Bihu.
January 15
In southern states such as Karnataka, Tamil Nadu, Sikkim, Telangana, and Andhra Pradesh, banks will remain shut on January 15 for the observance of Uttarayana Punyakala, Pongal, Maghe Sankranti, and Makara Sankranti.
More to Note: January 16 and 23
January 16 marks Thiruvalluvar Day, during which banks in Tamil Nadu will be closed. Another closure follows on January 17 for Uzhavar Thirunal, continuing the holiday trend in the state. Additionally, on January 23, banks in Tripura, Odisha, and West Bengal will observe multiple festivities, including the birthday of Netaji Subhas Chandra Bose and Saraswati Puja (Shree Panchami).
Nationwide Closure on Republic Day
Lastly, on January 26, all banks across India will be closed in celebration of Republic Day. This significant national event requires planning ahead for any banking needs.
Plan Ahead for Bank Transactions
Being informed about bank holidays can significantly aid customers in planning essential financial transactions and avoiding last-minute complications. While physical branches may be closed, customers can still access banking services online through ATMs, mobile apps, and UPI for activities like fund transfers and bill payments.
Essential Services Not Available
It is important to note that transactions necessitating a physical visit to a branch—such as substantial cash deposits, cheque clearances, and issuing demand drafts—will not be available on these holidays. To avoid any hassle, account holders are advised to schedule these services in advance and utilize digital banking options during bank closures.
