(Mumbai/Delhi): If you have pending bank work—like depositing a cheque, updating KYC, or accessing a locker—you might want to rush to your branch before Friday (Jan 9).
A major cluster of holidays is approaching next week. Due to the Second Saturday rule combined with the Makar Sankranti/Pongal festive season, banks in several states will remain closed for up to 5 days intermittently between January 10 and January 16.
Here is the complete state-wise breakdown to help you plan.
The “Long Weekend” (Jan 10 – Jan 12)
The holiday streak begins this weekend itself.
- January 10 (Saturday): CLOSED Nationwide (Second Saturday).
- January 11 (Sunday): CLOSED Nationwide (Weekly Off).
- January 12 (Monday):CLOSED in West Bengal (Swami Vivekananda Jayanti).
- Note for Kolkata: Banks will be closed for 3 continuous days (Sat-Sun-Mon).
Festival Holidays (Mid-Week Closures)
Mid-week operations will be hit in South India and Gujarat due to the harvest festivals.
| Date | Day | Occasion | Banks Closed In (Major States) |
| Jan 14 | Wednesday | Makar Sankranti / Magh Bihu | Gujarat, Tamil Nadu, Assam, Karnataka |
| Jan 15 | Thursday | Pongal / Thiruvalluvar Day | Tamil Nadu, Andhra Pradesh, Telangana |
| Jan 16 | Friday | Uzhavar Thirunal | Tamil Nadu |
| Jan 23 | Friday | Netaji Subhas Chandra Bose Jayanti | West Bengal, Odisha, Tripura |
Important: Digital Banking is OPEN
Even if the physical branches are closed, you can continue your transactions seamlessly:
- ATMs & Cash Deposit Machines: Fully operational.
- UPI / Net Banking: 24×7 service available.
- Cheque Clearing: Cheques dropped on Jan 9 (Friday) after cut-off time will likely be cleared only on Jan 13 (Tuesday) or Jan 17 (Saturday) depending on your state.
FAQs
A: Yes. As per RBI guidelines, the second Saturday of every month is a mandatory holiday for all private and public sector banks in India.
A: Mumbai: No, Jan 14 is generally a working day unless specified locally, though Gujarat banks are closed.
Delhi: Banks usually remain OPEN on Makar Sankranti, but staffing might be low.
A: The next nationwide bank closure is on Monday, January 26, 2026, for Republic Day.
Disclaimer: The holiday list above is based on the Reserve Bank of India (RBI) holiday calendar for January 2026. Regional holidays may vary depending on state government notifications. Please check with your local branch for confirmation.
