Important financial alert! The RBI holiday list for January 2026 is out. With Republic Day falling on a Monday, a long weekend is confirmed. Check the full state-wise holiday list here to avoid last-minute hassles.
The New Year has begun, and if you have pending bank work, you need to check your calendar immediately. The Reserve Bank of India (RBI) has released the holiday schedule for January 2026, and banks in many states will remain closed for up to 10 to 12 days (including Sundays and Saturdays).
The biggest news for customers is the upcoming long weekend at the end of the month. Since January 26 (Republic Day) falls on a Monday, banks will be shut for three consecutive days in most states.
Here is the complete breakdown of national and regional bank holidays to help you plan your branch visits.
The “Long Weekend” Alert (Jan 24–26)
If you need to deposit cash, update your KYC, or access your locker, do it before January 23.
- January 24: 4th Saturday (Banks Closed)
- January 25: Sunday (Weekly Off)
- January 26: Republic Day (National Holiday)
Result: A straight 3-day banking shutdown across India. ATMs might run dry in some areas, so keep sufficient cash handy.
Full List of Bank Holidays: January 2026
While online banking will work 24/7, physical branches will be closed on these dates. Note that some holidays like Pongal and Makar Sankranti are state-specific.
| Date | Day | Occasion | Affected States (Major) |
| Jan 4 | Sunday | Weekend Off | All India |
| Jan 5* | Monday | Guru Gobind Singh Jayanti | Punjab, Rajasthan, Chandigarh (Check local list) |
| Jan 10 | Saturday | 2nd Saturday | All India |
| Jan 11 | Sunday | Weekend Off | All India |
| Jan 14 | Wednesday | Makar Sankranti / Pongal | Tamil Nadu, Andhra, Karnataka, Gujarat |
| Jan 15 | Thursday | Thiruvalluvar Day / Magh Bihu | Tamil Nadu, Assam |
| Jan 18 | Sunday | Weekend Off | All India |
| Jan 24 | Saturday | 4th Saturday | All India |
| Jan 25 | Sunday | Weekend Off | All India |
| Jan 26 | Monday | Republic Day | All India (National Holiday) |
*Note: Guru Gobind Singh Jayanti date varies by moon sighting; please verify with your local branch notice board.
Digital Banking to the Rescue
Even if the shutters are down, your banking doesn’t have to stop.
- UPI/Net Banking: Operational 24/7.
- ATMs: Operational (but cash availability may vary during the long weekend).
- Cheque Clearance: STOPPED on holidays. Cheques dropped on Jan 24 will likely clear only by Jan 27 or 28.
Why This Matters
January is a crucial month for tax planning and savings investments. With the Republic Day long weekend coinciding with month-end salary processing for some companies, delay in banking operations can affect EMI debits or cheque clearances. It is smart to complete high-value transactions by January 20.
What Happens Next?
Banks will witness a heavy rush on Tuesday, January 27, immediately after the long break. If you want to avoid long queues, try to visit your branch between January 5 and January 9.
FAQs: Bank Holidays Jan 2026
A: Yes. It is the 4th Saturday of the month, so all private and PSU banks will remain closed nationwide.
A: Yes, ATMs will remain open, but they might run out of cash due to the 3-day holiday (Jan 24-26).
A: Usually, it is a working day in Delhi and Mumbai, but a holiday in states like Gujarat, Tamil Nadu, and Andhra Pradesh.
A: As of now, there is no official RBI notification declaring Jan 22 as a bank holiday for 2026.
Disclaimer: This list is based on the RBI holiday calendar. State governments may declare additional holidays at the last minute. Please check the official notification displayed at your local bank branch.
