Banks across India will observe multiple holidays between December 29, 2025 and January 2, 2026, according to the Reserve Bank of India (RBI) holiday calendar. However, these holidays are not uniform nationwide and vary by state and city.
This has led to confusion among customers regarding bank operations on New Year’s Eve (December 31) and New Year’s Day (January 1).
Here is a clear, date-wise and state-wise breakdown.
Are Banks Open on December 30, 2025?
- Banks closed in:
- Shillong (Meghalaya) – Death Anniversary of U Kiang Nangbah
- Banks open in:
- All other states and cities
Are Banks Open on New Year’s Eve – December 31, 2025?
- Banks closed in:
- Aizawl (Mizoram)
- Imphal (Manipur)
- Banks open in:
- All other states and cities
Are Banks Open on New Year’s Day – January 1, 2026?
- Banks closed in:
- Aizawl
- Chennai
- Gangtok
- Imphal
- Itanagar
- Kohima
- Kolkata
- Shillong
- Banks open in:
- All other states and cities
Are Banks Open on January 2, 2026?
- Banks closed in:
- Aizawl – New Year Celebration
- Kochi – Mannam Jayanthi
- Thiruvananthapuram – Mannam Jayanthi
- Banks open in:
- Remaining states and cities
Will Online Banking Services Work During Bank Holidays?
Yes. Even during bank holidays:
- ✅ Net banking
- ✅ Mobile banking apps
- ✅ UPI services
- ✅ ATM withdrawals
will remain fully operational.
However:
- ❌ Cheque clearing
- ❌ Branch-based services
- ❌ Services under the Negotiable Instruments Act
will not be available on bank holidays.
Bank Working Hours in India
Bank branch timings may vary slightly, but generally:
- Public Sector Banks (SBI, PNB, BoI):
- 10:00 AM – 4:00 PM
- Private Banks (HDFC, ICICI, Axis, Kotak, Yes Bank):
- 9:30 AM – 4:30 PM (varies by branch)
- Bank of Baroda:
- 9:45 AM – 4:45 PM or up to 5:00 PM
- Canara Bank:
- 10:00 AM – 3:30 PM
Customers are advised to check with their local branch for exact timings.
Bank Holidays in January 2026: Key Dates
| Date | Occasion |
|---|---|
| January 1 | New Year’s Day / Gaan-Ngai |
| January 2 | New Year Celebration / Mannam Jayanthi |
| January 3 | Birthday of Hazrat Ali |
| January 12 | Birth Anniversary of Swami Vivekananda |
| January 14 | Makar Sankranti / Magh Bihu |
| January 15 | Pongal / Makara Sankranti |
| January 16 | Thiruvalluvar Day |
| January 17 | Uzhavar Thirunal |
| January 23 | Netaji Subhas Chandra Bose Jayanti / Saraswati Puja |
| January 26 | Republic Day |
Disclaimer
Bank holidays are subject to state-specific RBI notifications. Customers should confirm with local branches for last-minute changes.
