Are banks open or closed in your state? Check state-wise list here

According to the holiday calendar of the Reserve Bank of India (RBI), January 2026 brings a mix of national and regional public holidays. While some holidays affect banks in certain states, others are observed nationwide. This article outlines important public holidays, what services will be offered and how you can plan your banking activities accordingly.

Birth Anniversary of Hazrat Ali: Uttar Pradesh Banks Closed (January 3)

Banks in Uttar Pradesh will be closed on January 3, 2026, on the occasion of the birth anniversary of Hazrat Ali. This holiday is especially celebrated in Uttar Pradesh and all scheduled and non-scheduled banks in the state will remain closed throughout the day. However, customers can still access their accounts and complete transactions through digital banking services such as ATMs, internet banking, UPI payments and other online facilities.

While this affects branches in Uttar Pradesh, banks in other parts of India will remain open as usual. This is because January 3 is also the first Saturday of the month, and it is not a nationwide holiday.

Monthly Public Holidays: Second Saturday (January 10)

According to the RBI’s holiday schedule, all scheduled and non-scheduled banks in India are closed on the second Saturday of every month. In January 2026, this date falls on January 10. Despite branch closures, customers can continue to carry out their financial transactions through digital banking channels that are still operational.

Banks in India will celebrate this holiday; Therefore, plan in-branch transactions to avoid delays.

Makar Sankranti, Pongal and Regional Holidays (January 14-15)

The mid-January period brings numerous regional holidays in various states as people celebrate Makar Sankranti and Pongal. On January 14, banks in Assam, Odisha, Arunachal Pradesh and Gujarat will remain closed for Makar Sankranti.

The next day, i.e. January 15, marks Pongal celebrations in southern states like Tamil Nadu, Karnataka, Andhra Pradesh and Telangana. Therefore, banks in these states will also be closed. As always, digital banking options will continue to be available to customers in all regions.

Other Important Holidays in January

In addition to the holidays mentioned earlier, here are a few other important dates when banks will be closed:

January 12: Birth Anniversary of Swami Vivekananda (celebrated in West Bengal)

January 16: Thiruvalluvar Day (celebrated in Tamil Nadu)

January 23: Birth Anniversary of Netaji Subhas Chandra Bose and Saraswati Puja (observed in West Bengal and other parts of Eastern India)

January 26: Republic Day (National Holiday – Banks will be closed across India)

Digital Banking Remains Fully Functional

Although many banks will close their physical branches during regional and national holidays, digital banking services will continue without disruption. Services such as ATM withdrawals, UPI payments, mobile banking and internet banking will remain fully operational, allowing customers to carry out their financial activities whenever they need.

Verifying Local Bank Programs

Since each state imposes different holidays based on local festivals and cultural events, it is recommended that you verify the operating hours of your local bank branch. The RBI’s holiday list provides a comprehensive overview of planned closures, but confirming your branch’s operating hours will help ensure you don’t encounter any issues during your visit.

There will be various public holidays across India in January 2026; some states will celebrate certain regional holidays, while others will close for national celebrations. While physical bank branches are unavailable these days, digital banking services remain accessible and offer customers a convenient way to manage their finances. Always check your bank’s schedule in advance to plan your banking activities accordingly and ensure a smooth and hassle-free experience.