India is a land of diverse cultures and traditions, and hence the country observes innumerable festivals and functions. So, all banks throughout India are closed on several holidays and depend upon the states concerned. Here’s a list of all Bank Holidays. Knowing these is helpful when planning your financial activities, if you have significant transactions or plan visits to the bank.
This is a comprehensive blog that will guide you through the bank holiday calendar in 2025, so you stay prepared and avoid any inconvenience. Bank holidays in India for the year 2025 would consist of national holidays like Republic Day, Independence Day, and Gandhi Jayanti. State-specific holidays are also there, such as Pongal in Tamil Nadu, Bihu in Assam, and Durga Puja in West Bengal, reflecting the diversified regions of India. Keeping an eye on these bank holidays keeps you abreast of when to plan your financial activities to avoid undue delay in transactions or vital banking operations.
Why are bank holidays important?
Holidays allow a place to celebrate cultural, religious, and national events of the entire Indian nation. Bank holidays vary with different places of a nation; each one represents some other type of traditions of the particular area. These holidays are required to recharge the employees and get the citizens to participate in several festivity celebrations. It enables the people to plan their finances and ensures smooth functioning without the disruption of service because of closed banking.
- Efficient Planning: Knowing holidays, personal and commercial transactions and banking visits can be planned accordingly.
- Pay bills in time. Know the days the banks are closed. Do not miss the due dates.
- Rest for Employees: It also ensures that employees from the bank get time off to celebrate festivals and recharge.
Bank Holidays in India Types
National Holidays:
National holidays are observed throughout the states, and banks remain closed throughout the country.
Examples:
- Republic Day, 26th January
- Independence Day, August 15
- Gandhi Jayanti 2nd October
State holidays:
These holidays are different from state to state, according to local festivals or events.
Examples:
- Pongal in Tamil Nadu
- Bihu in Assam.
- Durga Puja of West Bengal
Religious Holidays
Festivals of various religions are also celebrated as bank holidays.
Examples:
- Eid-ul-Fitr
- Christmas
- Diwali
Weekend Holidays
Banks are closed on Sundays and the second and fourth Saturdays of every month.
Full List of Bank Holidays in India during 2025
The list below enumerates all the bank holidays that include national as well as state-specific along with religious holidays for all India for 2025. This signifies cultural as well as regional diversity in India as these holidays fall on different dates. The knowledge of schedule regarding bank holiday helps in smooth planning for all financial transactions and avails you from facing any hassle at a time when all the banks are shut on these days.
January 2025
| Date | Day | Holiday | Applicable States |
| January 1 | Wednesday | New Year’s Day | Arunachal Pradesh, Tamil Nadu, Manipur |
| 14th January | Tuesday | Makar Sankranti / Pongal | Gujarat, Tamil Nadu, Karnataka |
| January 26 | Sunday | Republic Day | Nation-wide |
February 2025
| Date | Day | Holiday | Applicable States |
| 15th February | Saturday | Vasant Panchami | West Bengal, Bihar |
March 2025
| Date | Day | Vacation | Applicable States |
| March 17 | Monday | Holi | Uttar Pradesh, Bihar, Haryana |
April 2025
| Date | Day | Holiday | Applicable states |
| 10th April | Thursday | Ram Navami | Maharashtra, Gujarat |
| April 14 | Monday | Dr. Ambedkar Jayanti | Nation-wide |
May 2025
| Date | Day | Vacation | Applicable states |
| 1st May | Thursday | Maharashtra Day / Labour Day | Maharashtra, Tamil Nadu |
| 5 May | Monday | Buddha Purnima | Nationwide |
June 2025
| Date | Holiday | State/Region |
| June 5 | Id-ul-Fitr | Nationwide |
| June 15 | Maharana Pratap Jayanti | Rajasthan |
July 2025
| Date | Holiday | State/Region |
| July 17 | Muharram | Nationwide |
| July 19 | Ashadi Ekadashi | Maharashtra, Goa |
August 2025
| Date | Holiday | State/Region |
| August 15 | Independence Day | Nationwide |
| August 25 | Raksha Bandhan | Nationwide |
| August 26 | Janmashtami | Maharashtra, Gujarat, UP |
September 2025
| Date | Holiday | State/Region |
| September 5 | Ganesh Chaturthi | Maharashtra, Goa, Karnataka |
| September 17 | Vishwakarma Day | Bihar, Jharkhand |
October 2025
| Date | Holiday | State/Region |
| October 2 | Gandhi Jayanti | Nationwide |
| October 9 | Durga Puja | West Bengal, Bihar, Odisha |
| October 15 | Dussehra (Vijayadashami) | Nationwide |
November 2025
| Date | Holiday | State/Region |
| November 4 | Diwali | Nationwide |
| November 14 | Eid-e-Milad | Nationwide |
| November 30 | Guru Nanak Jayanti | Punjab, Haryana, Delhi |
December 2025
| Date | Holiday | State/Region |
| December 25 | Christmas Day | Nationwide |
| December 31 | New Year’s Eve | Goa, Kerala |
Key Bank Holidays Major States
While some bank holidays are celebrated throughout India, like Republic Day, Independence Day, and Gandhi Jayanti, some are specific to certain states in India. Like Pongal is held in Tamil Nadu, Bihu in Assam, and so on. These bank holidays are a clear reflection of the cultural diversities present in the country. With knowledge of this bank holiday schedule, it becomes easy for people to plan their banking needs better and get ready for such regional differences in holidays.
West Bengal
- Durga Puja: October 1-6
- Kali Puja: October 20th
Tamil Nadu
- Pongal: 14th January
- Tamil New Year: 14th April
Maharashtra
- Maharashtra Day May 1
- September 6 Ganesh Chaturthi.
Things to Keep in Mind Regarding Bank Holidays
Check out the official list of bank holidays in India and prepare to avoid any last-minute delays in financial work around it. Holidays differ in every state; one bank may be closed in a region while another functions. Use the services offered by online banking when dealing with urgent matters during the bank holiday. Information leads to smooth financial planning, free from last-minute inconvenience or delay.
- Online Banking Services
Even on bank holidays, NEFT, RTGS, and IMPS can be accessed for online banking. However, the time taken for processing the transactions may vary.
- Plan Ahead:
If you need cash or have must-do banking work, plan to get it done before the holiday.
- Double-Check Holidays
While national holidays are uniform, state-specific holidays vary. Always check the list of official holidays in your state.
Plan as best Management techniques: plan at most time.
Managing financial tasks during a bank holiday in India requires planning. Check the list of bank holidays for your region to schedule transactions in advance. Use online banking for urgent needs, as services like UPI and net banking remain accessible. Ensure sufficient cash withdrawals before a bank holiday if required. Staying informed about the bank holiday schedule helps avoid delays and ensures smooth financial management, even during non-working days.
- Use ATMs
Make sure your debit card is working, and withdraw cash in advance to avoid long queues at ATMs.
- Use mobile banking.
Mobile applications are very useful in terms of transactions, like money transfer, bill payments, and checking account balances.
- Schedule major work:
Plan a visit to the bank before or after the holiday if you need to.
How Bank Holidays Are Declared in India
Bank holidays in India are governed by the Negotiable Instruments Act, 1881, which allows the central and state governments to declare holidays for banks. Bank holidays may be categorized into three groups: national holidays, including Republic Day; state-specific holidays, such as Bihu in Assam; and religious holidays, like Diwali and Eid. This categorization aids people in planning their financial activities in an efficient way so that they are not hampered by a bank holiday:
- Gazetted Holidays:Declared by the Government of India and followed throughout the country.
- State-Specific Holidays: It depends upon regional festivals and events to be celebrated on state levels.
- Religious Holidays: Followed according to religious importance in other parts of India.
Bank holidays are important for students.
Students who are appearing for competitive exams like SSC, IBPS, and UPSC often depend on timely transactions with banks for registrations, study material, or coaching services. Maintaining the list of bank holidays in India will avoid the disconnection. Well-planned transactions would complete before the scheduled bank holiday, avoiding time lags in crucial preparation. Such knowledge about the schedule will help students manage their financial affairs effectively and concentrate on the studies.
For example:
- Payments of exam fees may also get delayed if you are not aware of the bank holiday in your region.
- Most students use such a draft to pay application fees; thus knowing the working days of banks is essential.
Festivals and Celebrations During Bank Holidays in India
Every bank holiday in India carries some sort of cultural or historical value. Major holidays, including Republic Day, Independence Day, and Diwali, are celebrated throughout the country through flag hoisting, parades, and celebrations. Regional celebrations like Pongal in Tamil Nadu and Baisakhi in Punjab focus on regional practices. A list of bank holidays in India is specific to each state and each region has its own local traditions while upholding the national history and culture:
- March, Holi: The festival is celebrated as the festival of colors as it marks the arrival of spring; hence, it is primarily celebrated in states like Uttar Pradesh, Bihar, and Haryana.
- Onam: (August-September) Harvest festival celebrated in Kerala. A state-specific bank holiday, this is filled with feasts and cultural events.
- Diwali (November): The national holiday known as the festival of lights is celebrated when all homes and offices close for families to mark the event.
Comparison of bank holidays across states
You can add a table to show the diversity of bank holidays in India across states:
| State | Holiday | Date (2025) | Significance |
| Tamil Nadu | Pongal | January 14 | Harvest festival in south India |
| West Bengal | Durga Puja | October 1-6 | Celebrates Goddess Durga |
| Maharashtra | Ganesh Chaturthi | September 6 | Festival of Lord Ganesha |
| Karnataka | Rajyotsava Day | November 1 | Marks the formation of the state |
Bank Holiday Schedule And Digital Banking
Even on a bank holiday in India, modern banking facilities provide an opportunity to make appropriate arrangements for finances. During holidays, banks are closed. Yet, most of the services can be accessed online with the help of mobile banking, internet banking, or by visiting ATMs across different regions. Bank holidays in India are divided between national and regional holidays. All such bank holidays can easily be accessed through digital platforms to manage transactions at any time-on a bank holiday:
- UPI Payments: Unified Payments Interface is available 24/7.
- Net Banking: Access your account, transfer funds, and pay bills anytime.
- ATM Services ATM services include withdrawing cash or depositing money even on holidays.
This makes holidays less disruptive for customers, ensuring continuous access to banking services.
Effects of Bank Holidays on Financial Markets
These holidays influence the stock market and trade, as well as all financial services, because banks and other financial institutions observe holidays most of the time. All important national holidays like Republic Day, Diwali, etc., and regional holidays different states observe have been included in the list of bank holidays. Therefore, on these bank holidays, trade on NSE and BSE is generally closed. This affects the whole system and their activities in the markets and their dealings across the country.
- The stock markets close; the trading comes to a stop.
- No mutual fund NAVs are calculated.
- Settlement of payments in interbank markets is delayed.
Adding this kind of information will attract finance and investment readers.
Conclusion
This list of bank holidays in 2025 in India is an important resource for all students and business professionals. By being aware, you can better plan your financial activities and avoid last-minute hassles. Be it a festival, state-specific event, or national day of celebration, you will be ahead with knowledge of bank holidays. If you enjoyed this post, kindly share it with others. Bookmark this page to keep up with all bank holidays in India 2025!
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