If you have urgent banking work lined up for this month, it is advisable to check the holiday schedule before visiting your branch. According to the Reserve Bank of India (RBI) calendar, banks across various states will remain closed for up to 16 days in January 2026. This total includes national holidays, regional festivals, and regular weekly offs such as Sundays and the second and fourth Saturdays.
It is important to note that bank holidays in India vary significantly from state to state. While central government holidays and national gazetted holidays apply nationwide, many closures are strictly regional, depending on local festivals and state government notifications. A holiday in one state does not necessarily imply a closure in another.
Digital Banking Remains Unaffected
Despite the branch closures, banking operations will not come to a complete halt. The RBI has ensured that digital channels remain active 24×7. Customers can continue to use services such as Unified Payments Interface (UPI), mobile banking, and internet banking for fund transfers, bill payments, and balance checks without interruption.
Automated Teller Machines (ATMs) will also remain functional for cash withdrawals and mini-statements. Customers using third-party apps like Google Pay, PhonePe, and Paytm can conduct transactions seamlessly even on bank holidays.
Full List of Bank Holidays in January 2026
Below is the detailed schedule of bank closures based on RBI guidelines and regional festivals:
January 1 (New Year’s Day/Gaan-Ngai): Banks remained closed in Aizawl, Chennai, Gangtok, Imphal, Itanagar, Kohima, Kolkata, and Shillong.
January 2 (New Year Celebrations): Operations were suspended in Aizawl, Kochi, and Thiruvananthapuram.
January 3 (Birthday of Hazrat Ali): Banks in Lucknow remained closed.
January 4: Sunday (Weekly Off).
January 10: Second Saturday (Banks closed nationwide).
January 11: Sunday (Weekly Off).
January 12 (Swami Vivekananda’s Birthday): Branches in Kolkata will observe a holiday.
January 14 (Makar Sankranti/Magh Bihu): Closures scheduled in Ahmedabad, Bhubaneswar, Guwahati, and Itanagar.
January 15 (Pongal/Makar Sankranti/Maghe Sankranti): Banks will remain closed in Bengaluru, Chennai, Gangtok, Hyderabad, and Vijayawada.
January 16 (Thiruvalluvar Day): Banking operations will be suspended in Chennai.
January 17 (Uzhavar Thirunal): Banks in Chennai will observe a holiday.
January 18: Sunday (Weekly Off).
January 23 (Netaji Subhas Chandra Bose Jayanti/Basant Panchami): Banks will be closed in Agartala, Bhubaneswar, and Kolkata.
January 24: Fourth Saturday (Banks closed nationwide).
January 25: Sunday (Weekly Off).
January 26 (Republic Day): Banks across the entire country will remain closed for the national holiday.
Advisory for Customers
Customers are advised to plan their branch visits accordingly to avoid inconvenience. Since holidays depend on local state notifications, checking with the specific local branch or verifying the list on the official bank app and RBI website is recommended before stepping out.
