Bank holidays in January 2026
Banks in India close on different days in each state. This page shows all the RBI holidays of January 2026, with the states where they apply. It also shows the 2nd and 4th Saturdays and the long holiday periods. Verification date (RBI list): 27 Oct 2026.
January 2026 bank holiday list
Banks close on all Sundays (4, 11, 18, 25 January) and on the 2nd and 4th Saturdays (10 January and 24 January). RBI also lists holidays on 10 working days of January in one or more states (table below).
| Date | Day | Holiday (RBI name) | Banks closed in |
|---|---|---|---|
| 1 Jan | Thursday | New Year’s Day/Gaan-Ngai | Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland, Sikkim, Tamil Nadu, West Bengal |
| 2 Jan | Friday | New Year Celebration/Mannam Jayanthi | Kerala, Mizoram |
| 3 Jan | Saturday | Birthday of Hazrat Ali | Uttar Pradesh |
| 12 Jan | Monday | Birth Day of Swami Vivekananda | West Bengal |
| 14 Jan | Wednesday | Makar Sankranti/Magh Bihu | Arunachal Pradesh, Assam, Gujarat, Odisha |
| 15 Jan | Thursday | Uttarayana Punyakala/Pongal/Maghe Sankranti/Makara Sankranti/Election to Municipal Corporations in Maharashtra | Andhra Pradesh, Karnataka, Maharashtra, Sikkim, Tamil Nadu, Telangana, Uttar Pradesh |
| 16 Jan | Friday | Thiruvalluvar Day/Kanuma | Andhra Pradesh, Tamil Nadu |
| 17 Jan | Saturday | Uzhavar Thirunal | Tamil Nadu |
| 23 Jan | Friday | Birthday of Netaji Subhas Chandra Bose/Saraswati Puja (Shree Panchami)/Vir Surendrasai Jayanti/Basanta Panchami | Odisha, Tripura, West Bengal |
| 26 Jan | Monday | Republic Day | All states and UTs on the RBI list |
RBI uses one name for each date in all states. The name can include festivals of states where banks stay open.
Closed days in each state
Total days that banks close in January 2026: Sundays, the 2nd and 4th Saturdays and the RBI holidays on working days.
| State | Holidays on working days | Total closed days |
|---|---|---|
| Tamil Nadu | 5 | 11 |
| West Bengal | 4 | 10 |
| Andhra Pradesh | 3 | 9 |
| Arunachal Pradesh | 3 | 9 |
| Mizoram | 3 | 9 |
| Odisha | 3 | 9 |
| Sikkim | 3 | 9 |
| Uttar Pradesh | 3 | 9 |
| Assam | 2 | 8 |
| Gujarat | 2 | 8 |
| Karnataka | 2 | 8 |
| Kerala | 2 | 8 |
| Maharashtra | 2 | 8 |
| Manipur | 2 | 8 |
| Meghalaya | 2 | 8 |
| Nagaland | 2 | 8 |
| Telangana | 2 | 8 |
| Tripura | 2 | 8 |
| Bihar | 1 | 7 |
| Chandigarh | 1 | 7 |
| Chhattisgarh | 1 | 7 |
| Delhi | 1 | 7 |
| Goa | 1 | 7 |
| Himachal Pradesh | 1 | 7 |
| Jammu and Kashmir | 1 | 7 |
| Jharkhand | 1 | 7 |
| Madhya Pradesh | 1 | 7 |
| Rajasthan | 1 | 7 |
| Uttarakhand | 1 | 7 |
Long holiday periods in January 2026
In these states, banks close for 3 or more days together. Do your branch work before them.
- Sat 10 Jan to Mon 12 Jan (3 days): West Bengal
- Thu 15 Jan to Sun 18 Jan (4 days): Tamil Nadu
- Fri 23 Jan to Mon 26 Jan (4 days): Odisha, Tripura, West Bengal
- Sat 24 Jan to Mon 26 Jan (3 days): Andhra Pradesh, Arunachal Pradesh, Assam, Bihar, Chandigarh, Chhattisgarh, Delhi, Goa, Gujarat, Himachal Pradesh, Jammu and Kashmir, Jharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Manipur, Meghalaya, Mizoram, Nagaland, Rajasthan, Sikkim, Tamil Nadu, Telangana, Uttar Pradesh, Uttarakhand
EMIs, UPI and ATMs on a bank holiday
EMIs and auto-debits do not stop on a bank holiday. Since 1 August 2021, NACH works on all days of the week (RBI, 4 June 2021). NACH is the system that collects loan EMIs, SIPs and insurance premiums. Thus, if your EMI date is a holiday, the bank can debit your account on that day. Keep the money in your account on the day before. UPI, ATMs, cards and internet banking usually continue to operate. Branches close, and cheques wait for the next working day.
Frequently asked questions
How many bank holidays are there in January 2026?
The number of closed days changes with the state. With Sundays and the 2nd and 4th Saturdays, banks close for 11 days in Tamil Nadu and 7 days in Uttarakhand. RBI lists holidays on 10 working days in January in one or more states.
Which Saturdays are bank holidays in January 2026?
The 2nd and 4th Saturdays: 10 January and 24 January. Banks open on the other Saturdays (3 January, 17 January, 31 January), unless the day is a holiday in your state.
Are banks closed on 26 January?
In 29 of the 29 states and UTs on the RBI list. RBI name: Republic Day. Use the checker at the top for your state.
Will my EMI be debited on a bank holiday?
Yes, it can be. Since 1 August 2021, NACH works on all days of the week. Keep the money for the EMI in your account on the day before the EMI date.
Sources
- Reserve Bank of India: Bank Holidays (holiday list for each RBI office). Verification date: 27 Oct 2026. The list shows holidays as given in the Negotiable Instruments Act. State governments give these days as holidays.
- RBI Statement on Developmental and Regulatory Policies, 4 June 2021: NACH on all days from 1 August 2021.
A state can give a new holiday at short notice. We examine the RBI list each month. Before you go to a branch on a festival day, speak to the branch to make sure that it opens.