Bank holidays in July 2026
Banks in India close on different days in each state. This page shows all the RBI holidays of July 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.
July 2026 bank holiday list
Banks close on all Sundays (5, 12, 19, 26 July) and on the 2nd and 4th Saturdays (11 July and 25 July). RBI also lists holidays on 6 working days of July in one or more states (table below).
| Date | Day | Holiday (RBI name) | Banks closed in |
|---|---|---|---|
| 6 Jul | Monday | MHIP Day/Birth Anniversary of Dr. Syama Prasad Mookerjee | Mizoram, West Bengal |
| 9 Jul | Thursday | Beh Deinkhlam | Meghalaya |
| 16 Jul | Thursday | Ratha Yatra/Kang (Rathajatra)/Harela | Manipur, Odisha, Uttarakhand |
| 17 Jul | Friday | Death Anniversary of U Tirot Singh | Meghalaya |
| 18 Jul | Saturday | Drukpa Tshe-zi | Sikkim |
| 22 Jul | Wednesday | Kharchi Puja | Tripura |
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 July 2026: Sundays, the 2nd and 4th Saturdays and the RBI holidays on working days.
| State | Holidays on working days | Total closed days |
|---|---|---|
| Meghalaya | 2 | 8 |
| Manipur | 1 | 7 |
| Mizoram | 1 | 7 |
| Odisha | 1 | 7 |
| Sikkim | 1 | 7 |
| Tripura | 1 | 7 |
| Uttarakhand | 1 | 7 |
| West Bengal | 1 | 7 |
| Andhra Pradesh | 0 | 6 |
| Arunachal Pradesh | 0 | 6 |
| Assam | 0 | 6 |
| Bihar | 0 | 6 |
| Chandigarh | 0 | 6 |
| Chhattisgarh | 0 | 6 |
| Delhi | 0 | 6 |
| Goa | 0 | 6 |
| Gujarat | 0 | 6 |
| Himachal Pradesh | 0 | 6 |
| Jammu and Kashmir | 0 | 6 |
| Jharkhand | 0 | 6 |
| Karnataka | 0 | 6 |
| Kerala | 0 | 6 |
| Madhya Pradesh | 0 | 6 |
| Maharashtra | 0 | 6 |
| Nagaland | 0 | 6 |
| Rajasthan | 0 | 6 |
| Tamil Nadu | 0 | 6 |
| Telangana | 0 | 6 |
| Uttar Pradesh | 0 | 6 |
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 July 2026?
The number of closed days changes with the state. With Sundays and the 2nd and 4th Saturdays, banks close for 8 days in Meghalaya and 6 days in Uttar Pradesh. RBI lists holidays on 6 working days in July in one or more states.
Which Saturdays are bank holidays in July 2026?
The 2nd and 4th Saturdays: 11 July and 25 July. Banks open on the other Saturdays (4 July, 18 July), unless the day is a holiday in your state.
Are banks closed on 16 July?
In 3 of the 29 states and UTs on the RBI list. RBI name: Ratha Yatra/Kang (Rathajatra)/Harela. 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.