If you are planning to visit a bank branch in January 2026, it is important to stay updated with the official bank holiday schedule. The Reserve Bank of India (RBI) releases a state-wise holiday calendar every year, which helps customers plan their financial work in advance. For the week between January 5 and January 11, 2026, there is some relief for customers, as banks will largely remain operational.
According to the RBI holiday calendar, there are no major public or regional bank holidays during this week, apart from the regular weekly offs. This means banks across most parts of the country will remain open from Monday to Friday.
However, as per standard practice:
January 10 (Saturday) – Second Saturday (Bank Holiday)
January 11 (Sunday) – Weekly holiday
On these two days, bank branches will remain closed nationwide.
Even when physical bank branches remain shut, customers do not need to worry about most essential services. Digital banking facilities continue to function smoothly on holidays, including:
Internet banking
Mobile banking apps
UPI transactions
ATM cash withdrawals
However, services related to cheque clearance, demand drafts, and counter-based transactions remain unavailable on bank holidays, as they fall under the Negotiable Instruments Act.
The next official bank holiday after this week falls on January 12, 2026, which marks Swami Vivekananda Jayanti, also celebrated as National Youth Day. As per RBI guidelines, banks will remain closed only in Uttar Pradesh on this day, while branches in other states will operate normally.
Here is a detailed look at important bank holidays later in the month:
This day celebrates the sun’s transition into Capricorn and is observed as a harvest festival in many regions.
Banks closed in: Ahmedabad, Bhubaneswar, Guwahati, Itanagar
A major harvest festival, especially in southern India.
Banks closed in: Bengaluru, Chennai, Gangtok, Hyderabad, Vijayawada
Observed in memory of the famous Tamil poet and philosopher Thiruvalluvar.
Banks closed in: Chennai only
A festival dedicated to farmers in Tamil Nadu.
Banks closed in: Chennai only
Multiple regional celebrations fall on this day.
Banks closed in: Agartala, Bhubaneswar, Kolkata, Chennai
A national holiday observed across India.
Banks closed nationwide
Most public sector banks such as State Bank of India (SBI), Punjab National Bank (PNB), and Bank of India usually operate from 10:00 AM to 4:00 PM.
Private banks like HDFC Bank, ICICI Bank, Axis Bank, and Kotak Mahindra Bank generally function from 9:30 AM to 4:00 or 4:30 PM, depending on the branch.
Customers planning important bank-related work are advised to check local holidays in their respective states, as RBI holidays vary region-wise. For urgent needs, digital banking remains the most reliable option during holidays.
