Planning bank visits in January 2026? Here’s a clear, state-wise guide to RBI bank holidays, major festivals, and nationwide closures—so you never get caught off guard.
RBI Bank Holiday Calendar January 2026 Overview
Every year, the Reserve Bank of India (RBI) releases a month-wise bank holiday calendar. This list helps customers plan ahead, as bank holidays differ by state due to regional festivals and important observances.
Moreover, banks across India remain closed on all Sundays and on the second and fourth Saturdays of each month, as per RBI norms.
Major Bank Holidays in January 2026
January 2026 includes several cultural, religious, and national holidays. However, closures depend on the state or city. Key occasions include New Year’s Day, Makar Sankranti, Pongal, Swami Vivekananda Jayanti, and Republic Day.
Bank Holiday on January 1, 2026
Banks will remain closed in Mizoram, Tamil Nadu, Sikkim, Manipur, Arunachal Pradesh, Nagaland, West Bengal, and Meghalaya for New Year’s Day and Gaan-Ngai.
Bank Holiday on January 2, 2026
On this day, banks will not operate in Mizoram and Kerala due to New Year Celebration and Mannam Jayanthi.
Bank Holiday on January 3, 2026
Banks will remain closed in Uttar Pradesh to observe the birthday of Hazrat Ali.
Bank Holiday on January 12, 2026
West Bengal will observe a bank holiday on account of Swami Vivekananda Jayanti.
Bank Holiday on January 14, 2026
Banks will stay closed in Gujarat, Odisha, Assam, and Arunachal Pradesh for Makar Sankranti and Magh Bihu.
Bank Holiday on January 15, 2026
Several states will observe holidays for harvest festivals. Banks will close in Karnataka, Tamil Nadu, Sikkim, Andhra Pradesh, and Telangana for Pongal, Uttarayana Punyakala, and Makara Sankranti.
Bank Holidays on January 16 and 17, 2026
In Tamil Nadu, banks will remain closed on January 16 for Thiruvalluvar Day and on January 17 for Uzhavar Thirunal.
Bank Holiday on January 23, 2026
Banks will not operate in Tripura, Odisha, and West Bengal due to celebrations like Netaji Subhas Chandra Bose Jayanti, Saraswati Puja, Vir Surendrasai Jayanti, and Basanta Panchami.
Bank Holiday on January 26, 2026
On Republic Day, banks will remain closed across India as it is a national holiday.
January 2026 Bank Holiday List (Date-wise)
| Date | Holiday |
|---|---|
| January 1 | New Year’s Day / Gaan-Ngai |
| January 2 | New Year Celebration / Mannam Jayanthi |
| January 3 | Birthday of Hazrat Ali |
| January 12 | Swami Vivekananda Jayanti |
| January 14 | Makar Sankranti / Magh Bihu |
| January 15 | Pongal / Uttarayana Punyakala / Makara Sankranti |
| January 16 | Thiruvalluvar Day |
| January 17 | Uzhavar Thirunal |
| January 23 | Netaji Jayanti / Saraswati Puja / Basanta Panchami |
| January 26 | Republic Day |
FAQs: Bank Holidays in January 2026
| Question | Answer |
|---|---|
| Are banks closed on all Saturdays? | No. Banks close only on the second and fourth Saturdays each month. |
| Is January 26 a bank holiday nationwide? | Yes. Banks remain closed across India on Republic Day. |
| Do bank holidays vary by state? | Yes. RBI approves state-wise holidays based on regional festivals. |
| Can online banking be used on holidays? | Yes. Net banking, UPI, and mobile banking services usually remain available. |
