Are banks closed on December 31, 2025 across India?

No. December 31, 2025 is generally a working day, but a few locations may have local observances. Digital channels continue. If you need cheques, DDs or in-branch services, confirm your branch status and cut-off times to avoid moving processing into January.

Is January 1, 2026 a nationwide bank holiday?

No. January 1, 2026 is a holiday only in select states per RBI’s list. Many branches in other states work as usual. Digital transfers run, but paper instruments wait for the next working day where a closure applies. Check your state’s status before visiting.

Will NEFT and RTGS work if my branch is closed?

Yes. NEFT and RTGS operate 24x7 as per RBI. Most transfers clear, but some postings may reflect after the next working day depending on the bank’s processing. For urgent needs, consider UPI or IMPS. Always verify beneficiary limits and cut-offs in advance.

How should investors plan cheque deposits around bank holidays 2026?

Deposit cheques at least one working day before a local holiday to avoid settlement rollover. Confirm drawee and presenting branch schedules. Use instant rails for urgent payouts. For redemptions or broker withdrawals, allow a buffer so credits land even if a branch is shut locally.

Global Market Insights

India Bank Holidays 2026: RBI Statewise Guide and Jan 1 Impact – December 31

ByHuzaifa Zahoor December 31, 2025December 31, 2025

Bank holidays 2026 searches are rising as people plan year-end banking. The RBI’s state-wise list shows that December 31, 2025 is largely a working day, while January 1, 2026 sees closures in select states. Branch services like cheques, demand drafts, lockers and KYC need in-person visits. Digital channels stay available. We explain how RBI bank holidays affect settlements, what stays online, and how to use the 2026 calendar to avoid delays in payouts, SIPs, EMIs and investments at the start of the new year.