January 2026 will see several bank holidays across different states in India. These holidays occur due to national events, religious festivals, and regional occasions. As per the Reserve Bank of India (RBI) guidelines, bank holidays are determined state-wise, so the schedule may vary from one state to another.
Even though bank branches remain closed on these days, digital services like ATMs, UPI, mobile banking, and internet banking continue to operate. For tasks requiring branch visits, planning ahead is highly recommended.
Bank Holidays in January 2026
Here’s a state-wise and national overview of the bank holidays in January 2026:
- 1 January 2026 (Thursday) – New Year’s Day; banks closed in select states.
- 2 January 2026 (Friday) – Local holidays in some states due to regional festivals.
- 3 January 2026 (Saturday) – Hazrat Ali Jayanti observed in certain regions.
- 12 January 2026 (Monday) – Swami Vivekananda Jayanti observed in select states.
- 14 January 2026 (Wednesday) – Makar Sankranti / Magh Bihu; banks closed in multiple states.
- 15 January 2026 (Thursday) – Pongal / Uttarayan / Maghe Sankranti in specific regions.
- 16 January 2026 (Friday) – Thiruvalluvar Day; Tamil Nadu banks remain closed.
- 17 January 2026 (Saturday) – Uzhavar Thirunal observed in certain areas.
- 23 January 2026 (Friday) – Netaji Subhas Chandra Bose Jayanti and Basant Panchami.
- 26 January 2026 (Monday) – Republic Day; nationwide bank holiday.
Weekly Holidays:
- Every Sunday
- Second and fourth Saturdays of the month
On these days, most bank branches across India remain closed.
Important Tips for Customers
- Complete essential branch-related tasks like cash deposits, cheque clearance, drafts, or other banking work before the holidays.
- Digital banking services including ATM, UPI, IMPS, mobile banking, and net banking can be used during bank holidays.
- Bank holidays may differ by state, so always check with your local branch for accurate information.
Conclusion
January 2026 will have multiple bank holidays due to national, religious, and regional occasions. Planning ahead is the key to avoiding any inconvenience for branch-related banking tasks. Digital banking services make transactions easier, but knowing the holiday schedule helps you stay prepared and manage your financial work efficiently.
