Big alert for all bank customers, salaried employees and businesses! January 2026 has several bank holidays due to New Year celebrations, regional festivals like Pongal/Makar Sankranti, and Republic Day on January 26 (Monday) – a nationwide closure. Banks will be closed on up to 16 days in some states, including Sundays and second/fourth Saturdays.
Plan your branch visits, cheque deposits, loan payments and cash needs in advance to avoid trouble. Digital services like UPI, net banking and ATMs work 24/7!
Know Complete Details of Bank Holidays January 2026
RBI declares holidays under Negotiable Instruments Act. Closures vary by state due to local festivals.
Regular Weekly Offs (Nationwide):
- Sundays: January 4, 11, 18, 25
- 2nd Saturday: January 10
- 4th Saturday: January 24
Nationwide Holiday:
- Republic Day: January 26 (Monday) – All banks closed across India.
State-Wise Major Bank Holiday Dates in January 2026
Key closures (check your city for exact):
- January 1 (Thursday): New Year’s Day / Gaan-Ngai – Closed in Mizoram, Tamil Nadu, Sikkim, Manipur, Arunachal Pradesh, Nagaland, Meghalaya, West Bengal.
- January 2: New Year Celebration / Mannam Jayanthi – Closed in Mizoram, Kerala.
- January 3: Hazrat Ali Birthday – Closed in Uttar Pradesh.
- January 12: Swami Vivekananda Jayanti – Closed in West Bengal.
- January 14 (Wednesday): Makar Sankranti / Magh Bihu – Closed in Gujarat, Odisha, Assam, Arunachal Pradesh.
- January 15 (Thursday): Pongal / Uttarayana Punyakala / Maghe Sankranti – Closed in Tamil Nadu, Andhra Pradesh, Telangana, Karnataka, Sikkim.
- January 16: Thiruvalluvar Day – Closed in Tamil Nadu.
- January 17: Uzhavar Thirunal – Closed in Tamil Nadu.
- January 23: Netaji Subhas Chandra Bose Jayanti / Saraswati Puja / Basanta Panchami – Closed in Tripura, Odisha, West Bengal.
- January 26: Republic Day – Closed nationwide.
Tamil Nadu has longest Pongal closures (14-17 Jan). North-East and South see more early January offs.
Long Weekends & How It Affects Transactions
- Republic Day Long Weekend: Jan 24 (4th Sat) + 25 (Sun) + 26 (Mon) – 3-day break.
- Pongal Week: Multiple days off in South – plan salary credits early.
What Works on Holidays:
- UPI, IMPS, NEFT/RTGS – 24/7.
- ATMs, mobile banking, online transfers.
- No branch services, cheque clearing delayed to next working day.
How It Affects You – Tips to Avoid Trouble
- Salaried: Ensure salary credited before holidays.
- Businesses: Schedule payments early; avoid cheque deposits near closures.
- Loan EMIs: Auto-debit works, but confirm funds.
- Travel/Events: Pongal rush in South – book tickets early.
- Edge Cases: Private banks follow same RBI list; some 5-star hotel ATMs open.
This January calendar gives chances for mini-vacations around Republic Day!
Planning bank work or trips in January 2026? Which holiday affects you most? Comment below and share your views!
Stay updated with us for all latest bank rules, holidays and finance updates in 2026.