Bank Holiday : As the month of August comes to an end, it’s important for all banking customers across India to take note of an important update from the Reserve Bank of India (RBI). If you have any urgent banking work pending, it’s advisable to get it done as soon as possible. This is because banks across different parts of the country will remain closed for a total of 15 days in the upcoming month of September 2025. The RBI has already released the official list of bank holidays for the month, and it includes closures due to various regional festivals, national observances, and weekly offs like Sundays and second/fourth Saturdays.
These closures may significantly impact individuals who rely on in-person banking services. Though digital banking services such as mobile banking, internet banking, UPI, and ATM services will remain operational, activities that require visiting the branch — like cash deposits, cheque clearances, demand drafts, or passbook updates — will not be available on these days. Therefore, customers are urged to complete their bank-related tasks beforehand to avoid any inconvenience.
Bank Holiday : Why Are Banks Closed for 15 Days in September 2025?
According to the RBI’s guidelines, bank holidays are categorized under three primary criteria: national holidays, state-specific holidays, and weekend holidays. National holidays and weekends (Sundays and the second and fourth Saturdays) are applicable across the entire country. However, many other holidays depend on regional festivals and observances that vary from state to state.
This year, the month of September has a combination of all three types of holidays. Festivals like Eid-e-Milad-un-Nabi, Durga Puja, Karma Puja, and Onam fall in this month, contributing to the number of closures. Let’s break down the holiday list to understand where and when the banks will be closed.
Bank Holiday : Complete List of Bank Holidays in September 2025 (State-wise and Date-wise)
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September 3, 2025 (Wednesday): Banks will remain closed in Jharkhand due to Karma Puja, a significant tribal festival celebrated in the state.
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September 4, 2025 (Thursday): All banks in Kerala will remain closed due to First Onam, a major festival in the state.
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September 5, 2025 (Friday): On the occasion of Eid Milad-un-Nabi (also known as Milad-un-Nabi or Prophet Muhammad’s birthday), banks will be closed in several states across India.
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September 6, 2025 (Saturday): Banks in Gangtok and Raipur will be closed due to extended celebrations of Eid-e-Milad.
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September 7, 2025 (Sunday): Weekly holiday across the country — all banks closed.
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September 12, 2025 (Friday): Banks in Jammu and Srinagar will observe a holiday following the Eid Milad celebrations.
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September 13, 2025 (Saturday): Being the second Saturday of the month, banks will remain closed throughout India.
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September 14, 2025 (Sunday): Weekly holiday — all banks closed nationwide.
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September 21, 2025 (Sunday): Another weekly Sunday holiday, banks across the country will remain closed.
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September 22, 2025 (Monday): Banks in Jaipur will be closed for Navratri Sthapna, marking the beginning of the nine-day festival.
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September 23, 2025 (Tuesday): In Jammu and Srinagar, banks will be shut on account of Maharaja Hari Singh Jayanti, a regional holiday.
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September 27, 2025 (Saturday): Being the fourth Saturday of the month, all banks across India will remain closed.
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September 28, 2025 (Sunday): Another Sunday, hence, a regular weekly off for all bank branches.
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September 29, 2025 (Monday): Due to Maha Saptami, a key day in the Durga Puja celebrations, banks in Agartala, Guwahati, and Kolkata will be closed.
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September 30, 2025 (Tuesday): Observance of Maha Ashtami/Durga Puja will lead to bank closures in Agartala, Bhubaneswar, Guwahati, Imphal, Jaipur, Kolkata, Patna, and Ranchi.
Bank Holiday : Important Note on Regional Variations
It’s crucial to understand that not all holidays apply nationwide. Some of these dates are regional holidays, meaning that banks will remain open in other states. For example, Onam is primarily observed in Kerala, so banks in other parts of the country will operate as usual. Similarly, Karma Puja is celebrated in Jharkhand but not in Maharashtra or Tamil Nadu. Therefore, customers should always check with their local bank branches or refer to the state-specific holiday list before planning a visit.
Impact of Holidays on Banking Services
While physical bank branches will remain closed on the mentioned days, most essential banking services will continue to operate through digital platforms. Here’s what customers should know:
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ATM Services : Cash withdrawal through ATMs will remain functional. However, high demand during extended holidays may cause some machines to run out of cash. It’s advisable to withdraw cash in advance.
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UPI Transactions : Unified Payments Interface (UPI) services will work seamlessly. Customers can continue to transfer money, pay bills, or make merchant payments through platforms like PhonePe, Google Pay, Paytm, and BHIM.
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Internet and Mobile Banking : Online services like net banking, mobile apps, and SMS banking will remain unaffected. Account holders can still check balances, transfer funds, or perform non-cash banking operations during the holidays.
However, some services like cheque clearance, cash deposits at counters, and passbook updates will be paused during the bank holidays. These require physical infrastructure and human intervention and hence are affected.
What Should Customers Do Before the Holidays?
If you have any critical or time-sensitive banking needs — like issuing demand drafts, applying for loans, cash deposits, or document submissions — try to complete them before the holiday period starts. Also, if you’re planning a big financial transaction or a trip that may require branch support, be sure to plan ahead.
Customers living in rural or semi-urban areas who are more reliant on physical bank branches should especially take note of these holidays. With limited access to digital banking in some areas, branch closures can cause delays or disruptions in daily financial operations.
Before visiting your bank, always check with your local branch or refer to the RBI or official bank holiday calendar to avoid wasted trips or missed deadlines.