Customers of Indian banks must be ready well in advance since the period between January 5 and January 12, 2026, will be marked by several regional holidays and routine bank closures. National holidays like Republic Day will not arrive until later, on January 26. However, local celebrations will cause the closure of branches in major areas. The services of digital banking, ATMs, and online work will still be available countrywide.
Key Closures in Focus
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January 11 (Sunday): The weekly off across all states and no bank operations everywhere.
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January 12 (Monday): Swami Vivekananda Jayanti holiday, which will include the branches of Agartala, Bhubaneswar, Kolkata, and Chennai, that might be affected.
There won’t be any significant national holidays during this week; however, the second Saturdays (Jan 10) are already considered as regular prepayment days. It’s essential to confirm with your bank’s app or RBI portal for localized updates, as holidays are determined by the Negotiable Instruments Act and state gazettes.
State-Specific Breakdown (Jan 5-12): Plan Your Finances Wisely
| Date | Day | Holiday/Event | Affected States/Regions |
| Jan 5-9 | Mon-Fri | Working days (no holidays) | All states open |
| Jan-10 | Sat | 2nd Saturday | All India (prepayment day) |
| Jan-11 | Sun | Weekly holiday | All India |
| Jan-12 | Mon | Swami Vivekananda Jayanti | West Bengal (Kolkata, etc.) |
Complete all cheque clearings, deposits, or loan payments before the weekends. Soon, banks will be closed for Makar Sankranti (Jan 14 in Assam and Odisha) and Pongal (Jan 15 in Tamil Nadu and Karnataka), which are post-holiday periods. So, use UPI, net banking, or IMPS for smooth transactions. Always check your branch’s status through the RBI’s official 2026 holiday list so that you don’t face any last-minute trouble.
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