In case you are making some bank-related transactions in January 2026, an advance booking will be a must. According to the holiday calendar of the Reserve Bank of India (RBI), there will be a variety of closures in the banks of different states during the month due to local festivals, national holidays, and the regular weekend offs.
The total number of holidays for banks will vary from state to state. In certain locations, bank closures might go as high as 10 to 12 days if one takes into consideration Sundays, second and fourth Saturdays, and holidays as per the Negotiable Instruments Act.
Customers, however, can still use the majority of digital banking services such as UPI, mobile banking, and internet banking without any interruptions. Branch-dependent services including cash deposits, withdrawals, cheque clearances and document processing may be affected on holidays.
Key Bank Holidays in January 2026
- January 1 (Thursday): New Year’s Day / Gaan-Ngai
Observed in: Mizoram, Tamil Nadu, Sikkim, Manipur, Arunachal Pradesh, Nagaland, West Bengal, Meghalaya - January 2 (Friday): New Year Celebration / Mannam Jayanthi
Observed in: Kerala, Mizoram - January 3 (Saturday): Birthday of Hazrat Ali
Observed in: Uttar Pradesh - January 12 (Monday): Birth Anniversary of Swami Vivekananda
Observed in: West Bengal - January 14 (Wednesday): Makar Sankranti / Magh Bihu
Observed in: Assam, Odisha, Arunachal Pradesh - January 15 (Thursday): Uttarayana Punyakala / Pongal / Makara Sankranti
Observed in: Tamil Nadu, Karnataka, Andhra Pradesh, Telangana - January 16 (Friday): Thiruvalluvar Day
Observed in: Tamil Nadu - January 17 (Saturday): Uzhavar Thirunal
Observed in: Tamil Nadu - January 23 (Friday): Netaji Subhas Chandra Bose Jayanti / Saraswati Puja / Basanta Panchami / Vir Surendrasai Jayanti
Observed in: West Bengal, Odisha, Tripura - January 26 (Monday): Republic Day
Observed in: All states and Union Territories
City-wise Bank Holidays in January 2026
- Hyderabad: January 15 (Makara Sankranti), January 26 (Republic Day)
- Chennai: January 1, 15, 16, 17, 23, 26
- Kolkata: January 1, 12, 23, 26
- Bengaluru: January 15, 26
- Mumbai: January 26
- New Delhi: January 26
- Ahmedabad: January 14, 26
- Lucknow: January 3, 26
- Guwahati: January 14, 26
- Thiruvananthapuram: January 2, 26
- Vijayawada: January 15, 26
The closest branches of the bank’s customers are to be visited for getting the information regarding the state-only holidays and for talking about money transactions in advance so that there will be no inconveniences at the time of the holidays.
