Are Banks Closed On Saturday, January 31, 2026?

Is the bank in your city open on January 31? Many people are unsure whether branches in their area will remain open on the day. The confusion largely stems from the fact that January 31 falls on a Saturday, and banks in India usually remain closed on the second and fourth Saturdays of every month.

This pattern often leads people to assume that all Saturdays are non-working days for banks, which is not the case.

Will the bank be open on January 31?

To clear the doubt, banks will remain open on Saturday, January 31. Since it is the fifth Saturday of the month, regular banking operations will continue as usual. As per existing rules, banks are only closed on the second and fourth Saturdays, while they function normally on the first, third, and fifth Saturdays, unless

a specific holiday is declared.

Nationalised banks in India follow the holiday calendar issued by the Reserve Bank of India (RBI). This calendar includes a detailed list of bank holidays, which are decided on a state-wise basis. These holidays may vary depending on regional festivals, state-specific events, or local observances. Customers are therefore advised to always check the RBI holiday list relevant to their state before planning bank visits.

According to the RBI’s official holiday calendar, no bank holiday has been announced for January 31 in Maharashtra. This means that banks in the state will operate normally on that day. The same applies to most other states, unless a local holiday has been declared separately by the respective state government.

Bank timings may vary

It is important to note that while physical bank branches will remain open, working hours on Saturdays are usually shorter compared to weekdays. Most banks operate till early afternoon on Saturdays, so customers are advised to plan their visits accordingly.

Meanwhile, digital banking services such as net banking, mobile banking, UPI transactions, and ATM services will continue to function as usual, regardless of branch working days. However, services that require in-branch processing, such as document submissions or cheque clearances, will depend on branch timings. You can visit your bank branches for regular services, but checking local branch timings in advance is always a good idea.