India’s banking holiday system combines national observances, religious festivals, and state-level events. Not every closure applies everywhere. Some holidays affect only select states, while others follow nationwide rules laid down for banks.
Full list of key bank holidays in February 2026
1 February - Guru Ravidas Jayanti.
14 February - Second Saturday (regular bank closure).
15 February – Mahashivratri.
28 February - Fourth Saturday (regular bank closure).
Apart from these dates, banks remain shut on all Sundays as part of weekly closures. The second and fourth Saturday rule applies across the country, regardless of state.
Guru Ravidas Jayanti and Mahashivratri are observed in several states, but the level of closure may vary. In some places, all bank branches shut. In others, only certain regions observe the day officially. That difference matters when travel or document submission is involved.
What services are affected during bank holidays
On these bank holidays, physical branch services do not operate. That includes cash counters, cheque processing at branches, document submission desks, and in-person account services. Clearing timelines may also shift by a day depending on the holiday pattern.
Digital services, however, continue to function.
Customers can still use UPI, net banking, mobile banking apps, IMPS transfers, and ATM withdrawals. Online bill payments and fund transfers remain available unless a technical maintenance window is announced separately.
Why checking state notices matters
The Reserve Bank of India (RBI) sets the broader framework, but state governments issue regional holiday notifications. This means a holiday listed nationally may not affect every district the same way. Local variations are common.
Before scheduling important banking work, customers are advised to verify updates through official bank notifications or RBI holiday lists. A quick check often avoids delays.
