In accordance with the Negotiable Instruments Act of 1881, the central government classifies holidays into three categories: those covered by the Act, real-time gross settlement holidays, and bank account closing holidays.In addition to festivals and national holidays, there will be 24 Saturdays off throughout the year, occurring on the second and fourth Saturdays of each month. If a month has five Saturdays, banks will remain open on the fifth Saturday.
Key national holidays in 2024:
- October 2 (Mahatma Gandhi Jayanti)
- August 15 (Independence Day)
- January 26 (Republic Day)
On these dates, banks across India will be closed. However, specific states may observe additional holidays. For instance, Karnataka celebrates Karnataka Rajyotasava on November 1, leading to bank closures in the state. In Maharashtra, banks will be closed on May 1 for May Day or Maharashtra Day.
It’s important to note that the dates for festivals like Diwali and Ganesh Chaturthi may vary from state to state.
For individuals relying on traditional banking services, it’s also important to check with local bank branches for the specific holiday schedule in their region before planning any visits. Fortunately, the rise of online banking and mobile banking has provided a convenient alternative for conducting transactions.
Here is the full list of bank holidays in 2024:
| Date |
Day | Holiday | Observed in the state |
| 1 January | Monday | New Year | All over India |
| 11 January | Thursday | Missionary Day | Mizoram |
| 12 January | Friday | Swami Vivekananda Jayanti | West Bengal |
| 13 January | Saturday | Second Saturday | National |
| 13 January | Saturday | Lohri | Punjab and other states |
| 14 January | Sunday | Sankranti | Several states |
| 15 January | Monday | Pongal | Tamil Nadu, Andhra Pradesh |
| 15 January | Monday | Thiruvalluvar Day | Tamil Nadu |
| 16 January | Tuesday | Tusu Puja | West Bengal and Assam |
| 17 January | Wednesday | Guru Govind Singh Jayanti | Several States |
| 23 January | Tuesday | Netaji Subhas Chandra Bose Jayanti | Several states |
| 25 January | Thursday | State Day | Himachal Pradesh |
| 26 January | Friday | Republic Day | All over India |
| 27 January | Saturday | Fourth Saturday | National |
| 31 January | Wednesday | Me-Dam-Me-Phi | Assam |
| 10 February | Saturday | Second Saturday | All over India |
| 15 February | Thursday | Lui-Ngai-Ni | Manipur |
| 19 February | Monday | Shivaji Jayanti | Maharashtra |
| 24 February | Saturday | Fourth Saturday | National |
| 8 March | Friday | Maha Shivratri/ Shivaratri | Restricted Holiday |
| 12 March | Tuesday | Ramadan | Start Observance |
| 20 March | Wednesday | Equinox | Observance |
| 23 March | Saturday | Bhagat Singh Martyrdom Day | Several states |
| 25 March | Monday | Holi | National holiday |
| 25 March | Monday | Dol jatra | Restricted Holiday |
| 28 March | Thursday | Maundy Thursday | Observance |
| 29 March | Friday | Good Friday | National holiday |
| 9 April | Tuesday | Ugadi/Gudi Padwa | Karnataka, Telangana, Andhra Pradesh, and Maharashtra |
| 10 April | Wednesday | Eid ul Fitr | National holiday |
| 13 April | Saturday | Second Saturday | National |
| 14 April | Sunday | Dr Ambedkar Jayanti | Several states |
| 14 April | Sunday | Vishu | Kerala |
| 17 April | Wednesday | Ram Navami | Several states |
| 21 April | Sunday | Mahavir Jayanti | Karnataka, Rajasthan, Delhi, Haryana, Delhi, Maharashtra, Uttar Pradesh, Tamil Nadu, Madhya Pradesh and Punjab |
| 27 April | Saturday | Fourth Saturday | National |
| 1 May | Wednesday | May Day/Maharashtra Day | All over India/Maharashtra |
| 8 May | Wednesday | Birthday of Guru Rabindranath Tagore | West Bengal |
| 11 May | Saturday | Second Saturday | National |
| 25 May | Saturday | Fourth Saturday | National |
| 8 June | Saturday | Second Saturday | National |
| 9 June | Sunday | Maharana Pratap Jayanti | Himachal Pradesh, Haryana, and Rajasthan |
| 10 June | Monday | Martyrdom Day of Sri Guru Arjun Dev ji | Punjab |
| 15 June | Saturday | YMA Day | Mizoram |
| 16 June | Sunday | Eid al-Adha | All over India |
| 22 June | Saturday | Second Saturday | National |
| 6 July | Saturday | MHIP Day | Mizoram |
| 13 July | Saturday | Second Saturday | National |
| 17 July | Wednesday | Muharram | National apart from Arunachal Pradesh, Assam, Chhattisgarh, Dadra and Nagar Haveli, Daman and Diu, Goa, Haryana, Kerala, Manipur, Meghalaya, Nagaland, Pondicherry, Punjab, Sikkim, Uttarakhand, and West Bengal |
| 27 July | Saturday | Fourth Saturday | All over India |
| 31 July | Wednesday | Shaheed Udam Singh Martyrdom Day | Haryana and Punjab |
| 10 August | Saturday | Second Saturday | All over India |
| 15 August | Thursday | Independence Day, Parsi New Year | All over India |
| 19 August | Monday | Rakhi | Uttar Pradesh, Gujarat, Rajasthan, Madhya Pradesh and Haryana |
| 24 August | Saturday | Fourth Saturday | National |
| 26 August | Monday | Krishna Janmashtami | Several states |
| 7 September | Saturday | Vinayaka Chaturthi | All over India |
| 8 September | Sunday | Nuakhai | Odisha |
| 13 September | Friday | Ramdev Jayanti/Teja Dashmi | Rajasthan |
| 14 September | Saturday | Onam/Second Saturday | Kerala/National |
| 15 September | Sunday | Thiruvonam | Kerala |
| 16 September | Monday | Eid e Milad | All over India |
| 17 September | Tuesday | Indra Jatra | Sikkim |
| 18 September | Wednesday | Sree Narayana Guru Jayanti | Kerala |
| 21 September | Saturday | Shree Narayana Guru Samadhi | Kerala |
| 23 September | Monday | Heroes’ Martyrdom Day | Haryana |
| 28 September | Saturday | Fourth Saturday | National |
| 2 October | Wednesday | Gandhi Jayanti | All over India |
| 10 October | Thursday | Maha Saptami | Several states |
| 11 October | Friday | Maha Ashtami | All over India |
| 12 October | Saturday | Second Saturday/Maha Navami/Vijaya Dashami | All over India |
| 26 October | Saturday | Fourth Saturday | National |
| 31 October | Thursday | Sardar Vallabhbhai Patel’s Birthday | Gujarat |
| 1 November | Friday | Kut/Puducherry Liberation Day/Haryana Day/Karnataka Rajyotsava/Kerala Piravi | Manipur/Puducherry/Haryana/Karnataka/Kerala |
| 2 November | Saturday | Vikram Samvat New Year/Ningol Chakouba | Several states/Manipur |
| 7 November | Thursday | Chhat Puja | Bihar |
| 9 November | Saturday | Second Saturday | National |
| 15 November | Friday | Guru Nanak Jayanti | Punjab, Chandigarh |
| 18 November | Monday | Kanaka Dasa Jayanti | Karnataka |
| 23 November | Saturday | Fourth Saturday |
National |
| 14 December | Saturday | Second Saturday | All over India |
| 25 December | Wednesday | Christmas | All over India |
| 28 December | Saturday | Fourth Saturday | National |
Online banking
Online banking, also known as virtual banking or e-banking, allows users to perform a variety of financial and non-financial activities through a financial institution’s website. Services include National Electronic Fund Transfer (NEFT), Electronic Clearing System (ECS), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS).
For hassle-free online transactions, it’s important to ensure that online and mobile banking services are activated, and the mobile number is linked to receive OTPs. This not only facilitates financial transactions but also allows users to perform non-financial transactions without the need to visit a physical bank branch, especially during holidays.