Banks across India will remain closed for four consecutive days from July 13-19, 2026, affecting physical banking services at branches of major lenders including SBI, HDFC Bank, ICICI Bank, Punjab National Bank and other financial institutions. Today, July 11, marks the mandatory second Saturday closure under RBI's holiday schedule, followed by the extended four-day closure from July 13-19. The RBI categorizes bank holidays into three main types: holidays under the Negotiable Instruments Act affecting cheque clearing, RTGS holidays when Real Time Gross Settlement transactions are not processed, and bank closing of accounts typically observed on April 1 for annual account closing.
Despite physical branches being closed for four consecutive days, digital and online banking services will continue to operate normally. The central bank's holiday schedule ensures that customers can carry out essential banking transactions online without disruption. The digital services include internet banking, mobile banking, UPI services, IMPS, NEFT and RTGS transfers (as per settlement timings), utility bill payments, mobile phone recharges, fixed deposit operations (if available online), account balance checks, statement downloads, and debit/credit card management through bank digital platforms. However, services that require visiting a bank branch such as cheque clearance, cash deposits at the counter, demand draft issuance, locker operations or document verification will be available only on the next working day after the holiday period. ATM services will remain operational as usual, enabling customers to withdraw cash and use cash deposit machines at select locations.
July 16 (Thursday) will see banks closed in Bhubaneswar, Dehradun and Imphal for regional festivals including Ratha Yatra, Kang (Rathajatra) and Harela. July 17 (Friday) will see banking services non-operational in Shillong for the death anniversary of freedom fighter U Tirot Singh, and July 18 (Saturday) will see banks closed in Gangtok for the Buddhist festival Drukpa Tshe-zi. These state-specific holidays are marked as non-working days under the 'Negotiable Instruments Act' and other banking regulations, ensuring comprehensive coverage of regional festivals and cultural observances across different states. Customers are advised to complete any branch-related work in advance if they are located in cities observing regional holidays later in the week.
The RBI calendar shows additional banking holidays this month, including Sundays on 12, 19 and 26 July, and Fourth Saturday on 25 July. As reported by Mint, certain days are marked as non-working days for banks under 'Negotiable Instruments Act' and other provisions under 'Banks' Closing of Accounts' regulations. The holiday schedule specifically lists 16 July as MHIP Day/Birth Anniversary of Dr. Syama Prasad Mookerjee, 17 July as Death Anniversary of U Tirot Singh, and 18 July as Ratha Yatra/Kang (Rathajatra)/Harela in Manipur. July 22 (Wednesday) will see banks in Tripura (Agartala) closed for Kharchi Puja, a major regional festival celebrated in northeastern India. These state-specific holidays are marked as non-working days under the 'Negotiable Instruments Act' and other banking regulations, ensuring comprehensive coverage of regional festivals and cultural observances across different states.
Looking ahead, banking operations will be paused in select locations or nationwide on the following dates later this month: July 22 (Wednesday) will see banks in Tripura closed for Kharchi Puja celebrations, and July 25 (Saturday) will see nationwide closure for the fourth Saturday of the month, a mandatory holiday for all scheduled and non-scheduled banks. July 26 (Sunday) will see nationwide weekly holiday. Customers are advised to complete branch-related banking work on working days and rely on digital channels during holidays to avoid inconvenience.
