A shopkeeper counting end-month cash, a parent queuing for a passbook update, a salary team closing books. Everyone watches the RBI calendar. December 2025 bank holidays look crowded again, and the headline is clear already: RBI Calendar: December 2025 Brings 13–18 Bank Holidays Nationwide. Plan early, avoid queues. That’s how it usually works, a pattern often highlighted across Latest News in India updates.
Overview of December 2025 Bank Holidays Announced by RBI
December closes the year with a mix of national, regional, and weekend closures. The RBI calendar groups them under the Negotiable Instruments Act, then states notify exact dates for their regions. Some days stay quiet statewide, others only in a few districts. And yes, Christmas sits at the centre. The rest adds up, sometimes quickly. Small differences, big impact on routine banking. That’s how we see it anyway.
Public holidays cluster near the end of the month. Add all Sundays, plus second and fourth Saturdays, and the count rises fast. A branch in Shillong won’t match a branch in Pune. Customers feel that mismatch during cheque clearing or locker visits. Digital rails keep moving, but counters pause. Feels normal by now.
Complete Date-Wise List of December 2025 Bank Holidays (Tabular Form)
| Calendar date | Occasion | Where branches shut | Notes for customers |
| 1 Dec | Indigenous Faith Day / State Day | Select North-East states | Local notice applies. Counters closed where declared. Digital channels are fine. |
| 3 Dec | Feast of St. Francis Xavier | Goa | Tourist zones get busy. ATMs near churches see higher use. Plan cash a bit early. |
| 12 Dec | Pa Togan Nengminja Sangma Day | Meghalaya | Regional closure only. Net banking, UPI, IMPS run as usual. |
| 19 Dec | Goa Liberation Day | Goa | State holiday. Evening spends rise in markets. Keep a backup card handy. |
| 25 Dec | Christmas | All India | Only nationwide bank holiday in December. Do cash withdrawals a day prior. |
| 27 Dec | Fourth Saturday | Nationwide | Standard weekend closure. Expect longer queues next working day. |
The table shows typical patterns. Exact city lists depend on state notifications, so branches publish local boards. People still walk in and ask, of course. Happens every year.
Nationwide Shutdown: Christmas 2025 as the Only All-India Bank Holiday
Christmas on 25 December triggers a uniform branch closure across India. Counters stay shut. Cheque instruments presented just before the date move to the next working day. UPI, IMPS, internet banking, mobile apps continue. Card payments at stores carry on. Airports remain lively, malls hum, but bank shutters stay down. Many households do cash withdrawals a day prior, a simple habit, and it saves trouble at dinner time. Sometimes it’s the small habits that matter.
State-Wise Bank Closures Across India in December 2025
The month also carries regional observances across North East corridors, coastal belts, and specific state days. Goa has two dates that feel festive, and traffic near Panaji proves it. Meghalaya notes cultural days that matter on the ground, so counters there close while other states work as usual. In Sikkim, local calendars shift footfall away from mid-morning to late afternoon. A teller will tell the same story with a shrug. Timings change, people adjust.
These local patterns explain why the headline count ranges between 13 and 18. A Mumbai customer checks only national and weekend closures. A Gangtok resident checks more lines. The difference between the two lists is not an argument, just geography.
Weekend Holidays: Second Saturday, Fourth Saturday & All Sundays
Weekend closures keep the structure steady. All Sundays are closed. Second Saturday, 13 December 2025. Fourth Saturday, 27 December 2025. These four or five weekends shape branch schedules and staff rosters. ATMs near markets empty by evening on such days, then refill late at night. Consider that before a train ride. People still forget and grumble at the kiosk. Happens.
Banks also run shorter staff on surrounding Fridays or Mondays due to leave planning. Not official closures, but queues feel longer. A manager will step out and redirect visitors to digital kiosks. Mixed success there.
How December’s Holiday Load Affects Banking Operations
- Cheque clearing: instruments lodged near a holiday window settle on the next working day. Salary teams must factor that last-week crunch.
- RTGS and NEFT: timings follow system rules, but settlement legs can shift if branch-based processes sit in between.
- Cash counters: higher walk-ins on the working day after each closure. Expect token systems and longer waits.
- Lockers: appointments get bunched. Gold loans too, near year-end.
- Customer support: IVR stays live, chat works, branch numbers ring longer than usual. Not ideal, but manageable.
On the flip side, digital rails soften the blow. UPI keeps buzzing, card rails keep authorising, wallets stay active at kirana stores. The noise of barcode scanners in a grocery aisle says the same thing. Money still moves.
Tips for Planning Banking Work During December 2025 Closures
- Withdraw cash one day early if a family event or travel sits on a holiday date.
- Present cheques at least two clear working days before a closure.
- Schedule RTGS for high-value transfers during stable mornings, not last hour.
- Book locker slots in advance, especially around 24 to 27 December.
- Keep alternate ID copies for KYC updates. Printers fail at odd times, Murphy’s law and all that.
A small note for businesses. Reconcile card settlements daily in the last week. Holiday gaps can mask short mismatches. Fix it on the spot, not after New Year.
FAQs on December 2025 RBI Bank Holidays
1. How many December 2025 bank holidays appear on the RBI calendar across India?
The RBC calendar indicates 13 to 18 days depending on regional notifications, plus regular weekend closures that lift the total in some states.
2. Which is the only nationwide bank holiday in December 2025 across all states?
Christmas on 25 December stands as the only all-India branch closure, while online and card channels continue to operate normally throughout the day.
3. Do digital modes work during December 2025 bank holidays without interruption?
UPI, IMPS, cards, and net banking generally remain available, though brief maintenance windows or local connectivity issues can still cause short delays.
4. Why does the holiday count differ between two cities inside the same country?
State-wise notifications define local observances, so a date that closes branches in Goa may remain a normal working day for branches in Gujarat.
5. How should companies plan salary runs and vendor payments during this crowded month?
Schedule approvals two business days early, align RTGS windows with morning slots, and avoid last-day cheque deposits that risk sliding into January.
