January 2026 bank holidays are being tracked early, since branch closures can push routine banking into the next working window. January 2026 Bank Holidays: Full State-Wise List matters because counters shut on weekend rules, national holidays, and state-notified festival days, a detail often highlighted under Latest News in India. Digital services usually run, but branch-only work still waits.
January follows Sunday closures plus second and fourth Saturday branch closures. State-notified festival holidays add extra closures in some regions, while Republic Day remains nationwide. Easy to miss in a busy month.
Complete List of January 2026 Bank Holidays (Date-Wise Table)
The table lists the main closure drivers used in most planning. State-only holidays sit later, since coverage varies by state and union territory.
| Date (Jan 2026) | Day | Holiday / Closure Type | Coverage |
| 1 | Thu | New Year’s Day (state-wise) | Selected states and cities |
| 4, 11, 18, 25 | Sun | Weekly closure | Pan-India (branches) |
| 10 | Sat | Second Saturday | Pan-India (branches) |
| 14 | Wed | Makar Sankranti and related harvest holidays | Many states, not all |
| 15 | Thu | Regional harvest festivals (example: Magh Bihu) | State-wise |
| 24 | Sat | Fourth Saturday | Pan-India (branches) |
| 26 | Mon | Republic Day | Pan-India (branches) |
A few states may notify one more local closure. Rare, yet it happens.
Why Bank Holidays Vary Across States in January 2026
States notify many public holidays, and banks follow the notified list linked to branch location. RBI schedules reflect these notified days, yet coverage still changes state-wise. January adds harvest festivals with different names, so the holiday map shifts across regions. That is the root issue.
State-Wise January 2026 Bank Holidays
A full state-wise list runs long, so the focus stays on the common January add-ons that affect planning. The pointers below show where extra closures often appear. Not glamorous, just useful.
- Tamil Nadu: Pongal period can add multiple mid-month branch closures.
- Assam and parts of the North-East: Magh Bihu can add a mid-month closure.
- West Bengal and some eastern states: Netaji Subhas Chandra Bose Jayanti is notified in some places.
Banks operate by branch state, not the account holder’s home state. That detail gets missed.
Major Festivals and National Holidays in January 2026
January carries national dates plus regional festival days. Coverage varies, the names stay familiar.
Key observances that can affect bank branches:
- New Year’s Day (1 January) in several states and metro areas.
- Makar Sankranti week (around 14 January) across many states.
- Republic Day (26 January) nationwide.
Same month, different closures. Normal here.
Impact of Bank Holidays on Banking and Transactions
Branch closures affect cash deposits, lockers, KYC changes, cheque work, and in-person service requests. Pending tasks move to the next working day, so queues can rise. Annoying, yes.
Digital banking generally continues. UPI keeps running, and NEFT and RTGS can operate round the clock, yet branch desks and approvals may pause. Screens help, counters still matter.
Tips to Plan Your Banking in January 2026
Planning reduces branch rush. The steps are plain.
- Finish cash withdrawals and branch visits before the 24–26 January closure stretch.
- Keep cheque-heavy work earlier in the week, not near a weekend cluster.
Early hours reduce crowding. Not always, but often.
January 2026 Long Weekends Across India
The main closure cluster lands at month end: 24 January (fourth Saturday), 25 January (Sunday), and 26 January (Republic Day). That can mean three straight non-working days for branches, so counter work shifts to 27 January. Another common two-day break appears on 10 January and 11 January. State festivals can extend breaks in a few regions.
January 2026 Holiday Recap
January 2026 Bank Holidays: Full State-Wise List stays relevant because the month combines weekend closures, state-notified festival holidays, and the fixed Republic Day shutdown. The nationwide pattern is steady: Sundays, second Saturday, fourth Saturday, and 26 January.
Variation comes via state calendars around 1 January and the harvest holiday week near 14 January. Branch-only work needs buffer time, mainly near 24–26 January. Digital banking can handle many transfers, yet counter service still waits.
Frequently Asked Questions on January 2026 Bank Holidays
1) Is 1 January 2026 a bank holiday across India?
No. Several states notify New Year’s Day as a bank holiday, while many states keep branches open that day.
2) Are all banks closed on 10 January and 24 January 2026?
Yes for branches. Second and fourth Saturdays are standard non-working days for bank branches across India, state-wise.
3) Does 14 January 2026 close banks in every state due to Makar Sankranti?
No. Many states notify a holiday around 14 January, but a few states treat it as a working day.
4) Do UPI, NEFT, and RTGS stop during January 2026 bank holidays?
UPI usually continues. NEFT and RTGS can run round the clock, yet branch desks, disputes, and approvals may pause.
5) What is the safest check for the January 2026 Bank Holidays: Full State-Wise List?
The safest check is the holiday list for the branch state and city, since notified holidays vary sharply by location.
