Bank Timings

Bank Opening Timings in India for banks typically open around 9:30 AM and close at 5:30 PM.

However, these timings can vary slightly depending on the specific bank, branch location, and the services offered. Some banks may have extended hours or shorter operational windows.

This webpage provides essential information on Bank timing, its opening and closing hours for major banks in India, including weekday, Saturday, and holiday schedules.

Table of Contents:

• ⇾ Major Banks of India Working Hours
• ⇾ Bank Lunch Time
• ⇾ Bank Timing on Saturdays
• ⇾ RBI, NEFT, and RTGS Bank Timings
• ⇾ Banking services are Available on Holidays
• ⇾ Banking Services Not Available on Holidays
• ⇾ Frequently Asked Questions

Major Banks of India Working Hours

Knowing the bank opening and closing times for major banks can help you plan visits and banking activities efficiently. This table outlines the general opening and closing hours for several prominent banks in India, including weekday and Saturday timings where applicable. Please note that hours may vary by branch and region.

Bank Lunch Time

Most banks in India observe lunch breaks between 1:00 PM and 3:00 PM, although timings may vary slightly between banks and branches. The table below provides a general guide to lunch hours for some major banks.

Bank Timing on Saturdays

Most banks in India operate at similar times on the 1st, 3rd, and 5th Saturdays of the month as they do on weekdays. However, on the 2nd and 4th Saturdays, banks are closed. The table below lists the typical weekday and Saturday hours for major banks.

Disclaimer: These timings can vary slightly by branch and region, so it's advisable to check with your specific bank branch for accurate details.

NEFT & RTGS Transfer Bank Timings

The Reserve Bank of India (RBI) has set specific timings for National Electronic Funds Transfer (NEFT) and Real-Time Gross Settlement (RTGS) to facilitate smooth and efficient fund transfers:

NEFT Timings: NEFT is available 24x7, including weekends and holidays. Transactions are processed in half-hourly batches, ensuring funds are transferred quickly.

RTGS Timings: RTGS operates from 7:00 AM to 6:00 PM on weekdays and Saturdays, except for the second and fourth Saturdays of each month, when RTGS is unavailable. It provides immediate fund transfers for high-value transactions, making it ideal for urgent transfers. RTGS is also available 24 hours a day, 7 days a week, and 365 days a year.

Banking Services Available on Holidays

While most bank branches remain closed on public holidays, certain essential banking services are still accessible to customers. Here are some banking services typically available on holidays:

• ATM Services: ATMs remain operational, allowing customers to withdraw cash, check balances, and make deposits.
• Online Banking: Internet banking platforms provide access to account management, fund transfers, bill payments, and other services.
• Mobile Banking: Banking apps enable customers to perform transactions, monitor accounts, and access a range of services from their mobile devices.
• Net Banking: Through net banking, customers can manage their accounts, transfer funds, pay bills, and access a wide range of services from anywhere, even on holidays.
• Cash Deposit Machines (CDM): Many banks operate CDMs that allow customers to deposit cash and even make basic transactions when branches are closed.
• Cheque Drop and Deposit Boxes: Cheque drop and deposit boxes located at ATMs or outside branches allow customers to submit cheques even on holidays, though processing may occur on the next working day.

Banking Services Not Available on Holidays

While many essential banking services remain accessible on holidays, certain in-branch and specialized services are typically unavailable. Here are common banking services that are not offered on holidays:

• In-Branch Assistance: Personalized assistance from bank staff, including account setup, financial advice, and complex transactions, is unavailable as branches are closed.
• Cheque Processing: Although cheques can be dropped in deposit boxes, actual processing and clearance usually occur only on the next working day.
• Loan and Mortgage Services: Applications for loans, mortgages, and related services, including document verification and approvals, are paused on holidays.
• Locker Access: Safe deposit locker services are only accessible during regular banking hours on working days.
• Demand Draft and Pay Order Issuance: Issuance of demand drafts, pay orders, and other similar instruments is typically not available on holidays.
• In-Person KYC Verification: Services requiring face-to-face interaction, such as KYC verification and documentation updates, are suspended on holidays.