Planning any important banking activity in early September 2025? Be sure to check your state’s holiday calendar. According to the Reserve Bank of India (RBI), banks in several Indian states will be closed on five separate days between September 1 and 7. These closures are due to various regional and religious festivals, including Karma Puja, Onam, Thiruvonam, Milad-un-Nabi and Indrajatra. While these are not nationwide shutdowns, they could affect services in your city, especially if you rely on branch visits, cheque clearances or locker access.
In this blog, you’ll find the full holiday schedule, impacted locations, available digital services and expert tips on how to manage your finances smoothly throughout the week.
RBI’s Bank Holiday Guidelines
The RBI classifies bank holidays under the following categories:
- Negotiable Instruments Act holidays (most applicable to customers)
- RTGS holidays
- Banks’ annual account-closing days
Additionally, RBI mandates weekly closures as follows:
|
Day of the Week |
Bank Status |
|
1st Saturday |
Working Day |
|
2nd Saturday |
Holiday |
|
3rd Saturday |
Working Day |
|
4th Saturday |
Holiday |
|
5th Saturday |
Working Day |
|
Every Sunday |
Holiday |
Note: Since September 7, 2025, is a Sunday, all banks across India will be closed that day.
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Full Bank Holiday Schedule: September 1st to 7th, 2025
Here is a state-wise and day-wise breakdown of the upcoming bank holidays in the first week of September 2025:
|
Date |
Day |
Holiday / Festival |
Affected States / Cities |
|
September 3 |
Wednesday |
Karma Puja |
Jharkhand |
|
September 4 |
Thursday |
First Onam |
Kerala (Thiruvananthapuram, Kochi) |
|
September 5 |
Friday |
Id-E-Milad / Thiruvonam |
Gujarat, Maharashtra, Madhya Pradesh, Mizoram, Tamil Nadu, Uttarakhand, Hyderabad, Vijayawada, Manipur, Jammu, Karnataka, Uttar Pradesh, Kerala, New Delhi, Jharkhand, Srinagar |
|
September 6 |
Saturday |
Id-E-Milad / Indrajatra |
Sikkim, Chhattisgarh |
|
September 7 |
Sunday |
Weekly Holiday |
Nationwide (All banks closed) |
Note: These are regional closures. Not all banks across India will be closed on all five days. Always verify with your local branch.
Impact on Banking Services
When banks are closed, the following in-person services are unavailable:
|
Service |
Availability During Holidays |
|
Cash deposit and withdrawal (at the branch) |
Not available |
|
Cheque clearance |
Postponed to the next working day |
|
Demand draft / Pay order issuance |
Not available |
|
Loan consultations/disbursements |
Not available |
|
Locker access |
Not available |
|
In-branch account opening |
Not available |
What Transactions Can Be Done During Holidays?
Thanks to advancements in digital banking infrastructure, many services continue to operate 24/7, including on holidays.
|
Transaction Type |
Availability |
|
UPI Payments (Google Pay, PhonePe, etc.) |
Fully Functional |
|
Net Banking / Mobile Banking |
Available 24/7 |
|
ATM Withdrawals |
Available (subject to cash availability) |
|
Credit/Debit Card Payments |
Available |
|
Bill Payments |
Available |
|
NEFT / RTGS / IMPS |
Available (Check cut-off times for RTGS) |
Note: Only services requiring branch access or manual processing are affected.
Important Considerations for Businesses and Individuals
When planning financial or operational activities during the first week of September 2025, it’s essential to be aware of the potential impact of bank holidays on various services. Here are key points that individuals and businesses should keep in mind to avoid disruptions:
- Cheque Transactions: Transactions involving cheques will be delayed if deposited on or just before a holiday.
- Loan Repayments: EMI auto-debits will typically be processed on schedule via ECS or standing instructions.
- ATM Maintenance or Replenishment Delays: In some regions with back-to-back holidays, ATM refill delays may occur.
- Weekend Effect: Since September 6 is a Saturday and September 7 is a Sunday, those relying on Saturday services may face a long weekend disruption if their city observes a holiday on September 6.
Tips to Manage Banking During This Period
With multiple state-specific bank closures expected between September 1 and 7, proactive financial planning becomes crucial. The following tips will help you navigate the week smoothly and ensure continued access to essential banking services:
- Plan Ahead: Complete high-priority transactions before September 2.
- Use Digital Tools: Install and configure your bank’s mobile app for smooth remote operations.
- Keep Emergency Cash: Especially in states with more than one closure this week.
- Schedule Bill Payments Early: Especially if using post-dated cheques.
- Avoid Visiting Branches on Friday, Sept 5: As it’s the most widely observed bank holiday this week.
Conclusion
From September 1 to 7, 2025, several states in India will observe five bank holidays due to key religious and cultural festivals. These are not continuous nationwide closures but staggered regionally, affecting different cities on different days.
To avoid disruptions:
- Check your local branch’s holiday schedule
- Complete key transactions early
- Use online services wherever possible
Whether you’re managing personal finances or running a business, smart preparation will help you stay ahead of delays during this week of scattered bank closures.
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