In India, banks remain closed on the second and fourth Saturdays of every month, following a regulatory mandate by the Reserve Bank of India (RBI) implemented from September 1, 2015. This scheduled Saturday Bank Holiday ensures consistency and predictability for both customers and bank employees across public, private, cooperative, and regional rural banks.
As per this policy, the first, third, and fifth Saturdays remain full working days, while the second and fourth Saturdays are treated as official bank holidays. This structure applies uniformly across all scheduled and non-scheduled commercial banks.
For 2025, this blog provides the full list of Saturday bank holidays, official operational guidelines from the RBI, bank working hours on Saturdays, and notable festivals falling on Saturdays that may impact services.
| In September 2015, the Reserve Bank of India (RBI), in consultation with the Indian Banks’ Association (IBA), implemented a uniform rule declaring the 2nd and 4th Saturdays of each month as official bank holidays. This move was aimed at promoting work-life balance for banking staff, ensuring operational uniformity across institutions, and aligning Indian banking schedules with global practices |
List of Bank Holidays on Saturdays in 2025
As per RBI guidelines, all Indian banks — public and private — will be closed on the second and fourth Saturdays of each month in 2025. These dates are uniform across all states and union territories, unless a local or national holiday falls on the same day.
Here’s the complete list of Saturday bank holidays for the year 2025:
| Date | Day | Holiday |
| 11 January 2025 | Saturday | 2nd Saturday Bank Holiday |
| 25 January 2025 | Saturday | 4th Saturday Bank Holiday |
| 08 February 2025 | Saturday | 2nd Saturday Bank Holiday |
| 22 February 2025 | Saturday | 4th Saturday Bank Holiday |
| 08 March 2025 | Saturday | 2nd Saturday Bank Holiday |
| 22 March 2025 | Saturday | 4th Saturday Bank Holiday |
| 12 April 2025 | Saturday | 2nd Saturday Bank Holiday |
| 26 April 2025 | Saturday | 4th Saturday Bank Holiday |
| 10 May 2025 | Saturday | 2nd Saturday Bank Holiday |
| 24 May 2025 | Saturday | 4th Saturday Bank Holiday |
| 14 June 2025 | Saturday | 2nd Saturday Bank Holiday |
| 28 June 2025 | Saturday | 4th Saturday Bank Holiday |
| 12 July 2025 | Saturday | 2nd Saturday Bank Holiday |
| 26 July 2025 | Saturday | 4th Saturday Bank Holiday |
| 09 August 2025 | Saturday | 2nd Saturday Bank Holiday |
| 23 August 2025 | Saturday | 4th Saturday Bank Holiday |
| 13 September 2025 | Saturday | 2nd Saturday Bank Holiday |
| 27 September 2025 | Saturday | 4th Saturday Bank Holiday |
| 11 October 2025 | Saturday | 2nd Saturday Bank Holiday |
| 25 October 2025 | Saturday | 4th Saturday Bank Holiday |
| 08 November 2025 | Saturday | 2nd Saturday Bank Holiday |
| 22 November 2025 | Saturday | 4th Saturday Bank Holiday |
| 13 December 2025 | Saturday | 2nd Saturday Bank Holiday |
| 27 December 2025 | Saturday | 4th Saturday Bank Holiday |
Full Day on Saturday
Let’s understand the full day & holiday schedule on Saturdays in banks as per the RBI guidelines from below:
RBI’s Notification on Working and Non-Working Saturdays
As per the RBI circular dated August 28, 2015, all banks in India — including public, private, foreign, cooperative, and regional rural banks — are required to:
• Remain fully closed on the 2nd and 4th Saturdays of every month
• Operate for a full working day on 1st, 3rd, and 5th Saturdays, if applicable
This directive ensures operational uniformity across India’s banking system and simplifies banking schedules for customers.
Suggested Read: Bank Timings
Key Provisions from the RBI Circular
♦ Operational Days
⇒ Banks remain open from 10:00 AM to 4:00 PM (approximate standard hours) on working Saturdays.
⇒ All normal banking services — deposits, withdrawals, customer service, and check clearing—are available.
♦ Closed Days
⇒ On 2nd and 4th Saturdays, branches are fully closed.
⇒ NEFT and RTGS systems are unavailable on these non-working Saturdays.
♦ RBI Support Services
⇒ RBI continues operating certain back-end systems (like the liquidity adjustment facility) on working Saturdays.
⇒ However, financial market segments such as Forex and government securities markets remain closed on all Saturdays.
♦ Government Notification Reference:
⇒ The policy is governed under Section 25 of the Negotiable Instruments Act, 1881, which legally recognizes the 2nd and 4th Saturdays as bank holidays.
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Bank Timings on Saturday
On the 1st, 3rd, and 5th Saturdays, banks across India operate just like any regular business day. While exact hours may vary slightly between institutions and branches, the following timings represent standard banking operations and transaction window guidelines.
Common Saturday Banking Hours
| Bank Type | Typical Working Hours on Saturdays |
| Public Sector Banks | 10:00 AM – 4:00 PM |
| Private Sector Banks | 9:30 AM – 3:30 PM or 10:00 AM – 4:00 PM |
| Regional Rural Banks | 10:00 AM – 3:00 PM |
| Cooperative Banks | 10:00 AM – 2:00 PM |
Note: Hours may vary based on branch location and bank policy.
Fund Transfer Timings on Saturdays
| Mode | Available on working Saturdays? | Cut-off/Availability |
| NEFT | Yes | 8:00 AM – 7:00 PM (settled in batches) |
| RTGS | Yes | 7:00 AM – 6:00 PM (real-time settlement) |
| IMPS | Yes (24×7) | Real-time, including weekends and holidays |
| UPI | Yes (24×7) | Instant, continuous, including non-working days |
| Cheque Clearing | Yes | Subject to same-day cut-off, varies by bank region |
What’s NOT Available on 2nd & 4th Saturdays:
- All physical banking services (branches remain closed)
- RTGS and NEFT processing is suspended via branch route (online modes may queue up for next working day)
Cheque clearing services are paused until the next operational day.
Suggested Read: SBI Bank Timings
Festivals & Important Days on Saturday 2025
In 2025, several national festivals, religious observances, and commemorative days fall on Saturdays. When these overlap with 2nd or 4th Saturdays, banks remain closed by default. If a major holiday falls on a working Saturday (1st, 3rd, or 5th), banks may close based on state-specific notifications.
Here’s a list of key Saturdays in 2025 featuring major holidays or notable days:
Saturday Festivals & Observances
| Date | Day | Occasion | Bank Holiday Status |
| 11 January | 2nd Saturday | — | Closed (Regular 2nd Saturday) |
| 25 January | 4th Saturday | National Voters’ Day | Closed (Regular 4th Saturday) |
| 01 March | 1st Saturday | Maha Shivratri | Open (State-specific closure possible) |
| 12 April | 2nd Saturday | — | Closed (Regular 2nd Saturday) |
| 19 April | 3rd Saturday | Hanuman Jayanti | Open (Holiday in some states) |
| 26 April | 4th Saturday | — | Closed (Regular 4th Saturday) |
| 21 June | 3rd Saturday | International Yoga Day | Open |
| 15 August | Friday | Independence Day | Bank holiday (Not Saturday) |
| 23 August | 4th Saturday | — | Closed (Regular 4th Saturday) |
| 04 October | 1st Saturday | World Animal Day | Open |
| 18 October | 3rd Saturday | Dhanteras | Open (Markets active; no bank closure) |
| 25 October | 4th Saturday | Govardhan Puja (Day after Diwali) | Closed (Coincides with bank holiday) |
| 08 November | 2nd Saturday | Kartik Purnima/Guru Nanak Jayanti | Closed (Holiday + 2nd Saturday) |
| 13 December | 2nd Saturday | — | Closed (Regular 2nd Saturday) |
Observations:
⇒ Guru Nanak Jayanti (8 Nov) falls on a 2nd Saturday — banks will remain closed in most states.
⇒ Govardhan Puja (25 Oct) aligns with a 4th Saturday — no separate closure required.
On other working Saturdays with observances like Hanuman Jayanti or Dhanteras, banks typically remain open unless notified otherwise by state authorities.
Suggested Read: HDFC Bank Holidays
Conclusion
In 2025, banks across India will continue to follow the Reserve Bank of India’s mandate of remaining closed on all 2nd and 4th Saturdays while staying fully operational on 1st, 3rd, and 5th Saturdays. This schedule standardizes banking services and helps customers plan transactions, especially around weekends and festivals.
The year includes 24 Saturday bank holidays, and any major national or regional holiday falling on a working Saturday will be governed by separate state-specific announcements. Additionally, digital banking platforms such as IMPS, UPI, and mobile apps remain functional even on bank holidays, offering round-the-clock convenience.
Understanding the Saturday holiday pattern, transaction windows, and festival dates is essential for ensuring smooth personal and business banking throughout the year.
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Frequently Asked Questions
Is it a bank holiday this Saturday?
It depends on the calendar — if it’s the 2nd or 4th Saturday, banks are closed. For all other Saturdays (1st, 3rd, or 5th), banks are open. Always check the current month’s calendar.
Why is 2nd and 4th Saturday a holiday?
The RBI issued a circular in August 2015 mandating a five-day banking week with 2nd and 4th Saturdays as holidays to improve work-life balance and system efficiency.
Is there holiday for 4th Saturday?
Yes, the 4th Saturday of every month is a designated bank holiday across India for all scheduled commercial and cooperative banks.
How many second and fourth Saturdays are there in 2025?
There are 24 Saturday bank holidays in 2025 — 12 second Saturdays and 12 fourth Saturdays.
Is 5th Saturday a bank holiday?
No, 5th Saturdays are full working days unless a separate public/state holiday is declared on that date.
Is 4th Saturday working for bank?
No, banks remain closed on every 4th Saturday as per RBI guidelines since 2015.
Does banking happen on Saturday?
Yes, banks operate on 1st, 3rd, and 5th Saturdays, offering full services including cash handling, NEFT, RTGS, and customer service.
On which Saturday bank will be closed?
Banks are closed on the 2nd and 4th Saturday of each month. All other Saturdays are regular working days.
How many second Saturdays are there in a month?
Every month has exactly one second Saturday, typically falling between the 8th and 14th of the month.
Can I use ATM after bank closes?
Yes, ATMs, UPI, internet banking, and mobile banking services remain functional 24×7, including weekends and holidays.
Is Saturday off in HDFC Bank?
Yes, HDFC Bank follows the RBI-mandated holiday schedule — closed on 2nd and 4th Saturdays, open on others.
Does Saturday bank holiday rule apply to foreign banks in India?
Yes, the rule applies to all scheduled banks, including foreign banks operating in India (e.g., Citi, HSBC, Standard Chartered), unless otherwise notified.
