Here is the list of bank holidays for 2027, made for small business owners and MSME applicants. Banks in India are closed every Sunday and on the 2nd and 4th Saturday of each month. They are also closed on Republic Day (Tuesday, 26 January) and Gandhi Jayanti (Saturday, 2 October). Festival holidays vary by state. The Reserve Bank of India (RBI) has not released its 2027 list yet, so festival dates below are marked as expected. We will update this page when the official list comes out.
Where things stand (27 October 2026): We opened the RBI holiday page, and it shows 2026 as the latest year, so the 2027 list is not out yet. Sundays, 2nd and 4th Saturdays, Republic Day and Gandhi Jayanti are fixed. Every festival date is a good guess until RBI and your state confirm it.
Key Points for MSME Owners
- Banks are always closed on Sundays and on the 2nd and 4th Saturdays.
- Festival closures change by state, so check your state’s list before you plan payments.
- UPI, NEFT and RTGS usually work on holidays.
Bank Holidays in 2027
| Type of closure | 2027 count/dates | Applies to |
| Sundays | 52 | All banks, all states |
| Second Saturdays | 12 (Jan 9, Feb 13, Mar 13, Apr 10, May 8, Jun 12, Jul 10, Aug 14, Sep 11, Oct 9, Nov 13, Dec 11) | All banks, all states |
| Fourth Saturdays | 12 (Jan 23, Feb 27, Mar 27, Apr 24, May 22, Jun 26, Jul 24, Aug 28, Sep 25, Oct 23, Nov 27, Dec 25) | All banks, all states |
| Republic Day | Tuesday, 26 January | National |
| Independence Day | Sunday, 15 August (already a Sunday) | National |
| Gandhi Jayanti | Saturday, 2 October (a first Saturday, so an extra closure) | National |
| Festival and state holidays | Declared by each state | Varies by state and city |
Put together, that is at least 78 closed days in 2027: 52 Sundays, 24 second and fourth Saturdays, and 2 extra national days (26 January and 2 October). Your state may add more for local festivals.
Second and Fourth Saturday Bank Holidays in 2027
Banks close on the 2nd and 4th Saturday of every month. The other Saturdays are normal working days, unless your state or the RBI declares a holiday.
| Month | Second Saturday | Fourth Saturday | Working Saturdays |
| January | 9 | 23 | 2, 16, 30 |
| February | 13 | 27 | 6, 20 |
| March | 13 | 27 | 6, 20 |
| April | 10 | 24 | 3, 17 |
| May | 8 | 22 | 1, 15, 29 |
| June | 12 | 26 | 5, 19 |
| July | 10 | 24 | 3, 17, 31 |
| August | 14 | 28 | 7, 21 |
| September | 11 | 25 | 4, 18 |
| October | 9 | 23 | 16, 30 (2 October is closed, see note) |
| November | 13 | 27 | 6, 20 |
| December | 11 | 25 | 4, 18 |
Note: 2 October 2027 is the first Saturday, which is normally a working day. It is Gandhi Jayanti, so banks are closed that day too.
Month-Wise List of Bank Holidays in 2027
Each month below shows the fixed closures first, then the occasions to watch. The occasions are not confirmed bank holidays. The dates come from the central government’s 2027 holiday list (DoPT order of 16 July 2026) and standard calendars. Whether banks close depends on your state’s notice. Moon-based dates can shift by a day.
January 2027 Bank Holidays
- Sundays: 3, 10, 17, 24, 31
- Saturdays: 9 (2nd), 23 (4th)
- National: Tuesday, 26 January (Republic Day)
| Date | Day | Occasion | Status |
| 1 Jan | Friday | New Year’s Day | State-dependent |
| 14 Jan | Thursday | Makar Sankranti / Magha Bihu | State-dependent |
| 15 Jan | Friday | Pongal | State-dependent |
| 26 Jan | Tuesday | Republic Day | National |
February 2027 Bank Holidays
- Sundays: 7, 14, 21, 28
- Saturdays: 13 (2nd), 27 (4th)
| Date | Day | Occasion | Status |
| 11 Feb | Thursday | Basant Panchami | State-dependent |
| 19 Feb | Friday | Shivaji Jayanti | State-dependent |
| 20 Feb | Saturday | Guru Ravidas Jayanti | State-dependent |
March 2027 Bank Holidays
- Sundays: 7, 14, 21, 28
- Saturdays: 13 (2nd), 27 (4th)
| Date | Day | Occasion | Status |
| 6 Mar | Saturday | Maha Shivratri (a first Saturday) | State-dependent |
| 10 Mar | Wednesday | Id-ul-Fitr | Expected; moon-dependent |
| 22 Mar | Monday | Holika Dahan / Holi (panchang date) | State-dependent |
| 23 Mar | Tuesday | Holi (central government list date) | State-dependent |
| 26 Mar | Friday | Good Friday | Expected |
| 31 Mar | Wednesday | Financial year-end (not a holiday) | Working day |
Holi note: The central list shows Holi on Tuesday, 23 March, while the panchang date is Monday, 22 March. Which day banks close in your state depends on the state notification.
April 2027 Bank Holidays
- Sundays: 4, 11, 18, 25
- Saturdays: 10 (2nd), 24 (4th)
| Date | Day | Occasion | Status |
| 1 Apr | Thursday | Yearly closing of bank accounts | Expected; confirm in official list |
| 7 Apr | Wednesday | Ugadi / Gudi Padwa | State-dependent |
| 14 Apr | Wednesday | Vaisakhi / Vishu / Tamil New Year / Ambedkar Jayanti | State-dependent |
| 15 Apr | Thursday | Ram Navami | Expected |
| 19 Apr | Monday | Mahavir Jayanti | Expected |
May 2027 Bank Holidays
- Sundays: 2, 9, 16, 23, 30
- Saturdays: 8 (2nd), 22 (4th)
| Date | Day | Occasion | Status |
| 1 May | Saturday | Maharashtra Day / May Day (a first Saturday) | State-dependent |
| 17 May | Monday | Id-ul-Zuha (Bakrid) | Expected; moon-dependent |
| 20 May | Thursday | Buddha Purnima | Expected; not all states |
June 2027 Bank Holidays
- Sundays: 6, 13, 20, 27
- Saturdays: 12 (2nd), 26 (4th)
| Date | Day | Occasion | Status |
| 16 Jun | Wednesday | Muharram | Expected; moon-dependent |
July 2027 Bank Holidays
- Sundays: 4, 11, 18, 25
- Saturdays: 10 (2nd), 24 (4th)
| Date | Day | Occasion | Status |
| 5 Jul | Monday | Rath Yatra | State-dependent |
August 2027 Bank Holidays
- Sundays: 1, 8, 15, 22, 29
- Saturdays: 14 (2nd), 28 (4th)
| Date | Day | Occasion | Status |
| 15 Aug | Sunday | Independence Day | National (falls on a Sunday) |
| 15 Aug | Sunday | Id-e-Milad (central list date) | Moon-dependent; falls on a Sunday |
| 17 Aug | Tuesday | Raksha Bandhan | State-dependent |
| 25 Aug | Wednesday | Janmashtami | Expected |
September 2027 Bank Holidays
- Sundays: 5, 12, 19, 26
- Saturdays: 11 (2nd), 25 (4th)
| Date | Day | Occasion | Status |
| 4 Sep | Saturday | Ganesh Chaturthi (a first Saturday) | State-dependent |
| 12 Sep | Sunday | Onam | Falls on a Sunday |
October 2027 Bank Holidays
- Sundays: 3, 10, 17, 24, 31
- Saturdays: 9 (2nd), 23 (4th)
- National: Saturday, 2 October (Gandhi Jayanti)
| Date | Day | Occasion | Status |
| 2 Oct | Saturday | Gandhi Jayanti | National |
| 6 to 8 Oct | Wednesday to Friday | Dussehra (Saptami, Mahashtami, Mahanavmi) | State-dependent |
| 9 Oct | Saturday | Dussehra (Vijaya Dashami) | Falls on a second Saturday |
| 29 Oct | Friday | Diwali (Deepavali) | Expected |
| 30 Oct | Saturday | Govardhan Puja (a fifth Saturday) | State-dependent |
November 2027 Bank Holidays
- Sundays: 7, 14, 21, 28
- Saturdays: 13 (2nd), 27 (4th)
| Date | Day | Occasion | Status |
| 4 Nov | Thursday | Chhath Puja (Surya Shashthi) | State-dependent |
| 14 Nov | Sunday | Guru Nanak Jayanti | Falls on a Sunday |
December 2027 Bank Holidays
- Sundays: 5, 12, 19, 26
- Saturdays: 11 (2nd), 25 (4th)
| Date | Day | Occasion | Status |
| 24 Dec | Friday | Christmas Eve | State-dependent |
| 25 Dec | Saturday | Christmas | Falls on a fourth Saturday |
Why Do Bank Holidays Differ From State to State?
Bank holidays are declared under Section 25 of the Negotiable Instruments Act, 1881. The Act counts Sundays as public holidays. The Central or State Government can add other days through a notice in the Official Gazette. The 2nd and 4th Saturday holiday comes from a Central Government notice dated 20 August 2015, in force from 1 September 2015.
Festival holidays are mostly picked by each state. So a festival on the central government’s office list does not always mean banks are shut in your state. The RBI holiday page shows closures city by city, and it uses a separate tag for the yearly closing of bank accounts. Private banks follow the same state notices as public sector banks.
Understand State-Wise Bank Holidays in 2027
Every state decides its own bank holidays, so this table is a planning guide, not an official notice. It joins the central government’s 2027 list with well-known state days that fall on the same date each year. A few dates showed up on only one page we checked (for example Utkal Divas, Rajasthan Day and Telangana Formation Day), so give those a second check.
| State or region | Days to watch (expected) |
| Maharashtra | Shivaji Jayanti (Fri 19 Feb), Gudi Padwa (Wed 7 Apr), Ambedkar Jayanti (Wed 14 Apr), Maharashtra Day (Sat 1 May), Ganesh Chaturthi (Sat 4 Sep) |
| Gujarat | Uttarayan (14 or 15 Jan, pages differ), Gujarat Day (Sat 1 May), Gujarati New Year (Sat 30 Oct) |
| Karnataka | Makar Sankranti (Thu 14 Jan), Ugadi (Wed 7 Apr), Rajyotsava (Mon 1 Nov) |
| Andhra Pradesh and Telangana | Makar Sankranti (Thu 14 Jan), Ugadi (Wed 7 Apr), Ambedkar Jayanti (Wed 14 Apr), Telangana Formation Day (Wed 2 Jun, Telangana only), Vinayaka Chaturthi (Sat 4 Sep) |
| Tamil Nadu and Puducherry | Pongal (Fri 15 Jan), Thiruvalluvar Day (Sat 16 Jan), Tamil New Year (Wed 14 Apr), May Day (Sat 1 May) |
| Kerala | Vishu (Wed 14 Apr). Thiruvonam (12 Sep) falls on a Sunday |
| West Bengal | Pohela Boishakh (Thu 15 Apr), Durga Puja (Wed 6 Oct to Sat 9 Oct), Kali Puja (Fri 29 Oct). Rabindra Jayanti (9 May) falls on a Sunday |
| Odisha | Utkal Divas (Thu 1 Apr), Maha Vishuba Sankranti (Wed 14 Apr), Rath Yatra (Mon 5 Jul) |
| Rajasthan | Rajasthan Day (Tue 30 Mar) |
| Assam | Magh Bihu (Thu 14 Jan), Bohag Bihu (Thu 15 Apr) |
| Punjab and Haryana | Guru Gobind Singh Jayanti (Fri 15 Jan), Vaisakhi (Wed 14 Apr), Guru Teg Bahadur Martyrdom Day (Wed 24 Nov) |
| Madhya Pradesh and Chhattisgarh | Ram Navami (Thu 15 Apr) is listed on some pages. Chhattisgarh Rajyotsava (Mon 1 Nov) applies to Chhattisgarh only. Check the Bhopal and Raipur lists on the RBI page |
| Goa and Sikkim | Goa Statehood Day (30 May), Goa Liberation Day (19 Dec) and Sikkim State Day (16 May) all fall on Sundays |
| Manipur, Meghalaya, Mizoram, Nagaland, Tripura | Local and tribal festivals, with dates set by each state |
Kerala Piravi (1 Nov) appears on one page we checked, but we could not confirm it as a bank holiday, so we left it out.
Bank Holidays in 2027 That Fall on Weekends
These do not add a separate closed day:
| Occasion | Date | Why no extra day |
| Independence Day and Id-e-Milad | Sunday, 15 August | Sunday |
| Onam | Sunday, 12 September | Sunday |
| Dussehra (Vijaya Dashami) | Saturday, 9 October | Second Saturday |
| Guru Nanak Jayanti | Sunday, 14 November | Sunday |
| Christmas | Saturday, 25 December | Fourth Saturday |
By contrast, Gandhi Jayanti on Saturday, 2 October falls on the first Saturday, which is normally a working day, so banks close that day.
Are All Saturdays Bank Holidays in 2027?
No. Only the 2nd and 4th Saturday are bank holidays right now. Bank unions and the Indian Banks’ Association have talked about a five-day week, but it is not in force. In September 2026 the Finance Ministry said again that only the 2nd and 4th Saturdays are holidays for public sector banks. On 1 October 2026, PIB Fact Check called out a fake notice, dated 30 September 2026, that claimed every Saturday was a holiday.
If the rule ever changes, it will come as a proper Gazette notice and through official government channels. Do not trust forwarded images or messages.
What Works and What Does Not Works on a Bank Holiday?
| Service | On a bank holiday |
| Branch counters, cash deposit and withdrawal at the branch, in-person work | Closed |
| Cheque deposit and clearing | Does not happen on bank holidays; plan for the next working day |
| UPI and IMPS | Generally available 24×7 (limits and downtime can apply) |
| NEFT and RTGS | Generally available 24×7, including holidays, via digital channels (per-transaction limits apply at certain hours) |
| ATMs, net banking and mobile banking | Generally available |
NEFT has run round the clock since 16 December 2019, and RTGS since December 2020. Some older articles still call the 2nd and 4th Saturdays “RTGS holidays”. That is out of date. Your bank may still pause services for maintenance, so read its notices.
Long Weekends and Consecutive Bank Closures in 2027
Every one of the 24 second and fourth Saturdays is followed by a Sunday, so these are 24 two-day closures a year. Beyond those, these stretches stand out, assuming the expected dates hold:
| Period | Closed days | Notes |
| 26 to 28 March | Good Friday, 4th Saturday, Sunday | The only three-day stretch we found across most of India; confirm Good Friday in your state |
| 21 to 22 March | Sunday, Holi (22 March) | Only if your state notifies the 22nd; if it notifies the 23rd, the closure is Tuesday |
| 14 to 15 August | 2nd Saturday, Independence Day (Sunday) | Two days |
| 2 to 3 October | Gandhi Jayanti (Saturday), Sunday | Two days |
| 9 to 10 October | Second Saturday (Dussehra), Sunday | State holidays on 6 to 8 October may extend this |
| 29 to 31 October | Diwali (Friday), Saturday (working in most places), Sunday | The Saturday closes only where a state declares Govardhan Puja |
| 25 to 26 December | Fourth Saturday (Christmas), Sunday | Two days |
States can add closures that join these stretches, so check your state’s list.
How Bank Holidays Affect Your MSME?
Banks are part of daily business life: salaries, supplier payments, loan EMIs and cheques. A little planning around closures saves you from late payments and last-minute stress.
- Loan papers and payouts. Branch work such as checking documents, signing and cheque handling stops on bank holidays. If a sanction or payout is urgent, ask your branch which days it will be open.
- EMIs and auto-debits. Ask your lender what happens when a due date falls on a holiday. Practice differs, so do not guess.
- Paying suppliers and staff. UPI, IMPS, NEFT and RTGS usually work on holidays, but cheques are not clear. Pay by cheque before a closure. For example, 14 August is a 2nd Saturday and 15 August is a Sunday, so a salary due on the 15th is best paid by Friday, 13 August.
- October. Banks are shut on Saturday 9, Sunday 10 and Friday 29 October (Diwali, expected). Send month-end files early.
- Financial year-end. 31 March 2027 is a Wednesday. Good Friday, the 4th Saturday and Sunday (26 to 28 March) come just before it, so Monday to Wednesday (29 to 31 March) are the last working days in most places. Finish branch work early.
- 1 April 2027. The yearly closing of bank accounts is expected on Thursday, 1 April. Branches may not serve the public that day. Confirm it in the official list.
- GST and other due dates. A bank holiday does not automatically move a due date. Check the official notice before you assume anything.
Planning Checklist for MSME Owners
- At the start of the year, mark the fixed closures in your calendar: Sundays, 2nd and 4th Saturdays, 26 January and 2 October.
- Add the festival days your state is expected to declare, and update them when the official list is out.
- Pay suppliers, salaries, and EMIs a working day early when the due date falls on a closure.
- Keep loan and bank paperwork ready before long stretches such as 26 to 28 March and Diwali week.
- Use UPI, NEFT, or RTGS for urgent payments, and don’t rely on cheques near holidays.
Conclusion
The list of bank holidays 2027 is firm for Sundays, 2nd and 4th Saturdays, Republic Day and Gandhi Jayanti. Festival days stay provisional until the RBI and your state publish their lists. Plan check and branch work around the fixed closures, watch the 26 to 28 March stretch before the financial year ends, and be careful with viral messages about Saturday holidays.
Running a small business or planning to apply for MSME benefits? Udyamita Helpline can guide you on MSME registration, your Udyam certificate and business loan paperwork, and help you plan your documents around bank working days. We are an independent guidance platform, not a bank or a government body, and we cannot promise loan approvals, subsidies or any result.
FAQ
No. Banks close only on the 2nd and 4th Saturday. The other Saturdays are working days, unless your state or the RBI declares a holiday.
There is no single number, because states add their own festival days. Across India, banks are closed on at least 78 days: 52 Sundays, 24 second and fourth Saturdays, plus Republic Day and Gandhi Jayanti, which fall on days that are normally working days.
Not yet. We opened the RBI holiday page on 27 October 2026 and 2026 was still the latest year. Some websites say the list usually comes in December, but we could not confirm that. Check the page again in the coming weeks.
Diwali is on Friday, 29 October 2027 on the central government list. Banks are expected to close in most states. Nearby days depend on your state. For example, the Gujarati New Year on Saturday, 30 October is expected to be a holiday in Gujarat.
Yes, in most cases. UPI works 24/7, even on bank holidays. There can be limits and short maintenance breaks. Cheque clearing and branch services do not work on holidays.
No. Gazetted holidays are for central government offices and come from the DoPT list. Bank holidays come from notices under the Negotiable Instruments Act and appear on the RBI page.
Not yet. A five-day banking week is still being discussed. The message saying all Saturdays are holidays came from a fake notice.
Use the RBI holiday matrix, select your regional office and the month, and also check your bank’s website or branch notice.
