January doesn’t look crowded on the holiday calendar. But if you plan to visit a bank this month, timing will matter. Republic Day, all Sundays, the second and fourth Saturdays, and a handful of regional festivals mean branches won’t be open every day – even in the first month of the year. Some closures are fixed. Others vary by state.That’s why a simple list helps. Below is a breakdown of January 2026 bank holidays across India, covering national closures, regular weekend shutdowns, and state-specific observances that affect banking hours.National bank holidays in January 2026
There is only one nationwide closure in January.Republic Day – Monday, January 26Banks across India will remain closed for Republic Day.New Year’s Day falls on Thursday, January 1. It is observed nationally but not uniformly. Some states treat it as a public holiday for banks. Others keep branches open. Customers are advised to check state-level notifications.Weekly bank closures in January 2026The standard banking schedule also applies.All Sundays: January 4, 11, 18, 25Second Saturday: January 10Fourth Saturday: January 24These dates apply across all states – there are no exceptions.Regional and state-specific holidaysThere are several other closures in January – but whether the banks remain closed will depend on their location.Wednesday, January 14 – Makar Sankranti / Pongal / Lohri / Magh BihuObserved across different states under different names.Thursday, January 15 – Thiruvalluvar DayTamil Nadu.Friday, January 16 – Uzhavar ThirunalObserved in Tamil Nadu and parts of Assam.Friday, January 23 – Netaji Subhas Chandra Bose JayantiThis is observed in West Bengal.These holidays are not pan-India. They apply only where officially notified by state authorities.What remains open on bank holidaysDigital banking services remain available throughout the month.UPI, mobile banking apps, internet banking portals, and ATMs are not affected by branch holidays. Transactions, bill payments, and transfers continue as usual, even on closed days.Before visiting a branch, especially around January 14, 15, 16, and 23, it is advised to check the local holiday list.
