Overview: Bank hours around New Year 2025–2026
As 2025 closes and 2026 arrives, many customers in India wonder whether banks will be open on December 31, 2025, and January 1, 2026. While the New Year holidays are widely observed, bank timings can vary by state due to local holidays and permissible banking hours. The best way to avoid surprises is to check with your bank’s official channels and stay informed about public holidays that might affect branch operations, ATMs, and digital banking services.
What typically happens on December 31 and January 1
December 31, 2025: In many states, December 31 is a regular business day for most banks. However, a handful of states or localities may declare a holiday for year-end celebrations or religious observances, which could lead to closed branches or reduced services in some locations. Banks generally aim to maintain core services—cash deposits, withdrawals, and digital payments—but neighborhood branches might close earlier than usual if a holiday is declared.
January 1, 2026: The first day of the new year is commonly observed as a nationwide holiday by many banks and financial institutions across India. Expect widespread branch closures on January 1, with ATMs and online banking typically remaining available for digital transactions, subject to network maintenance windows.
State-specific differences you should watch for
India’s banking schedule is influenced by state public holidays, religious observances, and local government announcements. Even when a national holiday is observed, some branches in Union Territories or special administrative regions may operate differently. Conversely, some states may extend holidays around New Year for regional celebrations, leading to partial or complete branch closures in those areas.
To avoid confusion, consider checking:
- The official website or mobile app of your bank (SBI, ICICI Bank, HDFC Bank, Axis Bank, etc.).
- Your nearest branch’s operating hours posted outside the branch or on the bank’s locator tool.
- Customer service hotlines or chat support for real-time holiday notices.
<li Notifications from your state government or local district administration about public holidays that may impact banking hours.
How to prepare and what to expect
If December 31 falls on a weekday and there is no state-wide holiday declared, you can usually complete routine banking tasks in person, including cash deposits, cheque clearing, and account updates. On January 1, expect most branches to be closed nationwide due to the holiday. Digital wallets and online banking platforms typically keep functioning, but some services may experience delays on holiday observance days.
For important transactions requiring branch visits—such as large cash deposits, notarization, or cash handling—plan ahead and complete them before December 31 if possible. If you anticipate needing to use a branch around year-end, call ahead or check the bank’s online branch locator for the latest status updates.
What you should do now
- Confirm holiday notices with your bank’s official channels for the exact state-specific schedule.
- Schedule any urgent transactions before December 31 to avoid delays caused by closures.
- Rely on digital banking during holiday periods, but be mindful of maintenance windows that may affect transfers or payments.
- Keep a backup plan for cash needs, such as stocking up in advance or using digital payment methods where feasible.
Bottom line
Most banks in India will likely observe a nationwide holiday on January 1, 2026. December 31, 2025 may see variable behavior by state, with some branches operating normally and others observing local holidays. By checking your bank’s official notices and planning ahead, you can ensure your financial tasks are completed smoothly as you welcome the new year.
