October 2025 is packed with festivals and national observances, making it essential to know when banks will be closed. Whether you plan to deposit a cheque, withdraw cash, or visit a branch, checking the RBI official holiday calendar ensures you stay ahead of disruptions.
The Reserve Bank of India (RBI) sets the official calendar for bank holidays every year. This applies to all public, private, cooperative, rural, and local area banks across India. Holidays cover:
- National holidays observed nationwide
- Gazetted holidays across multiple states
- Regional festival holidays specific to certain states
Additionally, all banks close on every Sunday, as well as the second and fourth Saturdays, as per RBI guidelines.
Key Bank Holidays in October 2025
Here’s a curated list of the most important bank holidays you need to note:
- Maha Navami - 1 October 2025: Observed in Bihar, Karnataka, Kerala, Odisha, Tamil Nadu, and more.
- Vijayadashami / Dussehra - 2 October 2025: Celebrated across several states, leading to branch closures.
- Bhai Dooj - 23 October 2025: State-specific holidays in Gujarat, Uttar Pradesh, Uttarakhand, and others.
Many other state-specific festival holidays appear throughout October, so it’s best to check your local branch schedule.
Planning Your Banking Activities
Bank closures can impact your financial plans. Here’s how to prepare:
- Visit branches for cheque deposits, large withdrawals, or passbook updates before the holiday.
- Digital banking services like internet banking and mobile apps remain available even on holidays.
- Cheque clearing, in-person requests, and branch-based services will be delayed until the next working day.
- If a payment or deposit matures on a holiday, most banks process it on the following working day.
State-Wise Bank Holiday Checklist
While the RBI provides a standard calendar, certain states have additional observances. For example:
- Karnataka: Maha Navami, Dussehra
- Uttar Pradesh: Bhai Dooj, local festivals
- Kerala: Onam-related holidays
- Gujarat: Bhai Dooj and other regional festivals
Always confirm with your branch or the RBI holiday list to avoid last-minute surprises.
Keeping an eye on bank holidays helps you manage transactions efficiently, especially in festival months like October. Digital banking, ATMs, and scheduled payments can help bridge the gap when physical branches are closed. Always plan to ensure smooth banking operations.
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Akanksha Sinha
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