India bank holidays 2026 and 2027
India has 20 bank or public holidays listed here between November 2026 and December 2027. Over the year-end peak (1 December 2026 to 15 January 2027) the dates to plan around are: Fri 25 Dec 2026 (Christmas Day).
Currency: INR · Time zone: Asia/Kolkata · Subscribe to this calendar (.ics)
Why this matters for prefunding
When India banks or payment rails close, a top-up sent to a local payout partner may not land until the next business day. Remittance demand often rises around the same holidays. Fund the corridor before the closure, sized for the closed days plus your normal top-up lead time. Check your corridor runway.
Holiday calendar
| Date | Holiday | Type | Status | Notes |
|---|---|---|---|---|
| Sun 8 Nov 2026 | Diwali (Deepavali) | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2026, DoPT O.M. F.No.12/2/2023-JCA dated 3 Jul 2025. Falls on a Sunday; DoPT gives no substitute. Some states close banks on Mon 9 Nov (Deepavali holiday) and Wed 11 Nov (Bhai Dooj). Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Tue 24 Nov 2026 | Guru Nanak's Birthday | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2026, DoPT O.M. F.No.12/2/2023-JCA dated 3 Jul 2025. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Fri 25 Dec 2026 | Christmas Day | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2026, DoPT O.M. F.No.12/2/2023-JCA dated 3 Jul 2025. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Tue 26 Jan 2027 | Republic Day | bank holiday | Confirmed | National holiday observed by all RBI regional offices under the NI Act. Falls on a Tuesday. |
| Wed 10 Mar 2027 | Id-ul-Fitr | public holiday | Expected | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Islamic calendar date; depends on moon sighting. Date shown is an estimate from published calendars and can move by a day or more. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Tue 23 Mar 2027 | Holi | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Fri 26 Mar 2027 | Good Friday | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Thu 15 Apr 2027 | Ram Navami | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Mon 19 Apr 2027 | Mahavir Jayanti | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Mon 17 May 2027 | Id-ul-Zuha (Bakrid) | public holiday | Expected | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Islamic calendar date; depends on moon sighting. Date shown is an estimate from published calendars and can move by a day or more. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Thu 20 May 2027 | Buddha Purnima | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Wed 16 Jun 2027 | Muharram | public holiday | Expected | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Islamic calendar date; depends on moon sighting. Date shown is an estimate from published calendars and can move by a day or more. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Sun 15 Aug 2027 | Independence Day | bank holiday | Confirmed | National holiday under the NI Act. Falls on a Sunday; no substitute. |
| Sun 15 Aug 2027 | Milad-un-Nabi (Id-e-Milad) | public holiday | Expected | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Islamic calendar date; depends on moon sighting. Date shown is an estimate from published calendars and can move by a day or more. Coincides with Independence Day on a Sunday. |
| Wed 25 Aug 2027 | Janmashtami (Vaishnav) | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Sat 2 Oct 2027 | Mahatma Gandhi Jayanti | bank holiday | Confirmed | National holiday under the NI Act (the RBI matrix marks it for every regional office). Falls on a Saturday. |
| Sat 9 Oct 2027 | Dussehra (Vijaya Dashami) | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Falls on a Saturday. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Fri 29 Oct 2027 | Diwali (Deepavali) | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Falls on a Friday. Bank closure is declared by each state under section 25 of the NI Act; check the RBI holiday matrix for the relevant regional office. |
| Sun 14 Nov 2027 | Guru Nanak's Birthday | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Falls on a Sunday. |
| Sat 25 Dec 2027 | Christmas Day | public holiday | Confirmed | Central Government gazetted (closed) holiday for 2027, DoPT O.M. F.No.12/2/2023-JCA dated 16 Jul 2026. Falls on a Saturday. |
"Expected" means the date depends on an annual declaration or moon sighting and may move. Check the official source before you rely on it.
Payment rails and operating hours
| Rail | Operator | Hours | Runs on holidays |
|---|---|---|---|
| UPI (Unified Payments Interface) | National Payments Corporation of India (NPCI) | 24/7 | yes source |
| IMPS (Immediate Payment Service) | National Payments Corporation of India (NPCI) | 24/7 | yes source |
| NEFT (National Electronic Funds Transfer) | Reserve Bank of India | 24/7 | yes source |
| RTGS (Real Time Gross Settlement) | Reserve Bank of India | 24/7 | yes source |
India's domestic rails are not the constraint: UPI, IMPS, NEFT and RTGS all run 24x7 on every day including holidays (NEFT since 16 Dec 2019, RTGS since 14 Dec 2020). The constraint is FX and nostro funding: interbank forex, money market and government securities markets close on NI Act holidays, so INR conversion and settlement for prefunding stop on those days. Bank holidays are set state by state under section 25 of the Negotiable Instruments Act. Only Republic Day, Independence Day and Gandhi Jayanti are national for every RBI regional office; the other dates listed are Central Government closed holidays from DoPT and are observed by banks in most but not all states. The RBI matrix covers one month at a time and Nov/Dec 2026 entries were not visible when checked. Banks are also closed on the 2nd and 4th Saturday of every month (RBI); in the priority window that is 14 and 28 Nov 2026, 12 and 26 Dec 2026, and 9 and 23 Jan 2027. Banks also close for annual accounts on 1 April in most states (2027 date not yet published by RBI). Lunar dates (Id-ul-Fitr, Bakrid, Muharram, Milad-un-Nabi) are DoPT's provisional dates and can be changed. RBI can also shift a holiday at short notice when a state changes it (e.g. Maharashtra, Sep 2025).
Other calendars
Sources
- Holidays (holiday matrix under the NI Act) · Reserve Bank of India
- RBI announces date for launching of RTGS 24x7 · Reserve Bank of India
- Change in public holiday under the NI Act, Maharashtra (Sep 2025) · Reserve Bank of India
- IMPS FAQs · NPCI
- UPI FAQs · NPCI
- NEFT transactions to be available 24x7 from Dec 16 · BQ Prime (BloombergQuint)
- List of holidays for the year 2027 (gazetted), Central Government offices, Delhi · StaffNews (reproducing DoPT O.M.)
- List of holidays 2026: DoPT O.M. on closed and restricted holidays · StaffNews (reproducing DoPT O.M.)
- List of holidays 2026: closed holidays · StaffNews (reproducing DoPT O.M.)
- Bank holidays in November 2026 · GoodReturns
- Bank holidays in India 2026 · BankBazaar
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