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Reserve Bank of India has released the official bank holiday calendar, and according to the list, banks will remain closed on Friday, January 23, 2026, in several states across India. The closure is due to the observance of Basant Panchami, Netaji Subhas Chandra Bose Jayanti, and Saraswati Puja, which are celebrated in different parts of the country.

If you are planning to visit a bank branch for important work, it is advisable to check whether banks are operational in your city or state before stepping out.

Why Are Banks Closed on Friday, January 23, 2026?

As per the RBI holiday schedule, January 23 has been declared a bank holiday in selected states due to multiple regional and cultural occasions. These include:

• Netaji Subhas Chandra Bose Jayanti

• Saraswati Puja (Shri Panchami)

• Basant Panchami

• Veer Surendra Sai Jayanti (in specific regions)

Due to these events, banks will remain closed in Agartala, Bhubaneswar, and Kolkata on Friday. In other parts of the country, banks may continue to operate as usual, depending on local holidays.

Important Clarification for Bank Customers

Even though bank branches will remain shut in some states, digital banking services will continue to function normally. Customers can still use:

• UPI payments

• Internet banking

• Mobile banking apps

• ATM services

However, services that require physical branch visits—such as cash deposits, cheque clearance, or document verification—will not be available in holiday-affected regions.

Complete List of Bank Holidays in January 2026

Below is a detailed overview of bank holidays in January 2026, as per the RBI calendar. These holidays vary from state to state and include national, regional, and weekend holidays.

Key Bank Holidays in January 2026

• January 1 (Thursday): New Year’s Day and Gaan-Ngai
  Banks closed in Aizawl, Chennai, Gangtok, Imphal, Itanagar, Kohima, Kolkata, and Shillong

• January 2 (Friday): New Year celebration / Mannam Jayanti
  Banks closed in Aizawl, Kochi, and Thiruvananthapuram

• January 3 (Saturday): Hazrat Ali’s Birthday
  Banks closed in Lucknow

• January 4 (Sunday): Weekly holiday (nationwide)

• January 10 (Saturday): Second Saturday
  Banks closed across India

• January 11 (Sunday): Weekly holiday

• January 12 (Monday): Swami Vivekananda Jayanti
  Banks closed in Kolkata

• January 14 (Wednesday): Makar Sankranti / Magh Bihu
  Banks closed in Ahmedabad, Bhubaneswar, Guwahati, and Itanagar

• January 15 (Thursday): Pongal / Uttarayan Punyakal / Makar Sankranti
  Banks closed in Bengaluru, Chennai, Gangtok, Hyderabad, and Vijayawada

• January 16 (Friday): Thiruvalluvar Day
  Banks closed in Chennai

• January 17 (Saturday): Uzhavar Thirunal
  Banks closed in Chennai

• January 18 (Sunday): Weekly holiday

• January 23 (Friday): Netaji Subhas Chandra Bose Jayanti / Saraswati Puja / Basant Panchami
  Banks closed in Agartala, Bhubaneswar, and Kolkata

• January 24 (Saturday): Fourth Saturday
  Banks closed across India

• January 25 (Sunday): Weekly holiday

• January 26 (Monday): Republic Day
  Banks closed in most cities nationwide

Plan Your Banking Work in Advance

With multiple holidays lined up in January, customers are advised to plan branch-related banking work ahead of time. Delays in cheque clearance, document submissions, or cash-related services are common around extended holiday periods.

It is also important to note that bank holidays differ by state, so customers should always refer to their local RBI holiday list before scheduling bank visits.

Final Takeaway

Banks will remain closed on Friday, January 23, 2026, in several states due to major regional and cultural celebrations. While digital banking services will remain uninterrupted, physical bank branches will not operate in holiday-affected areas.

To avoid inconvenience, complete all essential banking tasks in advance and rely on online banking services wherever possible. Keeping track of the RBI holiday calendar can help you stay prepared and avoid last-minute hassles.