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New Delhi/Lucknow: If you have any important bank work left, then postponing it can prove costly. The last week of March 2026 is going to be very turbulent in terms of banking services. Due to the closing of the financial year 2025-26, normal functioning of government and private banks across the country will be affected. Physical services for customers may be limited in almost all financial institutions, including big banks like State Bank of India (SBI), Punjab National Bank (PNB) and HDFC. Why do banks remain closed at the end of March? Every year the month of March is the time of ‘Annual Closing’ for the banking sector. Since March 31 is the last day of the financial year, banks have to complete their accounts for the year. During this period, bank employees remain busy in internal audit and data matching work. Although work continues within the bank, public dealing i.e. counter services to customers are closed or severely limited. What are the tasks that may be affected? In case of bank branches being closed, you may have to face problems for the following services: Cash Deposit and Withdrawal: Transactions of heavy cash will not be possible from the bank counter. Check Clearing: There may be a delay in the work to check or demand draft (DD). Passbook update and new account: Machines like application for new services and passbook printing may remain closed. Loan process: You may have to wait for April for loan paperwork. Digital banking will provide relief: These services will remain operational. Even if the shutters of banks fall down, but in the era of Digital India, you do not need to worry completely. The following services will remain operational 24×7 even during holidays:ATM Service: ATMs will work as usual for cash withdrawal.UPI and Net Banking: You will be able to do transactions through Google Pay, PhonePe and Mobile Banking.IMPS/NEFT/RTGS: Online fund transfer facility will be available on digital mediums.Smart Preparation: Get these 5 tasks done today itself. To avoid the rush of financial closing and holidays, experts have shared ‘Smart Chart’: Important When to complete the workAdviceKYC updatebefore March 26The account may be frozen if the bank is closed. Cash withdrawal today itself, crowd at ATM may increase during holidays. Deposit of check till March 25, clearing may take 2-3 days. Tax Saving Investment Till March 28, do not miss the last date of investment under 80C. When will the work be normal? After this irregularity of the last week of March, 1 April 2026 The new financial year will start from. However, April 1 is also a bank holiday in many states due to annual closing, so full normal services are expected to be restored only from April 2, 2026.