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If you have important banking work planned for July 2026, it is advisable to check the holiday schedule before visiting your nearest branch. According to the Reserve Bank of India's (RBI) official holiday calendar, banks across the country will remain closed on several days during the month due to regional festivals, commemorative events, weekends and scheduled bank holidays.

Since many bank holidays are state-specific, branches may remain open in one state while being closed in another. Planning ahead can help you avoid unnecessary trips and complete your banking tasks without inconvenience.

Here's a detailed look at the bank holiday calendar for July 2026.

Banks to Observe Up to 12 Holidays in July

During July 2026, banks will remain closed for up to 12 days, including:

• 4 Sundays

• 2 Saturdays (Second and Fourth Saturday)

• 6 regional holidays observed in different states

The exact number of holidays applicable to you will depend on the state where your bank branch is located.

Complete Bank Holiday List for July 2026 Date Occasion States/Regions Affected

July 5	Sunday	Nationwide
July 6	MHIP Day	Mizoram (Aizawl)
July 9	Beh Deinkhlam Festival	Meghalaya (Shillong)
July 11	Second Saturday	Nationwide
July 12	Sunday	Nationwide
July 16	Rath Yatra, Kang (Rath Yatra), Harela Festival	Odisha (Bhubaneswar), Uttarakhand (Dehradun), Manipur (Imphal)
July 17	Death Anniversary of U Tirot Sing	Meghalaya (Shillong)
July 18	Drukpa Tshe-zi Festival	Sikkim (Gangtok)
July 19	Sunday	Nationwide
July 22	Kharchi Puja	Tripura (Agartala)
July 25	Fourth Saturday	Nationwide
July 26	Sunday	Nationwide

Regional Holidays May Differ Across States

Unlike national holidays, several bank holidays in India are announced based on local festivals, cultural celebrations and regional observances.

This means a bank branch in one state may remain operational while another state observes a holiday on the same day.

Customers are therefore advised to verify the holiday schedule with their local bank branch or visit their bank's official website before planning an in-person visit.

Essential Banking Services Will Continue Online

Even when physical branches remain closed, most digital banking services will continue to operate throughout the holiday period.

Customers can continue using:

UPI Payments

Instant money transfers can be made using UPI applications such as:

• BHIM

• Google Pay

• PhonePe

• Paytm

• Other UPI-enabled banking apps

Internet and Mobile Banking

Customers can access a wide range of banking services online, including:

• Fund transfers

• Bill payments

• Balance enquiries

• Fixed deposit management

• Credit card payments

• Account statements

ATM Services

ATMs will continue functioning for:

• Cash withdrawals

• Balance enquiries

• Mini statements

• PIN-related services (where available)

Cash Deposit Machines (CDMs)

Customers who need to deposit cash do not necessarily have to wait for bank branches to reopen.

Cash Deposit Machines installed at many bank branches will remain available, allowing eligible customers to deposit money directly into their accounts.

Plan Your Banking Work Accordingly

If you need services that require visiting a bank branch—such as:

• Opening a new account

• Updating KYC details

• Submitting physical documents

• Processing demand drafts

• Locker-related services

• Loan documentation

it is advisable to complete these tasks on working days before the scheduled holidays.

Checking the holiday calendar in advance can help avoid delays, particularly if your work involves regional bank branches affected by local festivals.

Final Takeaway

Banks across India are expected to remain closed for up to 12 days during July 2026, although many of these holidays apply only to specific states. Customers should verify the holiday schedule applicable to their location before visiting a branch.

Fortunately, digital banking services—including UPI, internet banking, mobile banking, ATMs and cash deposit machines—will continue operating throughout the month, enabling customers to complete most financial transactions without interruption even when bank branches are closed.