Bank Holidays : Total Bank Holidays in September 2025 15 days across India Festival Holidays: 9 regional holidays Weekend Holidays: 6 days (4 Sundays + 2 Saturdays) Key Festivals: Karma Puja, Onam, Ganesh Chaturthi, Eid-e-Milad, Durga Puja
The Reserve Bank of India (RBI) has published the comprehensive list of bank holidays for September 2025, featuring significant regional festivals and cultural celebrations across different states. Banks will remain closed for physical operations, but digital banking services will continue uninterrupted.
Complete List of Bank Holidays September 2025
Festival-Based Bank Holidays
September 3, 2025 (Tuesday) – Karma Puja
- States Affected: Jharkhand, Bihar
- Cities: Ranchi, Patna
- Significance: Traditional tribal festival celebrating nature and fertility
September 4, 2025 (Wednesday) – First Onam
- States Affected: Kerala
- Cities: Thiruvananthapuram, Kochi
- Significance: Beginning of Onam festivities celebrating King Mahabali’s return
September 5, 2025 (Thursday) – Multiple Festivals
- Festivals: Eid-e-Milad, Milad-un-Nabi, Thiruvonam, Ganesh Chaturthi, Indrajatra
- Major Cities Affected:
- Ahmedabad, Aizawl, Belapur, Bengaluru
- Bhopal, Chennai, Dehradun, Hyderabad
- Imphal, Jammu, Kanpur, Kochi
- Lucknow, Mumbai, Nagpur, New Delhi
- Thiruvananthapuram, Vijayawada
September 6, 2025 (Friday) – Indrajatra
- States Affected: Sikkim, Jammu & Kashmir, Chhattisgarh
- Cities: Gangtok, Jammu, Raipur, Srinagar
- Significance: Traditional festival with masked dances and cultural performances
Weekend Bank Holidays September 2025
| Date | Day | Holiday Type |
|---|---|---|
| September 1 | Sunday | Weekly Holiday |
| September 7 | Sunday | Weekly Holiday |
| September 8 | Sunday | Weekly Holiday |
| September 13 | Saturday | Second Saturday (RBI Holiday) |
| September 14 | Sunday | Weekly Holiday |
| September 21 | Sunday | Weekly Holiday |
| September 27 | Saturday | Fourth Saturday (RBI Holiday) |
| September 28 | Sunday | Weekly Holiday |
Additional Regional Holidays
September 12, 2025 (Thursday) – Friday following Eid-i-Milad-ul-Nabi
- States Affected: Rajasthan, Jammu & Kashmir
- Cities: Jaipur, Jammu, Srinagar
September 22, 2025 (Monday) – Navratri Sthapana
- States Affected: Rajasthan
- Cities: Jaipur
September 23, 2025 (Tuesday) – Maharaja Hari Singh Ji’s Birthday
- States Affected: Jammu & Kashmir
- Cities: Jammu, Srinagar
September 29, 2025 (Monday) – Mahasaptami/Durga Puja
- States Affected: West Bengal, Assam, Tripura, Rajasthan
- Cities: Kolkata, Guwahati, Agartala, Jaipur
State-wise Bank Holiday Calendar September 2025
North India
- Delhi: September 5 (Eid-e-Milad)
- Rajasthan: September 12, 22, 23, 29
- Punjab: Limited regional holidays
- Haryana: Limited regional holidays
South India
- Kerala: September 4, 5 (Onam celebrations)
- Karnataka: September 5 (Ganesh Chaturthi)
- Andhra Pradesh/Telangana: September 5 (Ganesh Chaturthi)
- Tamil Nadu: Limited regional holidays
East India
- West Bengal: September 29 (Durga Puja)
- Jharkhand: September 3 (Karma Puja)
- Bihar: September 3 (Karma Puja)
- Assam: September 29 (Durga Puja)
West India
- Maharashtra: September 5 (Ganesh Chaturthi)
- Gujarat: September 5 (Ganesh Chaturthi)
- Goa: Limited regional holidays
Northeast & Special Regions
- Sikkim: September 6 (Indrajatra)
- Manipur: September 5, 6
- Mizoram: September 5
- Jammu & Kashmir: September 6, 12, 23
Understanding RBI Holiday Categories
Negotiable Instruments Act Holidays
These are mandatory holidays declared under the Negotiable Instruments Act, 1881, during which:
- Check clearing is suspended
- Bank drafts and promissory notes cannot be processed
- Physical banking operations remain closed
Real Time Gross Settlement (RTGS) Holidays
RTGS services are not available during these holidays, affecting:
- High-value transactions above ₹2 lakh
- Interbank transfers
- Commercial payment settlements
Bank Account Closing Holidays
Regular banking operations including:
- Cash deposits and withdrawals
- Account opening procedures
- Loan processing activities
Digital Banking Services Available During Holidays
24/7 Available Services
UPI (Unified Payments Interface)
- Instant money transfers
- Bill payments
- Merchant transactions
- Person-to-person transfers
IMPS (Immediate Payment Service)
- Available 24×7 including holidays
- Transaction limit: Up to ₹2 lakh
- Instant settlement
- Mobile and internet banking
Net Banking Services
- Account balance inquiry
- Transaction history
- Fund transfers between own accounts
- Bill payment scheduling
Mobile Banking Applications
- Balance checks
- Mini statements
- Mobile recharges
- Utility bill payments
Services with Limited Availability
NEFT (National Electronic Funds Transfer)
- Available 24×7 with half-hourly batches
- Settlement may be delayed on holidays
- Transaction processing continues
RTGS (Real Time Gross Settlement)
- Available 24×7 since December 2020
- Real-time processing
- High-value transactions above ₹2 lakh
Impact on Banking Operations
Suspended Services During Holidays
- Check deposit and clearing
- Cash deposit at branches
- Account opening and KYC procedures
- Loan application processing
- Physical document verification
- Locker access at branches
Available Alternative Services
- ATM cash withdrawals (subject to availability)
- Cheque drop facilities
- Digital payment methods
- Online banking platforms
- Customer service helplines
Planning Your Banking Activities
Before Holiday Period
- Cash Withdrawal: Ensure adequate cash availability
- Bill Payments: Schedule recurring payments in advance
- Fund Transfers: Complete urgent transfers beforehand
- Check Clearance: Allow extra time for check processing
During Holiday Period
- Use Digital Channels: Maximize online and mobile banking
- UPI Transactions: Prefer UPI for instant transfers
- Emergency Services: Note customer service numbers
- ATM Locations: Identify nearby ATM networks
Post-Holiday Planning
- Check Processing: Expect delays in check clearance
- Branch Visits: Anticipate longer queues
- Documentation: Prepare necessary documents in advance
- Account Updates: Schedule non-urgent activities
Major Festivals and Their Banking Impact
Onam (September 4-5)
Cultural Significance: Kerala’s harvest festival celebrating prosperity Banking Impact: Complete closure in Kerala, affecting major commercial centers Digital Alternatives: UPI, NEFT, mobile banking remain operational
Ganesh Chaturthi (September 5)
Cultural Significance: Celebration of Lord Ganesha’s birth Banking Impact: Widespread closures across Maharashtra, Karnataka, Andhra Pradesh Commercial Effect: High cash demand for festival expenses
Eid-e-Milad (September 5)
Cultural Significance: Prophet Muhammad’s birthday celebration Banking Impact: Multi-state holiday affecting diverse regions Community Impact: Increased money transfer requirements
Durga Puja (September 29)
Cultural Significance: Eastern India’s premier festival Banking Impact: Major closures in West Bengal, Assam, Tripura Economic Effect: Peak festive season transactions
NEFT, RTGS, and IMPS During September Holidays
NEFT Operations
- Availability: 24×7 with half-hourly settlement batches
- Holiday Impact: Continued processing but may experience settlement delays
- Transaction Limits: No upper limit for most transactions
- Settlement Time: Within 2 hours under normal circumstances
RTGS Operations
- Availability: 24×7 real-time processing since December 2020
- Holiday Impact: Unaffected operations
- Transaction Limits: Minimum ₹2 lakh
- Settlement Time: Real-time (within minutes)
IMPS Services
- Availability: 24×7 including all holidays
- Transaction Limits: Up to ₹2 lakh per transaction
- Settlement Time: Immediate (within minutes)
- Accessibility: Mobile banking, internet banking, SMS banking
Customer Advisory for September 2025
Cash Management Tips
- ATM Availability: Verify ATM cash availability during extended holidays
- Daily Limits: Be aware of daily withdrawal limits
- Alternative ATMs: Identify multiple ATM locations
- Emergency Cash: Maintain adequate cash reserves
Digital Transaction Safety
- Secure Networks: Use trusted internet connections
- Authentication: Enable two-factor authentication
- Transaction Alerts: Monitor SMS and email notifications
- Regular Updates: Keep banking apps updated
Festival-Specific Considerations
- Increased Demand: Expect higher transaction volumes
- Network Congestion: Digital services may experience heavy traffic
- Customer Support: Longer wait times during peak periods
- Transaction Limits: Daily limits may be reached faster
Bank Holiday FAQs September 2025
Are banks closed on all 15 days?
No, the 15 days include both regional festival holidays (varying by state) and regular weekend closures. Your local bank may be closed for 8-10 days depending on your state’s festival calendar.
Can I transfer money during bank holidays?
Yes, NEFT (24×7), RTGS (24×7), IMPS (24×7), and UPI services remain available during holidays, though some settlement delays may occur.
Will ATMs work during holidays?
Most ATMs continue operating during holidays, but cash availability may be limited due to delayed refilling schedules.
Are digital banking services affected?
No, internet banking, mobile banking, UPI, and IMPS services operate normally during holidays with 24×7 availability.
What about international transactions?
International wire transfers and foreign exchange services may be delayed as they often require manual processing by bank staff.
Preparing for October 2025 Holidays
Following September’s extensive holiday calendar, customers should prepare for upcoming festivals in October, including:
- Gandhi Jayanti (October 2): National holiday
- Dussehra: Regional holiday (varies by state)
- Karva Chauth: Limited regional observance
- Diwali Preparations: Increased banking activity expected
Conclusion
September 2025 presents a diverse festival calendar with 15 bank holidays across different states, reflecting India’s rich cultural heritage. While physical banking operations will be suspended during these regional holidays, the robust digital banking infrastructure ensures continuous financial services for customers.
Key Takeaways:
- Regional Variation: Holiday dates vary significantly across states
- Digital Continuity: Online services remain fully operational
- Advanced Planning: Customers should plan cash and transaction needs in advance
- Festival Significance: Holidays coincide with major religious and cultural celebrations
- Banking Evolution: Digital-first approach minimizes holiday disruptions
Stay informed about local holiday schedules, utilize digital banking services effectively, and plan your financial activities around the festive calendar to ensure seamless banking experience throughout September 2025.