JK Bank Calendar 2026, Holiday List for Jammu, Kashmir and Ladakh

The JK Bank Calendar 2026 has been officially released by Jammu and Kashmir Bank, covering bank holidays, restricted holidays, and Union Territory-specific observances for Jammu, Kashmir, and Ladakh. The calendar is based on the J&K Government Holiday List 2026 (Government Order No. 1894-JK(GAD) of 2025) and is one of the most awaited annual publications in the region, known as much for its scenic landscape photography as for its practical holiday reference.

What Is the JK Bank Calendar?

The J&K Bank wall calendar is an annual publication by Jammu and Kashmir Bank, the largest commercial bank operating in the Union Territory, that has become a cultural institution in homes, offices, and shops across J&K and Ladakh. Each month features a stunning photograph of rivers, valleys, and heritage locations across Jammu, Kashmir, and Ladakh, paired with the official holiday list, bank working days, and restricted holiday dates. The physical calendar is distributed free of cost through JK Bank branches, though supply is typically limited and in high demand. A PDF version is available on the official website jkbank.com, and a digital JK Bank eCalendar app is available on both Google Play Store and Apple App Store, allowing users to customise holidays by region (Jammu province, Kashmir province, or Ladakh).

JK Bank Calendar 2026: Key Holidays

Date | Day | Holiday | Applicability
26 January 2026 | Monday | Republic Day | Nationwide (J&K)
15 February 2026 | Sunday | Maha Shivaratri | Jammu
14 March 2026 | Saturday | Holi | Jammu (2nd Saturday also)
17 March 2026 | Tuesday | Shab-i-Qadr | Kashmir
20 March 2026 | Friday | Jumat-ul-Wida | Kashmir
21 March 2026 | Saturday | Eid al-Fitr* | J&K (4th Saturday also)
3 April 2026 | Friday | Good Friday | J&K
14 April 2026 | Tuesday | Dr B.R. Ambedkar Jayanti | J&K
27 May 2026 | Wednesday | Bakrid (Eid al-Zuha)* | J&K
1 July 2026 | Wednesday | Guru Hargobind Ji's Birthday | J&K
26 June 2026 | Friday | Muharram* | J&K
15 August 2026 | Saturday | Independence Day | Nationwide
2 October 2026 | Friday | Gandhi Jayanti | Nationwide
8 November 2026 | Sunday | Diwali | Jammu
25 November 2026 | Wednesday | Guru Nanak Jayanti (Gurpurab) | J&K
25 December 2026 | Friday | Christmas | J&K

*Islamic holiday dates are based on moon sighting and subject to revision.

Note: J&K has two seasonal capitals (Jammu in winter, Srinagar in summer), and the observance of certain Hindu festivals is more prominent in Jammu, while Islamic festivals see higher observance in Kashmir. Some holidays appear on the J&K calendar that do not appear on most other state calendars, such as Shab-i-Qadr and Jumat-ul-Wida.

Is Tomorrow a Holiday in J&K? Is Today a Holiday in Jammu or Kashmir?

Because J&K has regional variations in holiday observance between Jammu, Kashmir, and Ladakh, the same date may be a holiday in one region but not another. The fastest ways to confirm tomorrow's holiday status are to check the official J&K government gazette notification, the RBI's J&K holiday matrix, or the J&K Bank eCalendar app (which allows region-specific filtering). Banks in J&K also observe all Sundays and the second and fourth Saturdays of every month under RBI guidelines.

Bank branch closed for a J&K holiday when you need funds urgently? CreditMitra's short-term personal loans can be applied for entirely online so a regional holiday never delays something time-sensitive.

What Works and What Doesn't on a J&K Bank Holiday

Service | Available on J&K Bank Holidays?
UPI (Google Pay, PhonePe, BHIM) | Yes, 24/7
IMPS transfers | Yes, 24/7
NEFT transfers | Yes, 24/7
ATM withdrawals | Yes, 24/7
Mobile and internet banking | Yes
RTGS transfers | No, resumes next working day
Cheque clearance (CTS) | No, resumes next working day
Branch services (cash deposit, DD, loan documents) | No, branch closed
NACH EMI auto-debit | Processed on the next working day if due date falls on a holiday

What Happens If Your EMI Is Due on a J&K Holiday?

If your personal loan or credit card EMI falls on a J&K bank holiday, the NACH auto-debit is typically processed on the next working day. Your account still needs sufficient balance when the debit is attempted; a failed debit due to insufficient funds may be flagged as a missed payment and affect your CIBIL score.

Managing EMIs or urgent funds around J&K's unique holiday calendar? CreditMitra's short-term personal loans are fully online with fast disbursal, so a bank holiday never has to slow you down.