January 2026 Bank Holidays, Complete List and State-Wise Calendar

Banks across India will remain closed for at least 10 days in January 2026, factoring in Sundays, the second and fourth Saturdays, and regional observances such as Makar Sankranti, Pongal, and Republic Day. The only nationwide bank holiday in January 2026 is Republic Day on Monday, 26 January; the rest of the month's closures depend on your state.

Looking for December 2025 or February 2026 bank holidays? Check our month-wise RBI holiday calendar for the full year. This page covers the confirmed January 2026 bank holiday list.

January 2026 Bank Holidays: Full List

Date | Day | Holiday | States/Region
1 January 2026 | Thursday | New Year's Day | Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Rajasthan, Sikkim, Tamil Nadu, Telangana
2 January 2026 | Friday | New Year Holiday | Mizoram
3 January 2026 | Saturday | Hazrat Ali Jayanti | Uttar Pradesh
4 January 2026 | Sunday | Weekly holiday | Nationwide
10 January 2026 | Saturday | 2nd Saturday | Nationwide
11 January 2026 | Sunday | Weekly holiday | Nationwide
12 January 2026 | Monday | Swami Vivekananda Jayanti | West Bengal
14 January 2026 | Wednesday | Makar Sankranti / Pongal | Arunachal Pradesh, Gujarat, Karnataka, Odisha, Sikkim, Tamil Nadu (Pongal)
18 January 2026 | Sunday | Weekly holiday | Nationwide
23 January 2026 | Friday | Netaji Subhas Chandra Bose Jayanti | West Bengal, Tripura, Odisha (restricted/state holiday, not always a bank closure)
24 January 2026 | Saturday | 4th Saturday | Nationwide
25 January 2026 | Sunday | Weekly holiday | Nationwide
26 January 2026 | Monday | Republic Day | Nationwide
31 January 2026 | Saturday | Regular working Saturday | Not a scheduled bank holiday (not a 2nd/4th Saturday)

Note: 1 January is not a nationwide bank holiday; it is observed as New Year's Day only in the specific states listed above.

Is There a Nationwide Bank Holiday in January 2026?

Republic Day, 26 January 2026, falling on a Monday, is the only nationwide bank holiday in January. Every other closure in the list above is either a weekly off, a second/fourth Saturday, or a regional/state-specific observance that applies only to banks in certain states.

With 10-plus non-working days for banks in January, branch access can get unpredictable right at the start of the year. CreditMitra's short-term personal loans can be applied for entirely online, so a January bank holiday doesn't have to delay something urgent.

What Works and What Doesn't on January Bank Holidays

Service | Available on 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, 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 January Bank Holiday?

If your personal loan, credit card, or other EMI due date falls on 1 January, 14 January, or 26 January 2026, the NACH auto-debit is typically processed on the next working day rather than being skipped. This is a standard processing delay and is not automatically treated as a default. However, your account still needs sufficient balance when the debit is actually attempted; if it fails due to low funds, it can be reported as a missed payment and may affect your CIBIL score. It helps to check whether your EMI date coincides with a 2nd or 4th Saturday, since these recur every month and can catch borrowers off guard.

Planning Your January Finances Around Bank Holidays

January often brings a mix of New Year resolutions, Makar Sankranti and Pongal travel, and Republic Day long weekends, several of which coincide with bank closures. If you have essential expenses or travel plans around any of these dates, it is worth arranging short-term funds in advance so a closed branch doesn't slow you down.

Need quick funds around a January bank holiday? CreditMitra's short-term personal loans offer a fully online application and quick disbursal, so New Year or Republic Day closures don't get in the way of your plans.