Laxmi Puja 2026 Date, Diwali Lakshmi Puja Muhurat

Laxmi Puja 2026, the central ritual of Diwali, falls on the night of Sunday, 8 November 2026, on the Kartik Amavasya (new moon). Goddess Lakshmi is worshipped after sunset on this night for prosperity, wealth, and auspicious beginnings. Banks in most states are closed on or around this date due to the Diwali holiday cluster. When is Laxmi Puja? Lakshmi Puja always falls on Diwali, the Amavasya of Kartik month — in 2026, that is 8 November.

Looking for Laxmi Puja 2025 date? Lakshmi Puja 2025 was on 20 October. This page covers Laxmi Puja 2026.

What Is Laxmi Puja on Diwali?

Lakshmi Puja is the most auspicious ritual performed on Diwali night, when Goddess Lakshmi, the deity of wealth, fortune, and prosperity, is welcomed into homes with lit diyas, fresh flowers, sweets, and devotional prayers. The belief is that Goddess Lakshmi visits the cleanest and brightest homes on Amavasya night, blessing families with abundance for the year ahead. Merchants and business owners perform Chopda Puja (blessing of new account books) on the same night, traditionally marking the start of the new financial year for trading communities, especially in Gujarat and Rajasthan.

Laxmi Puja 2026: Date, Time and Muhurat

Occasion | Date | Day | Auspicious Timing
Dhanteras | 6 November 2026 | Friday | All day auspicious for gold/silver purchase
Naraka Chaturdashi / Choti Diwali | 7 November 2026 | Saturday | Early morning rituals
Laxmi Puja / Diwali (main night) | 8 November 2026 | Sunday | After sunset; Pradosh Kaal muhurat (approx 6:00 PM – 8:30 PM)
Govardhan Puja | 9 November 2026 | Monday | Morning rituals
Bhai Dooj | 11 November 2026 | Wednesday | Afternoon tilak ceremony

Laxmi Puja Muhurat 2026: The most auspicious time for Lakshmi Puja is during Pradosh Kaal on Amavasya night, approximately 6:00 PM to 8:30 PM on 8 November 2026. Verify exact muhurat with your local panchang for city-specific sunset timings.

Is Laxmi Puja a Bank Holiday in 2026?

Date | Day | Holiday | Bank Closure Status
8 November 2026 | Sunday | Diwali / Laxmi Puja / Kali Puja | Weekly off; declared bank holiday in most states
9 November 2026 | Monday | Govardhan Puja / Bali Pratipada | Bank holiday in Maharashtra, Gujarat, UP, Delhi, and most states
11 November 2026 | Wednesday | Bhai Dooj (additional holiday for state offices) | Bank holiday in select states including Maharashtra (state offices only)
14 November 2026 | Saturday | 2nd Saturday | Nationwide bank holiday

Note: Diwali (Laxmi Puja) falls on Sunday, 8 November 2026, which is already a weekly off. The main Diwali bank holiday observation in most states is on Monday, 9 November (Govardhan Puja / Bali Pratipada). The November first fortnight creates one of the year's heaviest holiday clusters.

MCX Muhurat Trading on Diwali 2026: The Multi Commodity Exchange (MCX) holds a special Muhurat Trading session on Diwali night for symbolic new-year trading. The exact timing for 2026 will be notified by MCX closer to the date.

Diwali shopping, sweets, gifts, travel, home decoration, and Chopda Puja preparations involve significant spending — right when bank branches are closed. CreditMitra's short-term personal loans can be applied for entirely online before the Diwali cluster begins, so Laxmi Puja celebrations are never constrained by cash flow.

What Works and What Doesn't During the Diwali-Laxmi Puja Holiday

Service | Available During Diwali 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 | No, branch closed on holiday days
NACH EMI auto-debit | Processed on the next working day if due date falls on a Diwali holiday

What Happens If Your EMI Is Due on Diwali?

If your personal loan or credit card EMI falls between 8 and 11 November 2026, the NACH auto-debit will be processed on the next working day. The cluster of holidays (Sunday, Monday, then Wednesday Bhai Dooj) means that the next working day may be Tuesday, 10 November, or Thursday, 12 November, depending on which specific day your EMI falls and your state's holiday calendar. Maintain sufficient balance in your account from 7 November (Friday) to avoid a debit failure.

Need funds for Diwali shopping, Laxmi Puja preparations, or gifting? CreditMitra's short-term personal loans offer a fully online application and fast disbursal — apply before the Diwali holiday cluster begins so you are never short on funds during the festive season.