Image Source : The Times of India
As the month of September 2025 unfolds, many citizens have noted that banks across India will remain closed on the 4th and 5th of September. Understanding the reasons behind these consecutive bank holidays can help customers plan their financial activities better and avoid inconvenience. This detailed newsletter explains why banks are closed on these specific dates and offers clarity on regional observances influencing these holidays.
The Significance Of September 4 And 5 Bank Holidays
In September 2025, bank closures on September 4 and 5 correspond to major regional and national festivals, specifically the celebration of Onam in Kerala and the festival of Id-e-Milad (Milad-un-Nabi) observed nationwide.
Key Highlights Explaining The Closures
The Onam Festival Holiday On September 4
Onam, one of Kerala’s most significant and widely celebrated harvest festivals, falls on September 4 this year. Banks in Kerala observe this day as a restricted holiday to mark the festivities. Onam symbolizes prosperity, unity, and the legendary King Mahabali’s annual visit to his people. As Kerala’s economy and daily life slow down to celebrate, banking services cease in the state for this holy day.
Thiruvonam And Id-e-Milad Observance On September 5
September 5 sees two important overlapping holidays: Thiruvonam (the final and main day of Onam) and Id-e-Milad, also known as Milad-un-Nabi, commemorating the birth of Prophet Muhammad. While Thiruvonam is specific to Kerala, Id-e-Milad is recognized as a national holiday with many states observing bank closures to honour this religious event. States including Maharashtra, Karnataka, Tamil Nadu, Uttar Pradesh, Delhi, Jammu & Kashmir and more will see banks closed on this day.
Regional Variations Across The Country
Bank holidays in India often vary by state to reflect local festivals and cultural observances. While banks in Kerala remain closed on both days for Onam festivities, many other states observe only the Id-e-Milad holiday on September 5. Customers in other regions are encouraged to check local bank calendars to confirm holidays relevant to their location.
Impact On Banking Services And Customer Planning
Physical bank branches will remain closed on September 4 and 5 in affected states, leading to non-availability of in-branch services such as deposits, withdrawals, and cheque processing.
Digital banking services including online transfers, ATM withdrawals, UPI, NEFT, RTGS, and mobile banking platforms will continue to operate normally, ensuring uninterrupted financial transactions.
Customers are advised to anticipate the holiday schedule by planning any critical banking needs prior to these dates to avoid last-minute rushes or financial delays.
Other Scheduled Bank Holidays In September 2025
Besides the September 4 and 5 holidays, banks will observe regular closures on the second and fourth Saturdays and all Sundays as per Reserve Bank of India (RBI) mandates. Additionally, September will include various regional holidays such as Karma Puja, Navratra Sthapna, Dussehra, and Durga Puja affecting specific regions.
How To Stay Updated On Bank Holidays
Since bank holidays vary by region and category (restricted, gazetted, or compulsory), it is recommended to regularly consult official RBI calendars, local branch notices, or authenticated bank websites for the most accurate and current information.
Final Thoughts On Bank Holidays In September 2025
Understanding why banks are closed on September 4 and 5 helps customers navigate this festive banking schedule smoothly. While Onam brings celebration and cultural unity in Kerala, the observance of Id-e-Milad nationwide reflects India’s diverse religious fabric. Customers can leverage digital tools to manage their finances seamlessly during these holidays and plan visits accordingly.
Sources: Times of India, Economic Times, RBI Holiday Calendar, Indian Express, BankBazaar.com
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