January 2026 brings multiple bank holidays across India as harvest festivals like Lohri (Jan 13), Makar Sankranti (Jan 14), and Pongal (Jan 15–16) are celebrated regionally. Alongside weekly closures and Republic Day (Jan 26), customers are advised to plan transactions in advance, as branch services will be unavailable during these dates.
The Reserve Bank of India (RBI) has released the official list of bank holidays for January 2026, highlighting closures due to major harvest festivals celebrated across different states. According to India Today, Goodreturns, and News24, banks will remain closed on specific dates, varying by region, under the Negotiable Instruments Act.
While digital banking services (UPI, net banking, ATMs) will remain functional, customers are urged to complete branch-related work ahead of time to avoid inconvenience.
Notable Updates and Major Takeaways
Lohri (Jan 13): Banks closed in Punjab, Haryana, Himachal Pradesh, and Delhi.
Makar Sankranti (Jan 14): Pan-India holiday, known as Uttarayan, Magh Bihu, or Sakraat in different states.
Pongal (Jan 15–16): Banks shut in Tamil Nadu, Andhra Pradesh, and Telangana.
Republic Day (Jan 26): Nationwide closure across all states.
Weekly offs: All Sundays, plus second and fourth Saturdays (Jan 10 & Jan 24).
Customer advisory: Plan cash deposits, withdrawals, and cheque clearances in advance.
Conclusion
January 2026 is packed with festive closures, reflecting India’s cultural diversity. With multiple regional holidays and one national holiday, customers should rely on digital platforms for uninterrupted banking while scheduling branch visits around these dates.
Sources: India Today, Goodreturns, News24