Planning your banking activities for the last week of September? Several bank holidays are lined up from September 22-28, and customers should plan their banking activities in advance to avoid inconvenience with cash deposits, cheque clearances, and branch-related work.
Table of Contents
Complete Bank Holiday Schedule (September 22-28, 2025)
Banks will observe multiple closures during this festive week, including state-specific holidays for Navratra Sthapna and Maharaja Hari Singh’s birthday, along with regular weekend closures.
| Date | Day | Holiday | States Affected | Type |
|---|---|---|---|---|
| September 22 | Monday | Navratra Sthapna | Jaipur, Rajasthan | State Holiday |
| September 23 | Tuesday | Maharaja Hari Singh Birthday | Jammu & Kashmir | State Holiday |
| September 24 | Wednesday | Regular Working Day | All States | Working Day |
| September 25 | Thursday | Regular Working Day | All States | Working Day |
| September 26 | Friday | Regular Working Day | All States | Working Day |
| September 27 | Saturday | Fourth Saturday | All States | Weekly Holiday |
| September 28 | Sunday | Regular Sunday | All States | Weekly Holiday |
Key Holidays Explained
Navratra Sthapna (September 22)
Navratra Sthapna marks the start of the Navratri festival celebrating the 9 avatars of Goddess Durga. Banks in Jaipur will remain closed for this auspicious beginning of the nine-day festival.
Maharaja Hari Singh Birthday (September 23)
Banks in Jammu and Srinagar will observe a holiday to commemorate the birth anniversary of Maharaja Hari Singh Ji, the last ruling monarch of the princely state of Jammu and Kashmir.
Weekend Closures
All scheduled and non-scheduled banks observe public holidays on second and fourth Saturdays, with regular Sunday closures across the country.
What Remains Open During Bank Holidays
Digital Banking Services
- ATM Services: Available 24/7 for cash withdrawals and deposits
- UPI Payments: Fully functional for instant transfers
- Net Banking: Online transactions continue normally
- Mobile Banking: All app-based services remain operational
- Credit/Debit Card Transactions: No interruption in card services
Emergency Banking
- Currency Chest Operations: Limited services for essential needs
- Airport Banking: Select airport branches may remain open
- Hospital Banking: Emergency services at major medical facilities
Smart Banking Tips for Holiday Week
Plan Ahead
Customers should be aware of these bank holiday dates to avoid inconvenience with cash deposits, cheque clearances, and branch-related work. Complete essential transactions by September 21st to avoid delays.
Use Digital Alternatives
Leverage online banking platforms and mobile apps for routine transactions. Most banking services operate seamlessly through digital channels during holidays.
Cash Management
Withdraw sufficient cash before the holiday period, especially considering the extended weekend from September 27-28.
Regional Impact Analysis
Rajasthan (Jaipur)
September 22nd closure affects the state capital during Navratra Sthapna celebrations. Other Rajashan cities maintain normal operations.
Jammu & Kashmir
September 23rd brings complete banking closure in Jammu and Srinagar for Maharaja Hari Singh’s birthday commemoration.
Rest of India
Regular operations continue on September 22-23, with standard fourth Saturday and Sunday closures on September 27-28.
Business and Trade Implications
Cheque Clearance Delays
Cheques deposited on September 21st may face processing delays due to consecutive holidays in some regions. Plan commercial transactions accordingly.
Salary and Payment Processing
Companies should process salary payments and vendor settlements by September 21st to ensure timely credit during the holiday period.
Trade Finance Operations
Import-export documentation and trade finance operations may experience delays in affected states.
Alternative Financial Services
Post Office Services
India Post offices maintain regular schedules and can handle basic financial transactions during bank holidays.
Cooperative Banks
Some cooperative and regional rural banks may follow different holiday schedules. Check with local institutions for specific timings.
Payment Gateways
All major payment gateways including Razorpay, Payu, and others continue normal operations throughout the holiday period.
RBI Guidelines for Bank Holidays
The Reserve Bank of India mandates that all 2nd and 4th Saturdays and all Sundays are bank holidays, in addition to national and state-specific festivals. Banks must display holiday schedules prominently and ensure adequate ATM cash availability.
Visit the official RBI Holiday Calendar for the most up-to-date information on bank closures across India.
Preparing for October Banking
After this holiday-heavy week, banks resume normal operations from September 29th. However, October brings additional festive holidays with Durga Puja and Diwali celebrations, so plan longer-term financial activities accordingly.
For comprehensive banking guides and financial planning tips, explore more resources at TechnoSports Banking.
Stay Informed, Stay Prepared
This holiday-packed week requires careful planning for customers who need branch visits for services like depositing cheques, withdrawing large amounts of cash, or applying for loans.
Make the most of digital banking services and plan your financial activities around these scheduled closures. For real-time banking updates and festive season financial tips, stay connected with TechnoSports.
Remember: While branches may close, your money never sleeps with digital banking services available round the clock!
Frequently Asked Questions
Will Bank Loan EMI Due Dates Get Extended During These Holidays?
Most banks automatically adjust EMI due dates when they fall on holidays, moving them to the next working day without penalty. However, auto-debit instructions through net banking or UPI continue processing normally even during bank holidays. Contact your specific bank or check your loan agreement terms to confirm their holiday policy, as practices may vary between institutions.
Are Government Payment Services Like Income Tax or GST Filing Affected During Bank Holidays?
Government payment portals and tax filing systems operate independently of bank holidays and remain functional 24/7. You can file income tax returns, pay GST, and make government-related payments through RTGS, NEFT, or UPI even when banks are closed. However, manual verification processes may face delays, so file important documents well before deadlines to account for processing time.
