December 2026 is one of the busiest months for banking in India. Year-end financial planning, salary processing, loan repayments, business settlements, and festive spending all land in the same four weeks. Before visiting a branch, it helps to know the complete bank holiday calendar December 2026 — which days are banks closed, which are working days, and how different states handle Christmas-period closures.
Banks in India follow a holiday schedule published by the Reserve Bank of India (RBI). Bank closed dates in December 2026 include national holidays, state-specific gazetted holidays, all Sundays, the second Saturday, and the fourth Saturday of the month. This document covers the full RBI bank holiday list December 2026 — state wise, city wise, and bank wise — so you can plan your banking work without last-minute disruptions.
The most important dates to note: 12 December 2026 bank holiday (second Saturday), 25 December 2026 bank holiday (Christmas Day), and 26 December 2026 bank holiday (fourth Saturday). These three dates, combined with surrounding Sundays, account for most of the bank closed days in December 2026.
December 2026 Bank Holidays – Quick Overview
The table below summarises all confirmed and expected bank holidays in December 2026 in India. This serves as a quick reference for the bank holiday list December 2026 across all states.
| Date | Day | Holiday / Reason | Status | Applicable Region |
|---|---|---|---|---|
| 6 Dec 2026 | Sunday | Weekly Off | Closed | All India – pan-India |
| 12 Dec 2026 | Saturday | Second Saturday Bank Holiday | Closed | All India – pan-India |
| 13 Dec 2026 | Sunday | Weekly Off | Closed | All India – pan-India |
| 20 Dec 2026 | Sunday | Weekly Off | Closed | All India – pan-India |
| 24 Dec 2026 | Thursday | Christmas Eve (select states) | Check State | Goa, Kerala, NE States |
| 25 Dec 2026 | Friday | Christmas Day Bank Holiday | Closed | Most States |
| 26 Dec 2026 | Saturday | Fourth Saturday Bank Holiday | Closed | All India – pan-India |
| 27 Dec 2026 | Sunday | Weekly Off | Closed | All India – pan-India |
RBI Note: The RBI issues state-specific holiday notifications under the Negotiable Instruments Act. The table above reflects the national bank holiday calendar December 2026. Some states add regional days. Always verify at rbi.org.in or with your bank branch.
Important Bank Holidays in December 2026 – Key Dates Explained
1. Second Saturday – 12 December 2026 Bank Holiday
Is 12 December 2026 a bank holiday? Yes — and the reason is straightforward. Every second Saturday of the month is a mandatory RBI bank holiday across India. All scheduled commercial banks, public sector banks, private banks, co-operative banks, and regional rural banks remain closed on this date.
If you have cheque submissions, passbook updates, locker visits, or loan paperwork due around this time, complete them on or before Friday 11 December. The 12 December bank holiday applies to SBI, HDFC, ICICI, Axis, PNB, Bank of Baroda, Canara Bank, and all other banks equally — no exceptions.
2. Christmas Day – 25 December 2026 Bank Holiday
Is bank closed on Christmas 2026? Yes. Are banks closed on Christmas 2026? In most states across India, banks are closed on 25 December 2026. Christmas Day is a gazetted national holiday, and the 25 December 2026 bank holiday is one of the most widely observed December bank holidays in India.
States where Christmas bank holiday 2026 is particularly significant include Goa, Kerala, Nagaland, Mizoram, Meghalaya, Manipur, Arunachal Pradesh, Assam, West Bengal, Tamil Nadu, Karnataka, Maharashtra, and Andhra Pradesh. In these states, Christmas Day is observed with higher participation, and some also observe Christmas Eve (24 December) as an additional bank holiday.
Are banks open on 24 December 2026? In most states, yes — banks are open on 24 December. However, Goa, Kerala, Nagaland, Mizoram, and Meghalaya may declare Christmas Eve as a local holiday based on state government notifications. Check the RBI state wise bank holidays December 2026 list for your specific region.
3. Fourth Saturday – 26 December 2026 Bank Holiday
Is 26 December 2026 a bank holiday? Yes. The fourth Saturday of every month is a scheduled bank holiday across India. In December 2026, the fourth Saturday falls on 26 December — the day immediately after Christmas.
This creates a three-day banking break: 25 December (Christmas Day), 26 December (fourth Saturday bank holiday December 2026), and 27 December (Sunday). Any branch-dependent work must be completed by Thursday 24 December 2026.
Three-Day Bank Closure: 25–27 December 2026 Christmas Day (Fri 25th) → Fourth Saturday (Sat 26th) → Sunday (27th). All branch work — cheques, DDs, cash deposits, loan documents, locker access — must be completed by Thursday 24 December 2026.
Complete Bank Holiday Calendar December 2026 – Date by Date
The table below is the full December 2026 bank holiday calendar for India. It covers every date, the bank status, and relevant notes. This is the reference list for bank working days in December 2026 and bank closed dates in December 2026.
| Date | Day | Bank Status | Note / Reason |
|---|---|---|---|
| 1 Dec 2026 | Tue | Open | Regular working day |
| 2 Dec 2026 | Wed | Open | Regular working day |
| 3 Dec 2026 | Thu | Open | Regular working day |
| 4 Dec 2026 | Fri | Open | Regular working day |
| 5 Dec 2026 | Sat | Open | First Saturday – banks open |
| 6 Dec 2026 | Sun | Closed | Weekly off – Sunday |
| 7 Dec 2026 | Mon | Open | Regular working day |
| 8 Dec 2026 | Tue | Open | Regular working day |
| 9 Dec 2026 | Wed | Open | Regular working day |
| 10 Dec 2026 | Thu | Open | Regular working day |
| 11 Dec 2026 | Fri | Open | Last working day before 2nd Saturday closure |
| 12 Dec 2026 | Sat | Closed | Second Saturday – bank holiday (all India) |
| 13 Dec 2026 | Sun | Closed | Weekly off – Sunday |
| 14 Dec 2026 | Mon | Open | Regular working day |
| 15 Dec 2026 | Tue | Open | Regular working day |
| 16 Dec 2026 | Wed | Open | Regular working day |
| 17 Dec 2026 | Thu | Open | Regular working day |
| 18 Dec 2026 | Fri | Open | Regular working day |
| 19 Dec 2026 | Sat | Open | Third Saturday – banks open |
| 20 Dec 2026 | Sun | Closed | Weekly off – Sunday |
| 21 Dec 2026 | Mon | Open | Regular working day |
| 22 Dec 2026 | Tue | Open | Regular working day |
| 23 Dec 2026 | Wed | Open | Regular working day |
| 24 Dec 2026 | Thu | Check State | Christmas Eve – select states may be closed |
| 25 Dec 2026 | Fri | Closed | Christmas Day – gazetted national holiday |
| 26 Dec 2026 | Sat | Closed | Fourth Saturday – bank holiday (all India) |
| 27 Dec 2026 | Sun | Closed | Weekly off – Sunday |
| 28 Dec 2026 | Mon | Open | Branches reopen after Christmas break |
| 29 Dec 2026 | Tue | Open | Regular working day |
| 30 Dec 2026 | Wed | Open | Regular working day |
| 31 Dec 2026 | Thu | Check State | Open in most states; verify for NE states |
State-Wise Bank Holidays December 2026 – All States & Union Territories
Bank holidays in India are not uniform across states. The RBI state wise bank holidays December 2026 list shows that while pan-India closures (Sundays, second Saturday, fourth Saturday, Christmas Day) apply everywhere, individual states may add regional gazetted holidays on top of the national calendar.
Below is the state wise bank holiday list December 2026 covering all major states and union territories. States are listed with region groupings for quick reference. This section addresses search queries such as bank holidays December 2026 in Maharashtra, bank holidays December 2026 in Delhi, bank holidays December 2026 in Kerala, bank holidays December 2026 in Goa, bank holidays December 2026 in Karnataka, bank holidays December 2026 in Nagaland, bank holidays December 2026 in Mizoram, bank holidays December 2026 in Meghalaya, bank holidays December 2026 in Assam, bank holidays December 2026 in Tamil Nadu, bank holidays December 2026 in West Bengal, bank holidays December 2026 in Gujarat, bank holidays December 2026 in Rajasthan, bank holidays December 2026 in Punjab, bank holidays December 2026 in Uttar Pradesh, and bank holidays December 2026 in Telangana.
| State / UT | Region | Bank Holidays in December 2026 (beyond Sundays & Saturdays) |
|---|---|---|
| Nagaland | Northeast | 24 Dec (Christmas Eve), 25 Dec (Christmas Day), 26 Dec (4th Saturday) |
| Mizoram | Northeast | 24 Dec (Christmas Eve), 25 Dec (Christmas Day), 26 Dec (4th Saturday) |
| Meghalaya | Northeast | 25 Dec (Christmas Day), 26 Dec (4th Saturday), 31 Dec (New Year – verify) |
| Manipur | Northeast | 25 Dec (Christmas Day), 26 Dec (4th Saturday) |
| Arunachal Pradesh | Northeast | 25 Dec (Christmas Day), 26 Dec (4th Saturday) |
| Assam | Northeast | 25 Dec (Christmas Day), 26 Dec (4th Saturday) |
| Sikkim | Northeast | 25 Dec (Christmas Day), 26 Dec (4th Saturday), 31 Dec (New Year – verify) |
| Goa | West | 24 Dec (Christmas Eve), 25 Dec (Christmas Day), 26 Dec (4th Saturday) |
| Kerala | South | 25 Dec (Christmas Day), 26 Dec (4th Saturday) |
| Tamil Nadu | South | 25 Dec (Christmas Day – Chennai & all districts), 26 Dec (4th Saturday) |
| Karnataka | South | 25 Dec (Christmas Day – Bangalore & all districts), 26 Dec (4th Saturday) |
| Andhra Pradesh | South | 25 Dec (Christmas Day – Hyderabad & all districts), 26 Dec (4th Saturday) |
| Telangana | South | 25 Dec (Christmas Day – Hyderabad), 26 Dec (4th Saturday) |
| West Bengal | East | 25 Dec (Christmas Day – Kolkata & all districts), 26 Dec (4th Saturday) |
| Odisha | East | 25 Dec (Christmas Day), 26 Dec (4th Saturday) |
| Maharashtra | West | 25 Dec (Christmas Day – Mumbai, Pune & all), 26 Dec (4th Saturday) |
| Gujarat | West | 25 Dec (Christmas Day – Ahmedabad), 26 Dec (4th Saturday) |
| Rajasthan | North | 25 Dec (Christmas Day – Jaipur), 26 Dec (4th Saturday) |
| Delhi / NCR | North | 25 Dec (Christmas Day – Delhi, Noida, Ghaziabad), 26 Dec (4th Saturday) |
| Uttar Pradesh | North | 25 Dec (Christmas Day – Lucknow, Noida, Ghaziabad), 26 Dec (4th Saturday) |
| Punjab & Haryana | North | 25 Dec (Christmas Day), 26 Dec (4th Saturday) |
| Himachal Pradesh | North | 25 Dec (Christmas Day), 26 Dec (4th Saturday) |
Official Source: For the authoritative RBI bank holiday list December 2026 state wise, visit rbi.org.in → Notifications → Holidays. Filter by state to get the reserve bank of india holidays December 2026 for your region.
City-Wise Bank Holidays December 2026
For customers searching bank holidays in Delhi December 2026, bank holidays in Mumbai December 2026, bank holidays in Bangalore December 2026, bank holidays in Chennai December 2026, bank holidays in Hyderabad December 2026, bank holidays in Kolkata December 2026, bank holidays in Pune December 2026, bank holidays in Lucknow December 2026, bank holidays in Noida December 2026, bank holidays in Ghaziabad December 2026, bank holidays in Ahmedabad December 2026, or bank holidays in Jaipur December 2026 — the table below gives a city-specific view.
| City | State | Bank Holiday Notes – December 2026 |
|---|---|---|
| Delhi | Delhi / NCR | 25 Dec (Christmas), 26 Dec (4th Sat) – branches across Delhi closed |
| Mumbai | Maharashtra | 25 Dec (Christmas), 26 Dec (4th Sat) – all Mumbai branches closed |
| Bangalore | Karnataka | 25 Dec (Christmas), 26 Dec (4th Sat) – all Bangalore branches closed |
| Chennai | Tamil Nadu | 25 Dec (Christmas), 26 Dec (4th Sat) – all Chennai branches closed |
| Hyderabad | Telangana / AP | 25 Dec (Christmas), 26 Dec (4th Sat) – all Hyderabad branches closed |
| Kolkata | West Bengal | 25 Dec (Christmas), 26 Dec (4th Sat) – all Kolkata branches closed |
| Pune | Maharashtra | 25 Dec (Christmas), 26 Dec (4th Sat) – all Pune branches closed |
| Lucknow | Uttar Pradesh | 25 Dec (Christmas), 26 Dec (4th Sat) – Lucknow branches closed |
| Noida | Uttar Pradesh | 25 Dec (Christmas), 26 Dec (4th Sat) – Noida branches closed |
| Ghaziabad | Uttar Pradesh | 25 Dec (Christmas), 26 Dec (4th Sat) – Ghaziabad branches closed |
| Ahmedabad | Gujarat | 25 Dec (Christmas), 26 Dec (4th Sat) – Ahmedabad branches closed |
| Jaipur | Rajasthan | 25 Dec (Christmas), 26 Dec (4th Sat) – Jaipur branches closed |
Bank-Wise Holiday Reference – December 2026
All scheduled commercial banks in India follow the RBI bank holiday list December 2026. Whether you bank with SBI, HDFC, ICICI, Axis, PNB, Bank of Baroda, Canara Bank, Union Bank, Indian Bank, or Kotak — the branch closure dates are the same. The table below covers SBI bank holidays December 2026, HDFC bank holidays December 2026, ICICI bank holidays December 2026, and other major banks for quick reference.
| Bank Name | December 2026 Holiday Policy |
|---|---|
| SBI Bank Holidays December 2026 | Follows RBI calendar – closed on 12 Dec (2nd Sat), 25 Dec (Christmas), 26 Dec (4th Sat), all Sundays |
| HDFC Bank Holidays December 2026 | Same as RBI schedule; online banking & UPI available throughout |
| ICICI Bank Holidays December 2026 | Follows RBI state-wise holiday list; digital services unaffected |
| Axis Bank Holidays December 2026 | Closed on all RBI-notified dates; check branch notice for state-specific days |
| PNB Holidays December 2026 | Public sector bank – follows RBI holiday matrix December 2026 |
| Bank of Baroda December 2026 | Follows RBI calendar; additional state holidays may apply |
| Canara Bank December 2026 | Follows RBI schedule; check rbi.org.in for your state list |
| Union Bank December 2026 | Follows RBI holiday list; closed on all notified dates |
| Indian Bank December 2026 | Follows RBI state-wise calendar for December 2026 |
| Kotak Bank December 2026 | Follows RBI schedule; mobile banking available during all closures |
Important: All banks follow the RBI holiday matrix December 2026. Individual bank branches may display additional state-specific notices. Check your bank’s official website or branch notice board for any bank-specific updates to the bank holidays as per RBI December 2026.
Is Online Banking Available on Bank Holidays in December 2026?
Branch closures do not affect digital banking. Even on bank closed dates in December 2026, the following services remain fully operational:
- UPI Payments – available 24×7 on all bank holidays, including Christmas 2026
- Internet Banking – fund transfers, bill payments, account statements
- Mobile Banking Apps – all routine transactions without branch visit
- ATM Services – ATMs remain operational; stock up before the three-day Christmas break
- IMPS Transfers – instant, real-time, unaffected by bank holiday calendar
- Debit and Credit Card Transactions – fully available during all December 2026 holidays
- Auto-debit and Standing Instructions – continue as scheduled on bank holidays
- Balance Enquiry and Mini Statements – available on all bank closed dates
Do NEFT and RTGS Work on Bank Holidays in December 2026?
Since December 2019, NEFT operates round-the-clock including on all bank holidays. RTGS is also available online on most holidays. However, settlement timelines for large transactions may depend on the receiving bank’s systems. For time-critical payments, IMPS or UPI is the more reliable option since both are truly real-time and completely holiday-agnostic.
Will UPI work on bank holidays in December 2026? Yes. Are ATM services available on bank holidays? Yes, though cash availability may be lower at ATMs in smaller towns during long holiday breaks. For branch-dependent services — cheque clearance, demand drafts, cash deposits, locker access, loan disbursements — you must visit before the bank closed dates.
Plan Your Banking Work Before December 2026 Holidays
Bank working days in December 2026 are limited near month-end due to the Christmas break. The effective deadline for branch-based work is Thursday 24 December 2026. Use the checklist below to plan your banking work before December 2026 holidays.
| Banking Task | Recommended Deadline | Why This Deadline Matters |
|---|---|---|
| Cheque deposits | By 23 December | Clearance takes 1–2 business days; avoid holiday delay |
| Large cash withdrawal | By 24 December | ATM replenishment may lag in smaller towns during holidays |
| Demand draft / banker’s cheque | By 23 December | Branch-only service; not available on bank closed dates |
| Loan EMI / prepayment | By 24 December | Avoid penalty from processing delays on bank holidays |
| Home loan documentation | By 22 December | Year-end processing teams slow down before Christmas |
| KYC update | By 22 December | Branch staff required; avoid queue rush near holidays |
| Bank locker access | By 24 December | Not available on bank holiday calendar dates |
| Business settlement / RTGS | By 24 December | Confirm with relationship manager for large transfers |
| Account opening formalities | By 22 December | Document verification takes time near year-end |
| Tax payment via bank counter | By 24 December | Year-end tax deadlines apply; do not miss working days |
| Salary processing (HR / payroll) | By 22 December | Bank working days in December 2026 are limited near month end |
| Passbook update | By 24 December | Machine or teller required; not possible on bank holidays |
Practical Tips for Banking This Month – December 2026
- Finish all branch work by 24 December. The Christmas 2026 bank holiday cluster (25th, 26th, 27th) creates a three-day gap. Branches tend to get crowded in the days before any long closure, so plan ahead and do not leave urgent work for 23 or 24 December.
- Use digital channels for routine payments. Bank holidays this month December 2026 do not affect UPI, NEFT, IMPS, or mobile banking. Bill payments, credit card dues, utility top-ups, and fund transfers can all be handled without a branch visit.
- Verify your state’s holiday list separately. The RBI bank holiday list December 2026 state wise varies. If you are in Goa, Kerala, Nagaland, Mizoram, or Meghalaya, your state may observe Christmas Eve (24 December) as an additional bank holiday — check rbi.org.in for your state.
- Avoid cheque-based payments near bank closed dates. A cheque submitted on or just before a long closure will only be cleared from 28 December. If funds are time-sensitive, switch to IMPS or NEFT for faster settlement.
- Withdraw cash before the Christmas break if travelling. ATMs in tourist areas, pilgrim towns, and smaller cities may run low during the December 2026 holiday calendar period. Withdraw what you need before 24 December if you are heading out of town.
- Set up standing instructions before bank holiday today or tomorrow. If recurring payments fall on 25–28 December, make sure your bank has active mandates for auto-debit so payments do not lapse during bank closed days in December 2026.
Conclusion – Bank Holidays in December 2026 India
The complete list of bank holidays in December 2026 includes four Sundays, the second Saturday on 12 December, Christmas Day on 25 December, and the fourth Saturday on 26 December — making seven confirmed bank closed days across India. States like Goa, Nagaland, and Mizoram add Christmas Eve (24 December) as well.
The state wise December 2026 bank holiday schedule shows that while most closures are pan-India, regional holidays vary. The bank holiday calendar December 2026 for India confirms that the Christmas break (25–27 December) is the most impactful cluster for branch-dependent banking work.
To plan without disruption: complete all branch work by 24 December, use UPI and online banking for digital transactions throughout the holiday period, and refer to rbi.org.in for the official RBI bank holidays December 2026 India list for your state.
Disclaimer: Bank holiday schedules are subject to change based on official RBI notifications. This document reflects the expected bank holiday list December 2026 as per established RBI policy and the Negotiable Instruments Act. Verify all dates at rbi.org.in or with your bank branch before making financial plans.
Frequently Asked Questions – Bank Holidays December 2026
How many bank holidays are there in December 2026?
December 2026 has seven confirmed pan-India bank holidays: four Sundays (6th, 13th, 20th, 27th), one second Saturday (12th), one fourth Saturday (26th), and Christmas Day (25th). States like Nagaland, Mizoram, and Goa may add Christmas Eve (24th), bringing the total to eight or more for those regions.
Which days are banks closed in December 2026?
Bank closed dates in December 2026 are: 6 Dec (Sunday), 12 Dec (Second Saturday), 13 Dec (Sunday), 20 Dec (Sunday), 25 Dec (Christmas Day), 26 Dec (Fourth Saturday), 27 Dec (Sunday). Additionally, 24 December is a bank holiday in select states including Goa, Kerala, Nagaland, Mizoram, and Meghalaya.
Is 12 December 2026 a bank holiday?
Yes. 12 December bank holiday 2026 is the second Saturday of the month. This is a mandatory pan-India bank holiday applicable to all scheduled commercial banks — SBI, HDFC, ICICI, Axis, PNB, Bank of Baroda, Canara Bank, and all others.
Is 25 December 2026 a bank holiday? Are banks closed on Christmas 2026?
Yes. The 25 December 2026 bank holiday is confirmed across most states. Christmas Day bank holiday 2026 is a gazetted national holiday. Is bank closed on Christmas 2026? Yes, branches remain shut. Online banking, UPI, and ATMs continue to work normally.
Is 26 December 2026 a bank holiday?
Yes. 26 December bank holiday 2026 is the fourth Saturday. The December 26 bank holiday 2026 is a pan-India closure. Combined with Christmas (25th) and Sunday (27th), it forms a three-day break.
Are banks open on 24 December 2026?
Banks are open on 24 December 2026 in most states. However, it may be a bank holiday in Goa, Kerala, Nagaland, Mizoram, and Meghalaya. Check the RBI state wise bank holidays December 2026 notification for your specific state.
Are banks open on 31 December 2026?
Are banks open on 31 December 2026? Yes, in most states. It is a Thursday and a regular working day. Some northeastern states may observe a New Year’s Eve bank holiday — verify the December 2026 holiday calendar for your state closer to the date.
Will UPI work on bank holidays in December 2026?
Yes. UPI operates 24×7 including all bank holiday calendar December 2026 dates. UPI payments, IMPS, and mobile banking are unaffected by any bank closed date.
Are ATM services available on bank holidays in December 2026?
Yes. ATMs remain operational throughout December 2026 including on Christmas and all other bank closed dates. Cash availability may vary at ATMs in smaller towns during long holiday periods — withdraw in advance if you are travelling.
Do NEFT and RTGS work on bank holidays?
NEFT works 24×7 including on all bank holidays in December 2026. RTGS is also available online on most holidays. However, for very large transactions, confirm settlement timelines with your bank. IMPS is the most reliable option for instant transfers on bank closed dates.
What is the RBI holiday matrix for December 2026?
The RBI holiday matrix December 2026 / RBI bank holiday list December 2026 state wise is published on rbi.org.in. It lists bank holidays as per RBI December 2026 for all states and union territories under the Negotiable Instruments Act. The matrix shows which dates are pan-India closures and which are state-specific.
Are all bank holidays in December 2026 the same across states?
No. Pan-India holidays (Sundays, second and fourth Saturdays, Christmas Day) apply to all states. State wise bank holidays December 2026 vary for regional gazetted holidays. December 2026 bank holidays state wise differ especially for Goa, Kerala, Nagaland, Mizoram, Meghalaya, and other states with significant Christmas observance.