Banks across India will observe a total of 12 holiday days in July 2026, including weekly holidays and state specific festivals. While bank branches will remain closed on designated holidays, most digital banking services such as UPI, NEFT, RTGS, Net Banking, Mobile Banking and ATMs will continue to operate throughout the month. Customers planning important banking work should check the holiday calendar in advance to avoid delays in branch related services such as cheque clearance, loan processing and locker access.
Total Bank Holidays in July 2026
According to the July 2026 banking calendar, there are 12 bank holidays during the month. These include weekly Sundays, Second Saturday, Fourth Saturday, and regional holidays observed in specific states under the Negotiable Instruments Act. Since some holidays are state specific, bank branches may remain open in one state while staying closed in another.
Nationwide Bank Holidays in July 2026
The following holidays apply to bank branches across India.
| Date | Day | Holiday |
|---|---|---|
| July 5, 2026 | Sunday | Weekly Holiday |
| July 11, 2026 | Saturday | Second Saturday |
| July 12, 2026 | Sunday | Weekly Holiday |
| July 19, 2026 | Sunday | Weekly Holiday |
| July 25, 2026 | Saturday | Fourth Saturday |
| July 26, 2026 | Sunday | Weekly Holiday |
These six holidays are observed by banks nationwide.
State Wise Bank Holidays in July 2026
Apart from weekend holidays, several regional festivals and special occasions will result in bank closures in selected states.
| Date | Holiday | States Affected |
|---|---|---|
| July 1, 2026 | Guru Hargobind Ji Birthday | Jammu and Kashmir |
| July 6, 2026 | MHIP Day and Dr. Syama Prasad Mookerjee Jayanti | Mizoram and West Bengal (Kolkata) |
| July 9, 2026 | Beh Deinkhlam Festival | Meghalaya (Shillong) |
| July 13, 2026 | Bhanu Jayanti and Martyrs Day | Sikkim and Jammu and Kashmir |
| July 16, 2026 | Ratha Yatra and Harela Festival | Odisha, Manipur and Uttarakhand |
| July 17, 2026 | Death Anniversary of U Tirot Sing | Meghalaya |
| July 18, 2026 | Drukpa Tshe zi | Sikkim (Gangtok) |
| July 22, 2026 | Kharchi Puja | Tripura (Agartala) |
| July 31, 2026 | Shaheed Udham Singh Martyrdom Day | Punjab and Haryana |
Customers should remember that these holidays apply only in the listed states, while banks in other states may continue normal operations.
Banking Services That Will Be Affected
Although digital banking remains available, several branch based services will not be processed on bank holidays.
- Cheque clearance: Physical cheque clearing will remain unavailable during bank holidays. Processing will continue once banks reopen
- Loan processing: Document verification, final approval and loan disbursal requiring branch staff may be delayed until the next working day
- Locker services: Customers will not be able to access bank lockers while branches remain closed
- Demand Draft services: Issuing or encashing Demand Drafts (DDs) will not be available during bank holidays
Banking Services That Will Continue Normally
Most digital banking facilities will remain available throughout the holiday period.
| Service | Availability |
|---|---|
| UPI and IMPS | Instant money transfers continue without interruption |
| NEFT and RTGS | Electronic fund transfer services remain available 24/7 |
| Mobile Banking and Net Banking | Fund transfers, bill payments, account statements, fixed deposit creation |
| ATM Services | Cash withdrawals and cash deposit machines remain operational |
How Customers Can Plan Ahead
People expecting to visit a bank branch during July should check the holiday schedule before planning their visit. If branch services such as cheque deposits, locker access or loan documentation are required, completing these tasks before the holiday can help avoid unnecessary delays. For routine banking activities, customers can continue using digital banking platforms, which remain available throughout the month.
Why It Is Important to Check Bank Holidays
Knowing the bank holiday calendar helps customers manage financial transactions more efficiently. Businesses can schedule payments on working days, students can avoid delays in education related banking work, and individuals planning large financial transactions can ensure that branch services are available when needed. Planning ahead also helps prevent inconvenience caused by unexpected branch closures.
Conclusion
Banks across India will observe 12 holiday days during July 2026, including weekly holidays and several regional festivals. While physical bank branches will remain closed on designated dates, digital banking services such as UPI, NEFT, RTGS, Mobile Banking, Net Banking and ATMs will continue to operate normally. Customers are advised to review the holiday calendar before visiting a branch and complete important banking work in advance whenever possible.
Frequently Asked Questions
Q1. How many bank holidays are there in July 2026
A1. There are 12 bank holidays in July 2026, including nationwide weekend holidays and state specific festivals.
Q2. Which are the nationwide bank holidays in July 2026
A2. Nationwide holidays include Sundays on July 5, 12, 19, 26, Second Saturday on July 11, and Fourth Saturday on July 25.
Q3. Which states observe Ratha Yatra as a bank holiday
A3. Ratha Yatra is observed as a bank holiday in Odisha, Manipur, and Uttarakhand on July 16, 2026.
Q4. Will digital banking services work on bank holidays
A4. Yes, UPI, IMPS, NEFT, RTGS, Mobile Banking, Net Banking, and ATM services will continue to operate normally on bank holidays.
Q5. Which banking services will not be available on bank holidays
A5. Branch based services including cheque clearance, loan processing, locker access, and Demand Draft issuance will not be available on bank holidays.