13 Days of Silence: India’s Banks to Go Dark in July 2025

In India, banks will remain closed for up to 13 days in July 2025 due to regional festivals, observances, and routine closures. The Reserve Bank of India (RBI), headquartered in Mumbai, Maharashtra, oversees the scheduling of these holidays under the Negotiable Instruments Act. Customers across various Indian states should note the state-specific bank holidays and plan their in-branch financial activities accordingly.

The Reserve Bank of India (RBI), headquartered in Mumbai, Maharashtra, has released the state-wise list of bank holidays for July 2025. Banks across various states will be closed for up to 13 days next month due to regional festivals and observances, in addition to the standard second and fourth Saturdays and Sundays.

These holidays are notified under the RBI’s Negotiable Instruments Act, and are applicable to both scheduled and non-scheduled commercial banks. Customers are advised to check state-specific holidays and ensure timely transactions before the respective closure dates.

Key State-Specific Holidays in July 2025:

• Tripura
  
  • July 3, Thursday – Kharchi Puja
    
  • July 19, Saturday – Ker Puja
    
• Jammu & Kashmir
  
  • July 5, Saturday – Guru Hargobind Ji’s Birthday
    
• Meghalaya
  
  • July 14, Monday – Beh Deinkhlam
    
  • July 17, Thursday – Death Anniversary of U Tirot Singh
    
• Uttarakhand
  
  • July 16, Wednesday – Harela
    
• Sikkim
  
  • July 28, Monday – Drukpa Tshe-zi
    

Nationwide Bank Closures (All States):

• July 6 – Sunday
  
• July 12 – Second Saturday
  
• July 13 – Sunday
  
• July 20 – Sunday
  
• July 26 – Fourth Saturday
  
• July 27 – Sunday
  

During these closure periods, while physical banking services will be unavailable, customers can continue to use digital platforms, internet banking, ATM withdrawals, and mobile banking. However, services such as RTGS, NEFT, and cheque clearance may be impacted due to physical branch inactivity.

Plan Ahead: 

Customers needing in-person assistance are encouraged to visit their local bank branches prior to the respective state-specific closures. Banks like State Bank of India, Punjab National Bank, and ICICI Bank will follow these regional and national closure schedules.