Bank Holidays in October 2025: Check State-Wise Holiday List to Avoid Last-Minute Hassles

October 2025 is shaping up to be one of the busiest months for bank holidays across India, thanks to a string of major festivals and regional celebrations. The Reserve Bank of India (RBI) has already released its holiday calendar for October, listing multiple non-working days for banks in different states. In total, banks will remain closed on 21 days during the month, though the exact dates vary from state to state.

Why So Many Bank Holidays This Month?

October marks the peak of India’s festive season, with occasions ranging from Navratri, Durga Puja, Diwali, and Chhath Puja to regional festivals like Karva Chauth, Maharishi Valmiki Jayanti, and Kati Bihu. Since most of these celebrations are observed as public holidays in specific states, the number of bank closures is higher than in other months.

Along with festival-linked holidays, the regular weekly offs – Sundays (October 5, 12, 19, and 26) and the second and fourth Saturdays (October 11 and 25) – also add to the long list.

Key Bank Holiday Dates in October 2025

Here’s a breakdown of the major bank holidays in October:

• October 1: Navratri and Durga Puja – Banks closed in Kerala, Odisha, Tripura, Karnataka, Sikkim, and other states.

• October 2: Gandhi Jayanti and Dussehra – Nationwide holiday, banks closed across India.

• October 3–4: Durga Puja – Bank holidays in Sikkim.

• October 6: Lakshmi Puja – Banks closed in Tripura and West Bengal.

• October 7: Maharishi Valmiki Jayanti and Kumar Purnima – Holiday in Himachal Pradesh, Karnataka, Odisha, and Chandigarh.

• October 10: Karva Chauth – Bank holiday in select states.

• October 18: Kati Bihu – Holiday in Assam.

• October 20–22: Diwali and Govardhan Puja – Widespread bank holidays across multiple states.

• October 23: Bhai Dooj, Lakshmi Puja, and regional festivities – Banks closed in some states.

• October 27–28: Chhath Puja – Bank holidays in Bihar, Jharkhand, and West Bengal.

• October 31: Sardar Vallabhbhai Patel Jayanti – Bank holiday in Gujarat.

Impact on Customers

With banks remaining closed for almost three weeks during the month, customers are advised to plan ahead for their financial activities. Services such as cash deposits, cheque clearances, and branch-related transactions may face delays if scheduled around holidays.

To avoid inconvenience, it’s best to complete important transactions like loan EMIs, bill payments, or high-value transfers in advance.

Digital Banking Services Will Remain Available

Even though physical branches will remain closed, customers need not worry about access to essential services. Digital platforms such as:

• Internet Banking

• Mobile Banking Apps

• UPI Payments

• ATM Withdrawals

will continue to function normally throughout the month. However, in some cases, cheque clearance and inter-bank settlements may be delayed due to consecutive holidays.

What Customers Should Do

Plan Transactions Early: If you need to withdraw large sums or deposit cash, try to do it a few days before the holidays.

Rely on Digital Payments: Use UPI, debit cards, and online banking for daily expenses.

Track EMI Dates: Ensure sufficient balance in your account to avoid penalties during long holiday stretches.

Stay Updated: Since bank holidays differ from state to state, check your local holiday list before visiting a branch.

Final Takeaway

With 21 bank holidays in October 2025, it’s crucial for account holders to prepare in advance. While digital banking has made everyday transactions seamless, branch-related work may get affected if planned around festive closures. A little foresight can save you from last-minute hassles, ensuring that your financial needs are met without disruption during the festive season.