Tomorrow bank holiday status: closed in every state. Banks shut on Sunday, 25 October 2026, as a weekly holiday, after today’s 4th Saturday closure. Monday 26 October is also a holiday in Haryana, Punjab, Himachal Pradesh, Chandigarh and Karnataka for Valmiki Jayanti. UPI, IMPS, NEFT, RTGS, net banking and ATMs keep working.
Wondering about tomorrow’s bank holiday status before you plan a cash deposit or a loan payment? Tomorrow is Sunday, so branches are shut nationwide, and the real catch is the days around it. Today is the 4th Saturday, and Monday adds a holiday in several states. That turns the tomorrow bank holiday into a three-day closure for customers in Haryana, Punjab, Himachal Pradesh, Chandigarh and Karnataka. This guide from BusinessMust shows the state-wise status, what still works, and how to protect your payments.
Key Takeaways
- Tomorrow (Sunday, 25 October 2026) is a weekly bank holiday in every state.
- Monday, 26 October is a third closed day in Haryana, Punjab, Himachal Pradesh, Chandigarh and Karnataka.
- UPI, IMPS, NEFT, RTGS and net banking work on holidays. Counter cash, drafts and lockers do not.
- Keep cash and EMI balance ready before the closure, because cheques and auto-debits can slip to the next working day.
- Next dates to note: 29 October (Shimla), 31 October (Gujarat) and the Diwali cluster from 8 November.
Table of Contents
- Is Tomorrow a Bank Holiday? State-Wise Status
- Bank Holidays Coming Up
- How to Check a Tomorrow Bank Holiday in 30 Seconds
- What Still Works and What Doesn’t
- EMIs, Credit Cards, SIPs and Cheques
- What It Means for You
- Bank Holiday vs Stock Market Holiday vs Office Holiday
- Expert Tips and Common Mistakes
- FAQs
- Conclusion
Is Tomorrow a Bank Holiday? State-Wise Status
Yes. Sunday closure applies across India, so the state-wise difference shows up on Monday.
| State or UT | Tomorrow (Sun, 25 Oct) | Monday (26 Oct) | Closed days in a row |
|---|---|---|---|
| Haryana | Closed | Closed (Valmiki Jayanti) | 3 (Sat to Mon) |
| Punjab | Closed | Closed | 3 |
| Himachal Pradesh | Closed | Closed | 3 |
| Chandigarh | Closed | Closed | 3 |
| Karnataka | Closed | Closed (confirm locally) | 3 |
| Odisha and Tripura | Closed (Sunday, Lakshmi Puja) | Open | 2 |
| Delhi, Maharashtra, Uttar Pradesh, Gujarat, Tamil Nadu and most other states | Closed | Open | 2 |
The dates come from published bank and RBI-based holiday lists. They are not identical everywhere: Deutsche Bank’s Bengaluru list does not show 26 October, while greytHR’s Karnataka list does. Confirm with your own branch if the date matters to you.
Here is what the three-day closure means in practice. A Ludhiana retailer who collects cheques on Saturday cannot bank them in person until Tuesday 27 October. Deutsche Bank’s Ludhiana list shows Valmiki Jayanti on 26 October. A retailer in Mumbai can deposit on Monday.
Bank Holidays Coming Up
| Date | Day | Holiday | Where it applies |
|---|---|---|---|
| 25 Oct | Sunday | Weekly holiday | All India |
| 26 Oct | Monday | Maharishi Valmiki Jayanti | Haryana, Punjab, Himachal Pradesh, Chandigarh, Karnataka |
| 29 Oct | Thursday | Karva Chauth | Shimla |
| 31 Oct | Saturday | Sardar Vallabhbhai Patel Jayanti | Gujarat |
| 1 Nov | Sunday | Weekly holiday | All India |
| 8 Nov | Sunday | Diwali | Most states |
Himachal Pradesh observes a bank holiday on 29 October for Karva Chauth, and Gujarat on 31 October for Sardar Vallabhbhai Patel’s birthday. The Gujarat date matters because 31 October is a 5th Saturday, which is normally a working day for banks everywhere else. businesstoday
The Diwali stretch needs care. Diwali falls on Sunday, 8 November. greytHR shows Govardhan Puja on Monday, 9 November in Gujarat, Rajasthan, Uttar Pradesh and Maharashtra. Deutsche Bank’s lists for Mumbai, Pune and Ahmedabad show the closure on Tuesday, 10 November. Check the RBI list for your centre before you plan around those two days.
How to Check a Tomorrow Bank Holiday in 30 Seconds
- Look at the day. Every Sunday is a bank holiday.
- Count the Saturday. The 2nd and 4th Saturdays are closed. The 1st, 3rd and 5th are working days. This October, the 10th and 24th were closed, and the 31st is a working day except in Gujarat.
- Check your state and city. Holidays are set by state notification and RBI centre, so a national list can mislead you.
- Open the official list. Use the RBI holiday calendar or your bank’s own page. Federal Bank notes that the 2nd and 4th Saturday rule comes from a Finance Ministry notification under Section 25 of the Negotiable Instruments Act, in force since 1 September 2015.
- Confirm your branch. Use the bank’s app or branch locator if you need counter service.
RBI’s list tags days in three ways: holidays under the Negotiable Instruments Act, holidays under the Act plus an RTGS holiday, and bank account closing days. For everyday customers the test is simple: if your centre is listed, the branch is shut. thehansindia
What Still Works and What Doesn’t
Digital banking such as UPI, mobile banking and internet banking continues on most holidays. That makes digital payments in India the safe route for anything urgent. businesstoday
| Service | On a bank holiday | Note |
|---|---|---|
| UPI | Works | Your bank may schedule short maintenance windows |
| IMPS | Works | HDFC Bank lists it as a 24×7 service |
| NEFT | Works | HDFC Bank lists it as available 24×7 |
| RTGS | Works | HDFC Bank lists it as available 24×7. Minimum transfer is Rs 2 lakh |
| Net banking and mobile app | Works | Keep a second payment method as backup |
| ATM withdrawal | Works | Cash can run low on long closures, so withdraw early |
| Branch cash deposit or withdrawal | Not available | Resumes on the next working day |
| Cheque deposit | Processed later | Drop-box cheques are handled on the next working day |
| Demand draft, locker, passbook update, forex counter | Not available | Plan these before the closure |
Before a large NEFT or RTGS transfer, double-check the beneficiary details. Our guide to IFSC codes and transfer methods walks through the format. A wrong code on a holiday can leave a payment stuck until a branch reopens.
Your savings still earn interest over the break, because banks calculate it on the daily closing balance. See how bank interest is calculated for the method.
EMIs, Credit Cards, SIPs and Cheques
A holiday rarely stops a payment. It usually moves it, and the move is where the cost appears.
- EMIs and auto-debits. Depending on your bank and mandate, a debit can run on the holiday or shift to the next working day. If the balance is short at that moment, you can face a failed debit and a bounce charge. Keep the EMI amount in the account from the last working day before the closure. The home loan EMI calculator helps you check the instalment you need to keep ready.
- Credit card dues. If your due date falls inside a closure, pay a day or two early through UPI or net banking. A missed due date brings late fees and can hurt your score. Here is how your credit score is calculated.
- SIPs. Mutual fund instalments follow fund house and exchange calendars. They do not always match the bank calendar.
- Cheques. A cheque deposited before a holiday is processed on the next working day. Watch for your bank’s alert, and see our cheque deposit message guide to read it correctly.
For customers in the three-day closure states, Tuesday 27 October is the first working day. Plan payments around that date.
What It Means for You
Salaried people and government employees. Salary and pension credits can arrive on a holiday through NEFT or IMPS. Cash needs are the weak spot, so withdraw before the closure.
Business owners and retailers. Vendor payments can go through RTGS, NEFT and UPI at any hour, but counter deposits cannot. Small traders who bank daily takings at the branch are hit hardest by a Saturday to Monday closure. If you carry working capital debt, compare your repayment dates against the closure and review business loan interest rates in India.
Traders. Bank and exchange calendars are separate. Valmiki Jayanti is a regional bank holiday, not an NSE trading holiday, so check the exchange list before assuming markets are shut. NSE’s calendar also includes settlement holidays, when trading may continue but clearing and settlement are paused, which affects fund transfers and securities credit. Keep our stock market holidays page open next to this one. outlookbusiness
Students and job seekers. Pay exam fees and application charges through UPI or net banking and save the receipt. Avoid plans that need a demand draft over the closure.
Senior citizens. Withdraw cash early and plan branch visits for Tuesday. UPI is simple to use if a family member sets it up once.
Bank Holiday vs Stock Market Holiday vs Office Holiday
| Type | Who decides | Example this month |
|---|---|---|
| Bank holiday | RBI centre-wise list and state notifications | Valmiki Jayanti, 26 Oct (select states) |
| Stock market holiday | NSE and BSE | Gandhi Jayanti, 2 October 2026 |
| Office or school holiday | State government or employer | Varies and may not match banks outlookbusiness |
A special case sits on the calendar too. A symbolic one-hour Muhurat trading session is scheduled for Sunday, 8 November 2026, for Diwali Laxmi Pujan. Banks are closed that day, but the exchange opens briefly. For the full trading calendar, see our stock market holidays guide. cleartax
Expert Tips and Common Mistakes
Tips
- Check your own city on the RBI list, not a national summary.
- Move payments to the last working day before the closure, not the day after it.
- Keep Rs 2,000 to Rs 5,000 in cash for emergencies over a long closure.
- Save UPI and net banking login details before the break, so a forgotten password does not lock you out.
- Set a phone reminder for any EMI or card due date that falls inside a closure.
Common mistakes
- Assuming every Saturday is a holiday. Only the 2nd and 4th are.
- Trusting a single holiday list. Our own sources disagree on a few dates, so verify.
- Leaving an EMI balance short because “the debit will run Monday.”
- Mixing up bank holidays with stock market holidays.
FAQs
Is tomorrow a bank holiday in India?
Yes. Tomorrow is Sunday, 25 October 2026, and banks are closed in every state on Sundays. Monday 26 October is an additional holiday in Haryana, Punjab, Himachal Pradesh, Chandigarh and Karnataka for Valmiki Jayanti. Customers elsewhere can visit branches on Monday. UPI, IMPS and net banking stay available throughout.
Are banks open on the 1st, 3rd and 5th Saturday?
Yes. Banks close only on the 2nd and 4th Saturdays, under a Finance Ministry notification under Section 25 of the Negotiable Instruments Act, in force since 1 September 2015. The 1st, 3rd and 5th Saturdays are working days unless a state holiday applies. For example, 31 October 2026 is a 5th Saturday, but Gujarat observes a holiday that day.
Will UPI and NEFT work on a bank holiday?
Yes. UPI, IMPS, NEFT and RTGS are available around the clock, and HDFC Bank lists NEFT, RTGS and IMPS as 24×7 services. Your own bank may schedule maintenance windows, so keep a second payment method handy. Counter services such as cash deposits, demand drafts and lockers remain closed.
Why does my state’s holiday list differ from the national list?
Holidays are declared state by state and RBI centre by centre, based on state notifications and local festivals. Valmiki Jayanti closes banks in some regions while Delhi or Maharashtra branches stay open. Always check the list for your own centre rather than a national summary.
What happens if my EMI date falls on a bank holiday?
Your lender may debit on the holiday or move it to the next working day, depending on the mandate and bank. Keep enough balance in the account from the last working day before the closure, and avoid last-minute payments. A failed debit can mean a bounce charge and a dent in your credit record.
Conclusion
The answer for tomorrow’s bank holiday 25 October 2026 is closed everywhere, with Monday adding a third day in a few states. Plan your cash, cheques and EMI balance before the closure, use UPI, NEFT and RTGS for urgent payments, and confirm your own centre on the RBI holiday list. BusinessMust keeps the status box at the top of this page current, so bookmark it for the next closure, including the Diwali cluster from 8 November.
About This Page
Prepared by the BusinessMust editorial team from bank-published holiday lists and news reports of the RBI holiday calendar. Dates were last checked on 24 October 2026. Spotted an error? Get in touch and we will correct it.
Disclaimer: Bank holidays vary by state and RBI centre and can change through official notifications. This article is for general information only and is not financial or legal advice. Please confirm with your bank branch or the RBI before you act.
