If you’re planning to visit your bank branch this week, it’s essential to check the latest bank holiday schedule from July 21 to July 28, 2025. While most banks across India remain closed on the second and fourth Saturdays and all Sundays, there are additional regional holidays you should be aware of—especially if you’re in Gangtok or northeastern states.
Let’s break down the complete bank holiday calendar for this week, including which states are affected and what services remain available during holidays.
Bank Holidays from July 21 to July 28, 2025:
Here’s the detailed schedule for this week:
- July 26, Saturday – Fourth Saturday:
Banks across India will be closed as per RBI norms. - July 27, Sunday – Weekly Off:
Banks nationwide will remain closed. - July 28, Monday – Drukpa Tshe-zi:
Banks in Gangtok (Sikkim) will be closed in observance of Drukpa Tshe-zi, a Buddhist festival that marks Lord Buddha’s first sermon on the fourth day of the sixth Tibetan lunar month.
How Many Bank Holidays in July 2025?
The month of July 2025 has a total of seven official bank holidays, including local religious festivals, cultural observances, and nationwide closures. As per standard banking norms, public and private sector banks — including SBI, HDFC, and ICICI — remain closed on all second and fourth Saturdays, along with every Sunday across India.
Previously Observed Holidays in July 2025:
- July 3 (Thursday) – Kharchi Puja in Agartala
- July 5 (Saturday) – Guru Hargobind’s Birthday in Jammu & Srinagar
- July 6 (Sunday) – Weekly Off
- July 12 (Saturday) – Second Saturday
- July 13 (Sunday) – Weekly Off
- July 14 (Monday) – Beh Deinkhlam in Shillong
- July 16 (Wednesday) – Harela in Dehradun
- July 17 (Thursday) – Death Anniversary of U Tirot Singh in Shillong
- July 19 (Saturday) – Ker Puja in Agartala
- July 20 (Sunday) – Weekly Off
Will Online and ATM Banking Work During Holidays?
Yes! Even during bank holidays:
- ATMs remain functional for cash withdrawals.
- Mobile banking and internet banking services remain available unless notified otherwise.
- UPI transactions, fund transfers, and balance inquiries can be done seamlessly.
However, transactions involving physical cheques or in-person services will not be processed until the next working day.
Why Holidays Vary by State?
Bank holidays differ across states due to:
- Local festivals and regional customs
- State-specific events and public observances
- Decisions by the RBI and respective state governments
To avoid any inconvenience, it’s recommended to check with your nearest bank branch for the specific holiday schedule applicable in your region.
Important Note:
All bank holidays are declared under the Negotiable Instruments Act, which regulates financial transactions like cheques, bills of exchange, and promissory notes. These services are unavailable during the holidays.
What Is Drukpa Tshe-zi?
Observed mainly in Sikkim, Drukpa Tshe-zi holds deep spiritual significance in the Buddhist tradition. This auspicious day commemorates Lord Buddha’s first sermon delivered after achieving enlightenment, marking the beginning of his teachings. This sermon, known as the Turning of the Wheel of Dharma, laid the foundation of Buddhism.
On this day, devotees in Gangtok visit monasteries, offer prayers, and participate in spiritual gatherings.
Summary: Plan Ahead and Avoid Delays
Here’s a quick glance at bank closures this week:
| Date | Day | Occasion | Affected Regions |
|---|---|---|---|
| July 26 | Saturday | Fourth Saturday (Weekly Off) | Nationwide |
| July 27 | Sunday | Weekly Off | Nationwide |
| July 28 | Monday | Drukpa Tshe-zi | Gangtok (Sikkim) |
With a long weekend possible in Sikkim, it’s advisable to finish any in-branch work before Friday, July 25. Meanwhile, make full use of digital banking tools during holidays.