Bank Holidays October 2025: Complete RBI Calendar Shows Record 21 Closure Days

Last updated on Friday, 03/10/2025 at 09:25 PM IST

October 2025 emerges as the most holiday-intensive month for Indian banking operations, with the Reserve Bank of India calendar confirming 21 total bank holidays spanning major festivals including Durga Puja, Diwali, and Gandhi Jayanti. The comprehensive RBI holiday calendar affects millions of customers across different states with varying closure schedules based on regional festival observances.

Key Facts About Bank Holidays October 2025:

• Total 21 bank holidays including weekends and festivals
• Durga Puja celebrations cause multi-day closures in eastern states
• Gandhi Jayanti creates nationwide banking suspension on October 2
• Diwali festivities extend closures through October 20-23 period
• Digital banking services remain operational during all holiday periods
• State-wise variations affect regional banking schedules significantly

Complete Durga Puja Banking Schedule

The Durga Puja festival dominates early October bank holidays with extensive closures across multiple states. Banks remained closed from September 29 through October 2 in West Bengal, Tripura, and Assam for Maha Saptami through Vijayadashami celebrations. October 1 witnessed the most widespread closures affecting Bihar, Karnataka, Kerala, Odisha, Tamil Nadu, Sikkim, Assam, Arunachal Pradesh, Uttar Pradesh, Nagaland, West Bengal, Jharkhand, and Meghalaya for Maha Navami festivities.

Current Durga Puja bank closure continues in Sikkim (Gangtok) on October 3-4 for Dasain celebrations, while most other cities resume normal banking operations. The festive banking schedule demonstrates significant regional variations in RBI holiday calendar implementation across different states.

Lakshmi Puja extends the Durga Puja banking impact with scheduled closures in West Bengal and Tripura on October 6, creating additional challenges for customers requiring branch banking services during the extended festive season.

Gandhi Jayanti National Banking Impact

October 2 marked a complete nationwide bank closure for Gandhi Jayanti, coinciding with Dussehra celebrations across multiple regions. The Reserve Bank of India publishes comprehensive holiday notifications through their official holiday calendar, which serves as the authoritative source for all banking institutions across the country. This RBI holiday calendar date created the most comprehensive banking suspension, affecting all Indian states and union territories simultaneously.

Banking customers experienced complete branch service suspension on October 2, with only digital banking services and ATM operations remaining functional. The nationwide scope of Gandhi Jayanti closures required extensive customer planning for essential banking transactions during the holiday period.

Extended Diwali Festival Banking Schedule

The RBI holiday calendar designates multiple Diwali-related closures spanning October 20-23, creating the month’s second major banking disruption period. Dhanteras, Diwali, Govardhan Puja, and Bhai Dooj celebrations will affect different states with varying closure patterns based on regional observance traditions.

Diwali banking schedule includes closures in major metropolitan cities including Mumbai, Delhi, Kolkata, and Chennai on specific dates within the October 20-23 window. The festive season banking guidelines accommodate regional variations while maintaining essential digital banking services throughout the Diwali period.

State wise bank holidays during Diwali reflect diverse cultural practices across India, with northern and western states observing different closure dates compared to eastern and southern regions. This regional approach in the RBI holiday calendar ensures appropriate cultural sensitivity while maintaining banking system coordination.

Digital Banking Services During Festival Period

Online banking operations continue seamlessly during all bank holidays October 2025, providing customers with uninterrupted access to essential financial services. Digital banking services including mobile banking applications, internet banking platforms, and UPI transactions remain fully operational throughout Durga Puja, Gandhi Jayanti, and Diwali celebrations.

ATM networks maintain standard functionality during festive season banking closures, ensuring cash withdrawal and basic transaction capabilities for customers. The Reserve Bank of India emphasizes digital banking infrastructure reliability during extended holiday periods to minimize customer inconvenience.

Banking customers can access account statements, fund transfers, bill payments, and investment services through digital channels regardless of physical branch closures. This technological support system ensures business continuity during the most holiday-intensive month of the RBI calendar.

October 2025 Bank Holidays: Official RBI Calendar

Customer Planning Guidelines

Bank holidays October 2025 require extensive customer planning due to the unprecedented number of closure days spanning multiple festivals. Customers should complete essential transactions before extended holiday periods, particularly during Durga Puja and Diwali celebration windows when branch services remain suspended for consecutive days.

Digital banking adoption becomes crucial during festive season banking disruptions, with customers advised to activate online services and mobile applications before holiday periods begin. The RBI holiday calendar publication enables advance planning for business transactions, salary processing, and investment activities affected by extended closures.

Emergency banking services remain available through customer service helplines and digital platforms throughout all holiday periods. Banking customers can access account support, transaction assistance, and service guidance through alternative channels when physical branches observe RBI-mandated closures.

Frequently Asked Questions (FAQs) – Bank Holidays October 2025