Saturday bank holiday: Are banks open or closed on January 4?

Bank holidays in India are often a source of confusion, especially when they coincide with weekends. According to the Reserve Bank of India (RBI) guidelines, banks typically remain open on the first, third, and fifth Saturdays of each month, while they are closed on the second and fourth Saturdays as well as Sundays.

Will banks be closed on Saturday, January 4, 2025?

Since January 4, 2025, is the first Saturday of the month, banks will be open and functioning as usual. This is in line with the RBI's mandate, which specifies that banks will operate on the first Saturdays, providing regular services to customers.

However, it's always a good idea to double-check with your specific bank for any changes to this schedule or for any state-specific holidays that may affect operations.

State-Wise Bank Holidays in January 2025

In addition to the regular bank holidays, there are several state-wise holidays in January 2025 that may impact bank operations. These holidays include significant occasions such as:

• Sri Guru Gobind Singh's Birthday (January 6)
• Missionary Day/Imoinu Iratpa (January 11)
• Makar Sankranti and other regional festivals on January 14
• Thiruvalluvar Day (January 15)
• Uzhavar Thirunal (January 16)
• Birthday of Netaji Subhas Chandra Bose (January 23)

Since these holidays are state-dependent, banks in different states may observe different holidays throughout the month. It's recommended to check with your local bank branch for specific closures in your area.

Banking Services on Holidays

Even on holidays, digital banking services remain available. While bank branches may be closed on certain days, customers can still access banking services via mobile apps, online banking, UPI, and ATMs. Services such as starting a fixed deposit, making transactions, and checking account balances will remain accessible through these channels.